TABLE 3.

Factor analysis, construct reliability, and convergent validity.

Constructs	Items	Factor loading (>0.6)	Cronbach’s alpha (>0.7)	Composite reliability (CR > 0.7)	Average variance extracted (AVE > 0.5)
Benefit Perception (BP)	BP1	0.676	0.785	0.787	0.556
	BP2	0.881
	BP3	0.659
Privacy Perception (PP)	PP1	0.799	0.855	0.883	0.654
	PP2	0.876
	PP3	0.812
	PP4	0.742
Risk Perception (RP)	RP1	0.833	0.804	0.845	0.645
	RP2	0.784
	RP3	0.792
Trust Perception (TP)	TP1	0.806	0.874	0.860	0.672
	TP2	0.834
	TP3	0.819
Willingness to use online learning (WTL)	WTL1	0.781	0.800	0.703	0.543
	WTL2	0.690