TABLE 2.

Reliability and validity analysis.

Constructs	Items	Loadings	T-values	VIF	α	CR	AVE
Cost Value	CV1	0.792	29.256	1.421	0.719	0.842	0.639
	CV2	0.798	29.107	1.422
	CV3	0.809	39.103	1.384
Effort Expectancy	EE1	0.864	30.628	2.555	0.874	0.914	0.726
	EE2	0.881	33.183	2.761
	EE3	0.86	23.888	2.358
	EE4	0.803	18.990	1.898
Facilitating conditions	FC1	0.829	42.566	2.111	0.877	0.915	0.730
	FC2	0.849	50.384	2.349
	FC3	0.866	49.161	2.607
	FC4	0.873	56.484	2.385
Performance Expectancy	PE1	0.876	57.358	2.673	0.909	0.936	0.786
	PE2	0.892	68.218	2.867
	PE3	0.888	66.473	2.778
	PE4	0.889	72.250	2.768
Social Influence	SI1	0.898	65.095	2.972	0.895	0.927	0.760
	SI2	0.893	78.882	2.874
	SI3	0.873	57.699	2.624
	SI4	0.822	35.577	2.185
Use Behavior	UB1	0.877	51.689	2.113	0.849	0.909	0.768
	UB2	0.871	48.568	2.036
	UB3	0.882	67.738	2.049