| Perceived usefulness (PU): Eigenvalues = 7.097; CR = 0.861; AVE = 0.519 |
| PU1. Purchase without carrying cash | 0.719 | 0.771 | 0.680 |
| PU2. Buy first and repay later | 0.844 | 0.784 | 0.714 |
| PU3. Pay the bill | 0.593 | 0.637 | 0.590 |
| PU4. Cash withdraw at ATM | | | |
| PU5. Installment purchase | 0.774 | 0.766 | 0.722 |
| PU6. Free of interest for up to 45 days | 0.656 | 0.675 | 0.608 |
| PU7. Revolving credit | 0.635 | 0.674 | 0.618 |
| Perceived ease of use (EOU): Eigenvalues = 2.839; CR = 0.870; AVE = 0.606 |
| EOU1. Simple registration | 0.699 | 0.684 | 0.650 |
| EOU2. Use credit card easily | 0.854 | 0.839 | 0.775 |
| EOU3. Learn to use easily | 0.927 | 0.913 | 0.810 |
| EOU4. Ease to use | 0.825 | 0.827 | 0.739 |
| EOU5. Use everywhere and every time | 0.549 | 0.581 | 0.555 |
| Social influence (SI): Eigenvalues = 2.331; CR = 0.853; AVE = 0.593 |
| SI1. Family | 0.736 | 0.724 | 0.659 |
| SI2. Friends | 0.762 | 0.791 | 0.708 |
| SI3. Colleagues | 0.794 | 0.791 | 0.717 |
| SI4. Multi-media | 0.759 | 0.772 | 0.691 |
| Perceived SER: Eigenvalues = 2.759; CR = 0.914; AVE = 0.724 |
| SER1. Credit card may be copied or counterfeited | 0.860 | 0.844 | 0.794 |
| SER2. Payment via website is unsecured | 0.865 | 0.856 | 0.811 |
| SER3. Payment on ATM/POS is unsecured | 0.826 | 0.847 | 0.799 |
| SER4. Payment systems may be attacked or hacked | 0.848 | 0.856 | 0.811 |
| Perceived PRR: Eigenvalues = 5.528; CR = 0.927; AVE = 0.763 |
| PRR1. Personal information is collected | 0.883 | 0.884 | 0.836 |
| PRR2. Personal information is shared in internet | 0.903 | 0.88 | 0.837 |
| PRR3. Personal information is used illegally | 0.852 | 0.842 | 0.806 |
| PRR4. Personal information is hijacked | 0.879 | 0.887 | 0.844 |
| Perceived PER: Eigenvalues = 1.803; CR = 0.813; AVE = 0.523 |
| PER1. Unusable due to technical errors | 0.645 | 0.727 | 0.621 |
| PER2. Insatiable my spending needs | 0.826 | 0.757 | 0.668 |
| PER3. Do not help me control spending | 0.717 | 0.701 | 0.624 |
| PER4. Not well-performed as advertised | 0.664 | 0.707 | 0.617 |
| Perceived FIR: Eigenvalues = 1.615; CR = 0.814; AVE = 0.593 |
| FIR1. It will cost me money to use credit card | | | |
| FIR2. Lose by my typing mistakes | 0.668 | 0.7 | 0.614 |
| FIR3. Lose by others’ unlawful activity | 0.820 | 0.799 | 0.702 |
| FIR4. There is no compensation for lost money | 0.786 | 0.806 | 0.679 |
| Perceived TIR: Eigenvalues = 1.556; CR = 0.827; AVE = 0.623 |
| TIR1. It takes time to learn how to use | 0.848 | 0.844 | 0.730 |
| TIR2. It takes time to perform transactions | 0.771 | 0.725 | 0.645 |
| TIR3. It takes time to solve problems | 0.737 | 0.795 | 0.677 |
| Perceived SOR: Eigenvalues = 1.951; CR = 0.875; AVE = 0.704 |
| SOR1. My relatives discourage me | | | |
| SOR2. I am judged negatively by others | 0.831 | 0.833 | 0.754 |
| SOR3. I look foolish to others | 0.881 | 0.879 | 0.790 |
| SOR4. No direct support from service providers | 0.794 | 0.803 | 0.741 |
| Perceived PSR: Eigenvalues = 1.243; CR = 0.749; AVE = 0.525 |
| PSR1. I feel anxious | 0.715 | 0.694 | 0.575 |
| PSR2. I feel frustrated | 0.737 | 0.881 | 0.666 |
| PSR3. I feel depressed | 0.626 | 0.564 | 0.493 |
| Intention to use credit card (IU): Eigenvalues = 3.355; CR = 0.934; AVE = 0,788 |
| IU1. I am desire to use | 0.867 | 0.877 | 0.829 |
| IU2. I plan to use | 0.930 | 0.927 | 0.884 |
| IU3. I use it as soon as possible | 0.922 | 0.913 | 0.879 |
| IU4. I will use it usually in the future | 0.825 | 0.831 | 0.797 |