Table 4 The reliability and convergent...

Table 4

The reliability and convergent validity

Vietnam and China
Constructs	FL		CA					CR				AVE
	Vietnam	China	Vietnam		China			Vietnam		China		Vietnam	China
Information Understandability (IU)
IU1	0.872	0.826	0.828		0.732			0.833		0.734		0.743	0.651
IU2	0.838	0.815
IU3	0.876	0.779
Information Diagnosticity (ID)
ID1	0.879	0.824	0.861		0.781			0.864		0.793		0.782	0.696
ID2	0.877	0.796
ID3	0.896	0.880
Information Quality (IQ)
IQ1	0.793	0.805	0.817		0.837			0.820		0.837		0.646	0.671
IQ2	0.813	0.815
IQ3	0.822	0.825
IQ4	0.785	0.831
AI Self-Efficacy (AISE)
AISE1	0.846	0.804	0.817		0.837			0.818		0.837		0.646	0.671
AISE2	0.820	0.835
AISE3	0.764	0.819
AISE4 (deleted)
AISE5 (deleted)
AISE6 (deleted)
AISE7 (deleted)
AISE8	0.783	0.819
Perceived Accountability (PA)
PA1	0.935	0.883	0.799		0.733			0.839		0.770		0.830	0.677
PA2	0.886	0.758
AI Literacy (AIL)
AIL1 (deleted)
AIL2	0.853	0.860	0.858		0.846			0.858		0.849		0.702	0.684
AIL3	0.855	0.846
AIL4 (deleted)
AIL5	0.796	0.821
AIL6 (deleted)
AIL7 (deleted)
AIL8	0.844	0.779
AIL9 (deleted)
AIL10 (deleted)
Social Influence (SI)
SI1	0.784	0.805	0.891		0.901			0.899		0.903		0.649	0.669
SI2	0.836	0.836
SI3	0.848	0.843
SI4	0.851	0.857
SI5	0.796	0.785
SI6	0.709	0.779
Perceived Privacy Control (PP)
PP1	0.832	0.773	0.842		0.795			0.841		0.796		0.679	0.620
PP2	0.859	0.814
PP3	0.841	0.810
PP4	0.761	0.750
Personal Innovativeness (PI)
PI1	0.823	0.832	0.859		0.843			0.862		0.844		0.703	0.680
PI2	0.819	0.809
PI3	0.849	0.815
PI4	0.861	0.841
Brand Reputation (BR)
BR1	0.868	0.862		0.820	0.816				0.821	0.817	0.736		0.730
BR2	0.850	0.852
BR3	0.856	0.850
Perceived Ease to Use (PEOU)
PEOU1	0.778	0.767		0.876		0.840			0.877	0.840	0.669			0.610
PEOU2	0.824	0.799
PEOU3	0.827	0.785
PEOU4	0.828	0.771
PEOU5	0.832	0.782
Assessment Perceived Utility (APU)
APU1 (deleted)
APU2	0.835	0.838		0.856			0.868		0.860	0.870	0.635			0.655
APU3	0.804	0.785
APU4 (deleted)
APU5	0.747	0.830
APU6 (deleted)
APU7 (deleted)
APU8 (deleted)
APU9 (deleted)
APU10	0.809	0.770
APU11(deleted)
APU12(deleted)
APU13	0.787	0.821
APU14(deleted)
Acceptance (A)
A1	0.873	0.825		0.839			0.785		0.843	0.788	0.756			0.699
A2	0.843	0.837
A3	0.892	0.846
Intention (I)
I1	0.866	0.846		0.846			0.814		0.847	0.814	0.764			0.729
I2	0.878	0.855
I3	0.879	0.860

Vietnam and China
Constructs	FL		CA					CR				AVE
	Vietnam	China	Vietnam		China			Vietnam		China		Vietnam	China
Information Understandability (IU)
IU1	0.872	0.826	0.828		0.732			0.833		0.734		0.743	0.651
IU2	0.838	0.815
IU3	0.876	0.779
Information Diagnosticity (ID)
ID1	0.879	0.824	0.861		0.781			0.864		0.793		0.782	0.696
ID2	0.877	0.796
ID3	0.896	0.880
Information Quality (IQ)
IQ1	0.793	0.805	0.817		0.837			0.820		0.837		0.646	0.671
IQ2	0.813	0.815
IQ3	0.822	0.825
IQ4	0.785	0.831
AI Self-Efficacy (AISE)
AISE1	0.846	0.804	0.817		0.837			0.818		0.837		0.646	0.671
AISE2	0.820	0.835
AISE3	0.764	0.819
AISE4 (deleted)
AISE5 (deleted)
AISE6 (deleted)
AISE7 (deleted)
AISE8	0.783	0.819
Perceived Accountability (PA)
PA1	0.935	0.883	0.799		0.733			0.839		0.770		0.830	0.677
PA2	0.886	0.758
AI Literacy (AIL)
AIL1 (deleted)
AIL2	0.853	0.860	0.858		0.846			0.858		0.849		0.702	0.684
AIL3	0.855	0.846
AIL4 (deleted)
AIL5	0.796	0.821
AIL6 (deleted)
AIL7 (deleted)
AIL8	0.844	0.779
AIL9 (deleted)
AIL10 (deleted)
Social Influence (SI)
SI1	0.784	0.805	0.891		0.901			0.899		0.903		0.649	0.669
SI2	0.836	0.836
SI3	0.848	0.843
SI4	0.851	0.857
SI5	0.796	0.785
SI6	0.709	0.779
Perceived Privacy Control (PP)
PP1	0.832	0.773	0.842		0.795			0.841		0.796		0.679	0.620
PP2	0.859	0.814
PP3	0.841	0.810
PP4	0.761	0.750
Personal Innovativeness (PI)
PI1	0.823	0.832	0.859		0.843			0.862		0.844		0.703	0.680
PI2	0.819	0.809
PI3	0.849	0.815
PI4	0.861	0.841
Brand Reputation (BR)
BR1	0.868	0.862		0.820	0.816				0.821	0.817	0.736		0.730
BR2	0.850	0.852
BR3	0.856	0.850
Perceived Ease to Use (PEOU)
PEOU1	0.778	0.767		0.876		0.840			0.877	0.840	0.669			0.610
PEOU2	0.824	0.799
PEOU3	0.827	0.785
PEOU4	0.828	0.771
PEOU5	0.832	0.782
Assessment Perceived Utility (APU)
APU1 (deleted)
APU2	0.835	0.838		0.856			0.868		0.860	0.870	0.635			0.655
APU3	0.804	0.785
APU4 (deleted)
APU5	0.747	0.830
APU6 (deleted)
APU7 (deleted)
APU8 (deleted)
APU9 (deleted)
APU10	0.809	0.770
APU11(deleted)
APU12(deleted)
APU13	0.787	0.821
APU14(deleted)
Acceptance (A)
A1	0.873	0.825		0.839			0.785		0.843	0.788	0.756			0.699
A2	0.843	0.837
A3	0.892	0.846
Intention (I)
I1	0.866	0.846		0.846			0.814		0.847	0.814	0.764			0.729
I2	0.878	0.855
I3	0.879	0.860

Note(s): Abbreviations: IU, Information Understandability; ID, Information Diagnosticity; IQ, Information Quality; AISE, AI Self-Efficacy; PA, Perceived Accountability; AIL, AI Literacy; SI, Social Influence; PP, Perceived Privacy Control; PI, Personal Innovativeness; BR, Brand Reputation; PEOU, Perceived ease to use; APU, Assessment Perceived Utility; A, Acceptance; I, Intention

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