Table 3 Summary of the measurement model...

Table 3

Summary of the measurement model statistics

Construct	Items	Factor loadings	AVE, CR, and α
Performance expectancy and facilitating conditions	Mobile payment is useful to save time	0.833	AVE = 0.76 CR = 0.77 α = 0.72
	Mobile payment would enable me to conduct tasks (financial transfer, shopping) more easily	0.854
	Mobile payment would increase my productivity	0.792
	Mobile payment would improve my work performance	0.800
	I have the resources necessary to use mobile payment	0.867
	I have the knowledge necessary to use mobile payment	0.816
	Mobile payment is compatible with other systems I use	0.704
Social influence	Celebrities can influence my behaviour in using mobile payment	0.748	AVE = 0.74 CR = 0.81 α = 0.70
	Family members can influence my behaviour in using mobile payment	0.832
	Friends/colleagues can influence my behaviour in using mobile payment	0.800
Perceived technology security	I feel completely secure operating with mobile payment	0.769	AVE = 0.62 CR = 0.78 α = 0.69
	Mobile payment is a secure means for sharing sensitive information	0.795
	My safety concerns are only with mobile payments	0.835
Hedonic motivation	Using mobile payment is fun	0.762	AVE = 0.58 CR = 0.81 α = 0.71
Hedonic motivation	Depending on cash for payment is stressful	0.728	AVE = 0.58 CR = 0.81 α = 0.71
Adoption of mobile payment	I have been using mobile payment methods for some time now	0.899	AVE = 0.72 CR = 0.88 α = 0.72
	I am likely to increase the use of mobile payment in my life	0.924
	I always recommend to others to use mobile payments	0.922

Construct	Items	Factor loadings	AVE, CR, and α
Performance expectancy and facilitating conditions	Mobile payment is useful to save time	0.833	AVE = 0.76CR = 0.77α = 0.72
	Mobile payment would enable me to conduct tasks (financial transfer, shopping) more easily	0.854
	Mobile payment would increase my productivity	0.792
	Mobile payment would improve my work performance	0.800
	I have the resources necessary to use mobile payment	0.867
	I have the knowledge necessary to use mobile payment	0.816
	Mobile payment is compatible with other systems I use	0.704
Social influence	Celebrities can influence my behaviour in using mobile payment	0.748	AVE = 0.74 CR = 0.81α = 0.70
	Family members can influence my behaviour in using mobile payment	0.832
	Friends/colleagues can influence my behaviour in using mobile payment	0.800
Perceived technology security	I feel completely secure operating with mobile payment	0.769	AVE = 0.62CR = 0.78α = 0.69
	Mobile payment is a secure means for sharing sensitive information	0.795
	My safety concerns are only with mobile payments	0.835
Hedonic motivation	Using mobile payment is fun	0.762	AVE = 0.58 CR = 0.81α = 0.71
Hedonic motivation	Depending on cash for payment is stressful	0.728	AVE = 0.58 CR = 0.81α = 0.71
Adoption of mobile payment	I have been using mobile payment methods for some time now	0.899	AVE = 0.72 CR = 0.88α = 0.72
	I am likely to increase the use of mobile payment in my life	0.924
	I always recommend to others to use mobile payments	0.922

Note(s): Fit indices χ² (485) = 465.37, (p < 0.01), CFI = 0.97, GFI = 0.91, NFI = 0.92, TLI = 0.98, RMSEA = 0.032, SRMR = 0.03; FL, factor loading; AVE, average variance extracted; CR, composite reliability; α, Cronbach's alpha; χ², Chi-square; CFI, comparative fit index; GFI, goodness-of-fit index; NFI, normed fit index; TLI, Tucker–Lewis index; RMSEA, root mean square error of approximation; SRMR, standardized root mean residual

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