Table 1.

Loadings, reliability, and validity of the measurement model.

Items			Loadings (>0.5)	AVEa (>0.5)			CRb (>0.7)		Dillon-Goldstein ρ (>0.7)
Benevolence					0.684			0.866		0.787
	BEN1	0.780
	BEN2	0.905
	BEN3	0.791
Competence					0.784			0.916		0.864
	COM1	0.887
	COM2	0.904
	COM3	0.865
Reciprocity					0.773			0.872		0.719
	REC1	0.898
	REC2	0.860
Risk perception					0.504			0.835		0.810
	RP1	0.649
	RP2	0.727
	RP3	0.711
	RP4	0.741
	RP5	0.717
Trust					0.622			0.830		0.717
	GT1	0.822
	GT2	0.692
	GT3	0.843

^aAVE: average variance extracted.

^bCR: composite reliability.