Table 3 Item reliability (Cronbach's...

Table 3

Item reliability (Cronbach's alpha)

Construct	Item	Construct reliability (if item deleted)	Construct reliability
Security factor	SF1	0.821	0.891
	SF2	0.887
	SF3	0.812
Infrastructure factor	IF1	0.772	0.789
	IF2	0.763
	IF3	0.767
Technological knowledge factor	TKF1	0.801	0.812
	TKF2	0.803
	TKF3	0.845
	TKF4	0.789
Service factor	SF1	0.812	0.822
	SF2	0.798
	SF3	0.815
	SF4	0.840
Price factor	PRF1	0.830	0.834
Price factor	PRF2	0.810	0.834
Time-saving factor	TSF1	0.870	0.881
Time-saving factor	TSF2	0.823	0.881
Payment factor	PF1	0.865	0.876
	PF2	0.848
	PF3	0.845
Administrative factor	AF1	0.900	0.901
	AF2	0.892
	AF3	0.879
Psychological factor	PSF1	0.880	0.896
	PSF2	0.848
	PSF3	0.869

Construct	Item	Construct reliability (if item deleted)	Construct reliability
Security factor	SF1	0.821	0.891
	SF2	0.887
	SF3	0.812
Infrastructure factor	IF1	0.772	0.789
	IF2	0.763
	IF3	0.767
Technological knowledge factor	TKF1	0.801	0.812
	TKF2	0.803
	TKF3	0.845
	TKF4	0.789
Service factor	SF1	0.812	0.822
	SF2	0.798
	SF3	0.815
	SF4	0.840
Price factor	PRF1	0.830	0.834
Price factor	PRF2	0.810	0.834
Time-saving factor	TSF1	0.870	0.881
Time-saving factor	TSF2	0.823	0.881
Payment factor	PF1	0.865	0.876
	PF2	0.848
	PF3	0.845
Administrative factor	AF1	0.900	0.901
	AF2	0.892
	AF3	0.879
Psychological factor	PSF1	0.880	0.896
	PSF2	0.848
	PSF3	0.869

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