Table 2.

Results of reliability and validity analysis.

Factors	Items	Standardized Factor Loadings (λ)	T-Value	Residual Variance (1–λ2)	Cronbach’s α	Composite Reliability (CR)	Average Variance Extracted (AVE)
Trust	TRU01	0.801	10.789	0.358	0.867	0.872	0.695
	TRU02	0.904	12.932	0.183
	TRU03	0.792	10.611	0.373
Effectiveness	EFF01	0.706	8.803	0.502	0.805	0.817	0.599
	EFF02	0.800	10.422	0.360
	EFF03	0.812	10.645	0.341
Discomfort	DIS01	0.850	11.827	0.278	0.897	0.901	0.753
	DIS02	0.949	14.018	0.099
	DIS03	0.798	10.807	0.363
Perceived Transparency	PER01	0.799	10.400	0.362	0.851	0.853	0.660
	PER02	0.861	11.519	0.259
	PER03	0.774	9.979	0.401

Note: N = 235.