Table 3 Confirmatory factor analysis...

Table 3

Confirmatory factor analysis

Factor	Indicator	Load	Cronbach's α	CR	AVE
Identity theft	IT1	0.94**	0.85	0.81	0.59
	IT2	0.69**
	IT3	0.91**
Legitimacy of companies	LC1	0.79**	0.74	0.79	0.57
	LC2	0.82**
	LC3	0.62**
Reporting fraud	RF1	0.77**	0.82	0.76	0.56
	RF2	0.91**
	RF3	0.71**
Checking red flags	CRF1	0.86**	0.90	0.83	0.61
	CRF2	0.89**
	CRF3	0.78**
Protection tools	PT1	0.88**	0.91	0.87	0.65
	PT2	0.89**
	PT3	0.87**
Reading terms and conditions	RTC1	0.89**	0.86	0.77	0.63
	RTC2	0.80**
	RTC3	0.73**
Online buying intensity	OnlineB1	0.97**	0.85	0.84	0.69
	OnlineB2	0.96**
	OnlineB3	0.73**
Trust in sellers online	Trust1	0.97**	0.92	0.81	0.64
	Trust2	0.84**
	Trust3	0.83**
Perceived financial risk when buying online	Risk1	0.88**	0.93	0.85	0.67
	Risk2	0.95**
	Risk3	0.94**
	Risk4	0.86**
Model Fit Indices (Below)
CHI-Square = 2289.967; df = 563; TLI = 0.901; CFI = 0.913; IFI = 0.912; RMSEA = 0.078

Factor	Indicator	Load	Cronbach's α	CR	AVE
Identity theft	IT1	0.94**	0.85	0.81	0.59
	IT2	0.69**
	IT3	0.91**
Legitimacy of companies	LC1	0.79**	0.74	0.79	0.57
	LC2	0.82**
	LC3	0.62**
Reporting fraud	RF1	0.77**	0.82	0.76	0.56
	RF2	0.91**
	RF3	0.71**
Checking red flags	CRF1	0.86**	0.90	0.83	0.61
	CRF2	0.89**
	CRF3	0.78**
Protection tools	PT1	0.88**	0.91	0.87	0.65
	PT2	0.89**
	PT3	0.87**
Reading terms and conditions	RTC1	0.89**	0.86	0.77	0.63
	RTC2	0.80**
	RTC3	0.73**
Online buying intensity	OnlineB1	0.97**	0.85	0.84	0.69
	OnlineB2	0.96**
	OnlineB3	0.73**
Trust in sellers online	Trust1	0.97**	0.92	0.81	0.64
	Trust2	0.84**
	Trust3	0.83**
Perceived financial risk when buying online	Risk1	0.88**	0.93	0.85	0.67
	Risk2	0.95**
	Risk3	0.94**
	Risk4	0.86**
Model Fit Indices (Below)
CHI-Square = 2289.967; df = 563; TLI = 0.901; CFI = 0.913; IFI = 0.912; RMSEA = 0.078

Note(s): *p < 0.05; **p < 0.01

Source(s): Author's own work

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