Table 2.

The measurement model

Constructs	Items	Loadings	Cronbach’s alpha (α)	Rho_	CR	AVE	VIF
Use Intention	CI1	0.955	0.950	0.951	0.968	0.910	5.499
	CI2	0.961					5.969
	CI3	0.945					4.305
Performance Expectancy	PE1	0.718	0.896	0.905	0.920	0.658	1.991
	PE2	0.833					2.687
	PE3	0.855					2.591
	PE4	0.861					2.711
	PE5	0.770					2.113
	PE6	0.821					2.347
Effort Expectancy	EE1	0.907	0.911	0.925	0.937	0.788	3.429
	EE2	0.871					2.244
	EE3	0.904					3.443
	EE4	0.867					2.788
Facilitating Conditions	FC1	0.825	0.842	0.853	0.895	0.683	2.061
	FC2	0.875					2.758
	FC3	0.885					2.568
	FC4	0.707					1.498
Social Influence	SI1	0.885	0.921	0.922	0.944	0.810	3.220
	SI2	0.909					3.336
	SI3	0.940					4.917
	SI4	0.863					2.561
Habit	HA1	0.927	0.922	0.924	0.950	0.865	3.192
	HA2	0.921					3.333
	HA3	0.941					3.968
Hedonic Motivation	HM1	0.945	0.929	0.937	0.955	0.876	4.538
	HM2	0.958					5.410
	HM3	0.903					2.915
Price Value	PV1	0.878	0.902	0.909	0.939	0.837	2.328
	PV2	0.936					3.655
	PV3	0.929					3.361
Trust	TR1	0.899	0.935	0.938	0.953	0.836	3.188
	TR2	0.888					3.071
	TR3	0.945					6.375
	TR4	0.924					5.256
Service Quality	SQ1	0.823	0.939	0.949	0.952	0.768	2.544
	SQ2	0.879					3.500
	SQ3	0.916					4.538
	SQ4	0.866					3.020
	SQ5	0.899					3.752
	SQ6	0.872					3.148
Government Policy	GP1	0.925	0.940	0.941	0.957	0.848	4.500
	GP2	0.926					4.705
	GP3	0.925					4.165
	GP4	0.908					3.515

CR Composite Reliability, AVE Average Variance Extracted