Table 4

Variance shared between each pair of constructs

IT*LCRFCRFPTRTCOnlineBTrustRisk
IT0.59**        
LC0.490.57       
RF0.380.440.56      
CRF0.080.090.090.61     
PT0.090.460.070.350.65    
RTC0.040.030.050.550.490.66   
OnlineB0.200.110.500.110.070.030.69  
Trust0.090.020.070.180.050.050.430.64 
Risk0.060.150.150.120.160.300.380.230.67
Meaning of Acronyms*
ITLCRF
Identity theftLegitimacy of companiesReporting fraud
CRFPTRTC
Checking red flagsProtection ToolsReading terms and conditions

Note(s): **AVE

Source(s): Author's own work

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