Table 3.

Convergent validity table.

Variables	Items	Significance estimation			Reliability of questions		Component reliability	Convergent validity
		S.E.	z-value	P	Std.	SMC	CR	AVE
Perceived benefits	PB1				0.616	0.379	0.727	0.472
	PB2	0.131	8.831	***	0.739	0.546
	PB3	0.126	8.658	***	0.7	0.49
Perceived risk	PR1				0.661	0.437	0.636	0.369
	PR2	0.151	6.075	***	0.599	0.359
	PR3	0.147	6.012	***	0.558	0.311
Perceived value	PV1				0.709	0.503	0.78	0.543
	PV2	0.09	10.507	***	0.69	0.476
	PV3	0.095	11.716	***	0.807	0.651
Behavior intention	BI1				0.635	0.403	0.734	0.481
	BI2	0.126	9.876	***	0.756	0.572
	BI3	0.133	9.295	***	0.684	0.468
Using behavior	BR1				0.874	0.764	0.895	0.81
	BR2	0.223	16.548	***	0.925	0.856

^***p < 0.01.