Construct		Indicators	Convergent Validity		Internal Consistency		Discriminant Validity
Name	Type		Outer Loadings	AVE	Cronbach’s Alpha	Composite Reliability	HTMT *
			>0.70	>0.50	>0.70	>0.70
TRI	HOC	DIS	-	0.529	0.953	0.869	Yes
		INN	-
		INS	-
		OPT	-
Discomfort	LOC	DIS2	0.788	0.701	0.787	0.875	Yes
		DIS3	0.879
		DIS4	0.843
Innovativeness	LOC	INN1	0.802	0.652	0.822	0.882	Yes
		INN2	0.747
		INN3	0.852
		INN4	0.824
Insecurity	LOC	INS2	0.861	0.700	0.786	0.875	Yes
		INS3	0.849
		INS4	0.798
Optimism	LOC	OPT1	0.921	0.843	0.938	0.955	Yes
		OPT2	0.919
		OPT3	0.907
		OPT4	0.925
IS Quality	HOC	IQ	-	0.625	0.984	0.974	Yes
		SQ	-
		SVQ	-
Information Quality	LOC	IQ1	0.871	0.768	0.962	0.968	Yes
		IQ2	0.889
		IQ3	0.896
		IQ4	0.911
		IQ5	0.870
		IQ6	0.893
		IQ7	0.797
		IQ8	0.856
		IQ9	0.901
		IQ10	0.877
System Quality	LOC	SQ1	0.896	0.795	0.957	0.964	Yes
		SQ2	0.889
		SQ3	0.927
		SQ5	0.883
		SQ6	0.869
		SQ7	0.868
		SQ8	0.907
Service Quality	LOC	SVQ1	0.830	0.808	0.940	0.954	Yes
		SVQ2	0.938
		SVQ3	0.928
		SVQ4	0.908
		SVQ5	0.885
		SVQ6	0.839
Perceived Usefulness	LOC	PU1	0.936	0.896	0.971	0.977	Yes
		PU2	0.955
		PU3	0.959
		PU4	0.941
		PU5	0.941
Subjective Norm	LOC	SN1	0.957	0.919	0.911	0.958	Yes
		SN2	0.960
User Satisfaction	LOC	US1	0.945	0.902	0.964	0.974	Yes
		US2	0.957
		US3	0.949
		US4	0.948
Use	LOC	USE1	0.938	0.853	0.971	0.976	Yes
		USE2	0.939
		USE3	0.941
		USE4	0.920
		USE5	0.937
		USE7	0.912
Note: * HTMT confidence interval does not include 1.