TABLE 2.

Loadings, reliability, and convergent validity.

Items	Loadings	Cronbach’s alpha	Composite reliability	AVE
PBI1	0.545	0.897	0.916	0.552
PBI2	0.767
PBI3	0.797
PBI4	0.810
PBI5	0.672
PBI6	0.813
PBI7	0.825
PBI8	0.695
PBI9	0.720
PEOU1	0.809	0.794	0.879	0.707
PEOU2	0.866
PEOU3	0.846
PUH1	0.900	0.862	0.916	0.784
PUH2	0.873
PUH3	0.883
VEF1	0.842	0.757	0.859	0.671
VEF2	0.841
VEF3	0.773
SAF1	0.765	0.841	0.894	0.678
SAF2	0.807
SAF3	0.878
SAF4	0.841
PI1	0.905	0.764	0.894	0.809
PI2	0.894
PITT1	0.820	0.724	0.844	0.646
PITT2	0.713
PITT3	0.869
CT1	0.931	0.650	0.842	0.728
CT2	0.767