Table 1 Assessment of the measurement...

Table 1

Assessment of the measurement model

Construct	Item	Loading	Excess kurtosis	Skewness	α	rho_A	CR	AVE
Economic Benefit	EB1	0.928	−0.480	−0.698	0.929	0.931	0.955	0.876
	EB2	0.941	−0.256	−0.758
	EB3	0.940	−0.143	−0.849
Value of Openness to Change	VC1	0.902	−0.039	−0.939	0.917	0.923	0.948	0.858
	VC2	0.938	0.450	−1.108
	VC3	0.938	0.585	−1.160
Innovativeness	IN1	0.934	−0.038	−0.978	0.903	0.917	0.939	0.837
	IN2	0.890	−0.641	−0.582
	IN3	0.920	0.299	−1.061
Regulation	RG1	0.905	−0.897	0.041	0.928	0.940	0.948	0.821
	RG2	0.897	−0.853	0.152
	RG3	0.930	−0.906	0.045
	RG4	0.891	−0.747	−0.020
Government Support	GS1	0.912	−0.919	−0.049	0.933	0.941	0.952	0.832
	GS2	0.906	−0.782	0.032
	GS3	0.931	−0.924	−0.016
	GS4	0.900	−0.919	−0.047
Attitude toward Fintech	AT1	0.931	1.764	−1.509	0.934	0.934	0.958	0.883
	AT2	0.946	0.509	−1.088
	AT3	0.942	0.845	−1.222
Fintech Intention	FI1	0.962	0.230	−0.957	0.965	0.965	0.977	0.935
	FI2	0.967	0.351	−0.956
	FI3	0.972	0.425	−1.015

Construct	Item	Loading	Excess kurtosis	Skewness	α	rho_A	CR	AVE
Economic Benefit	EB1	0.928	−0.480	−0.698	0.929	0.931	0.955	0.876
	EB2	0.941	−0.256	−0.758
	EB3	0.940	−0.143	−0.849
Value of Openness to Change	VC1	0.902	−0.039	−0.939	0.917	0.923	0.948	0.858
	VC2	0.938	0.450	−1.108
	VC3	0.938	0.585	−1.160
Innovativeness	IN1	0.934	−0.038	−0.978	0.903	0.917	0.939	0.837
	IN2	0.890	−0.641	−0.582
	IN3	0.920	0.299	−1.061
Regulation	RG1	0.905	−0.897	0.041	0.928	0.940	0.948	0.821
	RG2	0.897	−0.853	0.152
	RG3	0.930	−0.906	0.045
	RG4	0.891	−0.747	−0.020
Government Support	GS1	0.912	−0.919	−0.049	0.933	0.941	0.952	0.832
	GS2	0.906	−0.782	0.032
	GS3	0.931	−0.924	−0.016
	GS4	0.900	−0.919	−0.047
Attitude toward Fintech	AT1	0.931	1.764	−1.509	0.934	0.934	0.958	0.883
	AT2	0.946	0.509	−1.088
	AT3	0.942	0.845	−1.222
Fintech Intention	FI1	0.962	0.230	−0.957	0.965	0.965	0.977	0.935
	FI2	0.967	0.351	−0.956
	FI3	0.972	0.425	−1.015

Note(s): α = Cronbach's alpha, CR = composite reliability, AVE = average variance extracted. All the values of AVE, CR, Cronbach's alpha and rho_A are significant at p < 0.001 level

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