Table 3.
Variable factor loadings, composite reliability, and average variance extracted
| Indicator(s) | Factor loading | CR | AVE |
|---|---|---|---|
| Perceived Interactivity (PI) (Adapted from Yoon 2016) | 0.831 | 0.555 | |
| P11—Access and response speed of e-wallet is fast | 0.596 | ||
| PI2—I think e-wallet’s features is useful to me | 0.813 | ||
| PI3—It is convenient to use e-wallet at any time | 0.821 | ||
| PI4—I can use e-wallet in many places | 0.727 | ||
| Perceived Risk (PR) (Adapted from Chopdar and Sivakumar, 2018) | 0.964 | 0.816 | |
| PR1—I am concerned over the security of personal information exchange on e-wallet | 0.894 | ||
| PR2—I am concerned that my personal information may be shared with business without my consent as a result of using on e-wallet for purchases or bill payments | 0.901 | ||
| PR3—I am concerned that the information I disclosed to this mobile vendor may be misused | 0.903 | ||
| PR4—I am worried about the security of financial transactions carried out on e-wallet | 0.914 | ||
| PR5—I am concerned that using e-wallet would lead to potential fraud of my bank account | 0.925 | ||
| PR6—I am concerned that using e-wallet would subject my bank account to financial risks | 0.881 | ||
| Visual appeal (VA) (Adapted from Zheng et al. 2019) | 0.947 | 0.857 | |
| VA1—The e-wallet that I am using is visually pleasing | 0.925 | ||
| VA2—The e-wallet that I am using displays visually pleasing design | 0.935 | ||
| VA3—The e-wallet that I am using is visually appealing | 0.918 | ||
| Subjective norms (SN) (Adapted from Liu et al. 2019) | 0.861 | 0.509 | |
|
Interpersonal Influence (II) II1—My family advocate me to use e-wallet II2—My friends advocate me to use e-wallet II3—My classmates advocate me to use e-wallet. (dropped) II4—My colleagues advocate me to use e-wallet Media Influence (MI) MI1—Many celebrities advocate the use of e-wallet MI2—Many media stars advocate the use of e-wallet MI3—Mass media reports (such as television, newspapers, and the internet) advocate the use of e-wallet |
0.710 0.682 0.731 0.766 0.728 0.659 |
||
| Perceived enjoyment (PE) (Adapted from Natarajan et al. 2018) | 0.875 | 0.701 | |
| PE1—I find using e-wallet to be enjoyable | 0.835 | ||
| PE2—The actual process of using e-wallet is pleasant | 0.879 | ||
| PE3—I have fun while using e-wallet | 0.795 | ||
| Satisfaction (SA) (Adapted from Natarajan et al. 2018) | 0.894 | 0.680 | |
| SA1—I am satisfied with my decision to use e-wallet | 0.869 | ||
| SA2—My choice to use e-wallet was a wise one | 0.794 | ||
| SA3—I am happy with my earlier decision to use e-wallet | 0.848 | ||
| SA4—My experience with using e-wallet is very satisfactory | 0.783 | ||
| Impulse buying (IB) (Adapted from Chen and Yao 2018) | 0.888 | 0.617 | |
| When I use an e-wallet, … | |||
| IB1—I buy things that I had not intended to purchase | 0.631 | ||
| IB2—I can’t resist buying merchandise if I really like it | 0.808 | ||
| IB3—If I see a discount price, I tend to buy on impulse | 0.891 | ||
| IB4—I buy things according to how I feel at the moment | 0.715 | ||
| IB5—I spent more money to buy the merchandise than I expected | 0.854 |
The [bold] values are: <strong>CR</strong> = Composite Reliability; <strong>AVE</strong> = Average Value Extracted