Table 3.

Convergent validity of the constructs.

Construct	Item	Factor loadings	Composite reliability (CR)	Average variance extracted (AVE)	Cronbach’s alpha
PE			0.932	0.774	0.903
	PE1	0.899
	PE2	0.900
	PE3	0.873
	PE4	0.847
EE			0.912	0.722	0.871
	EE1	0.862
	EE2	0.892
	EE3	0.839
	EE4	0.803
FC			0.921	0.745	0.884
	FC1	0.757
	FC2	0.905
	FC3	0.907
	FC4	0.874
HM			0.919	0.790	0.868
	HM1	0.862
	HM2	0.919
	HM3	0.885
HT			0.909	0.770	0.850
	HT1	0.828
	HT2	0.917
	HT3	0.886
PV			0.925	0.804	0.877
	PV1	0.842
	PV2	0.925
	PV3	0.920
TR			0.917	0.688	0.886
	TR2	0.839
	TR3	0.815
	TR4	0.814
	TR5	0.890
	TR6	0.786
SI			0.844	0.576	0.755
	SI1	0.729
	SI2	0.782
	SI3	0.809
	SI4	0.712
ITK			0.885	0.720	0.806
	ITK1	0.824
	ITK2	0.889
	ITK3	0.831
PI			0.928	0.764	0.897
	PI1	0.836
	PI2	0.861
	PI3	0.913
	PI4	0.885
BI			0.896	0.633	0.855
	BI1	0.804
	BI2	0.768
	BI3	0.831
	BI4	0.815
	BI5	0.759