Table 4.
Reliability and convergent validity of the constructs.
| Constructs | Items | Item Loadings | t-Values | AVEs | Composite Reliability | Cronbach’s Alpha |
|---|---|---|---|---|---|---|
| Attitude (ATT) | ATT1 | 0.892 | 65.155 | 0.795 | 0.921 | 0.871 |
| ATT2 | 0.896 | 69.758 | ||||
| ATT3 | 0.887 | 62.023 | ||||
| Behavioral intention (BI) | BI1 | 0.919 | 85.643 | 0.840 | 0.940 | 0.905 |
| BI2 | 0.902 | 67.434 | ||||
| BI3 | 0.929 | 94.892 | ||||
| Perceived credibility (PCB) | PCB1 | 0.817 | 46.469 | 0.735 | 0.917 | 0.879 |
| PCB2 | 0.871 | 55.420 | ||||
| PCB3 | 0.889 | 66.637 | ||||
| PCB4 | 0.849 | 47.769 | ||||
| Perceived convenience (PCV) | PCV1 | 0.908 | 87.463 | 0.767 | 0.908 | 0.848 |
| PCV2 | 0.863 | 52.135 | ||||
| PCV3 | 0.856 | 47.187 | ||||
| Perceived ease of use (PEOU) | PEOU1 | 0.887 | 61.247 | 0.749 | 0.923 | 0.888 |
| PEOU2 | 0.845 | 49.959 | ||||
| PEOU3 | 0.867 | 54.512 | ||||
| PEOU4 | 0.864 | 47.859 | ||||
| Perceived privacy risks (PPR) | PPR1 | 0.949 | 36.093 | 0.925 | 0.961 | 0.920 |
| PPR2 | 0.974 | 51.399 | ||||
| Perceived behavioral control (PBC) | PBC1 | 0.914 | 86.912 | 0.747 | 0.855 | 0.671 |
| PBC2 | 0.812 | 20.231 | ||||
| Perceived usefulness (PU) | PU1 | 0.874 | 57.958 | 0.757 | 0.926 | 0.893 |
| PU2 | 0.852 | 43.988 | ||||
| PU3 | 0.866 | 56.348 | ||||
| PU4 | 0.889 | 66.871 | ||||
| Social influence (SI) | SI1 | 0.929 | 74.034 | 0.853 | 0.920 | 0.827 |
| SI2 | 0.918 | 67.289 | ||||
| Perceived effective use (PEU) | PEU | 1.000 | - | 1.000 | 1.000 |