Table II. Result of measurement model...

Table II.

Result of measurement model and descriptive statistics of items

Variable	Item	Mean	SD	Loading factor	Cronbach alpha	AVE	CR
Information quality (IQ)	IQ1	3.99	0.856	0.855	0.963	0.7669	0.9634
	IQ2	4.04	0.820	0.898
	IQ3	4.05	0.857	0.916
	IQ4	4.04	0.838	0.890
	IQ5	3.96	0.838	0.900
	IQ6	3.98	0.847	0.856
	IQ7	3.88	0.815	0.865
	IQ8	3.80	0.817	0.822
System quality (SQ)	SQ1	3.87	0.891	0.736	0.944	0.6794	0.9441
	SQ2	4.03	0.919	0.812
	SQ3	3.88	0.839	0.775
	SQ4	4.20	0.916	0.888
	SQ5	3.95	0.924	0.784
	SQ6	4.16	0.912	0.883
	SQ7	3.95	0.864	0.862
	SQ8	3.95	0.857	0.841
Service quality (EQ)	EQ1	3.83	0.813	0.859	0.903	0.6945	0.9008
	EQ2	3.76	0.803	0.839
	EQ3	3.70	0.818	0.792
	EQ4	3.85	0.807	0.842
Tangible (TS)	TS1	3.56	0.758	0.833	0.920	0.6989	0.9206
	TS2	3.50	0.753	0.857
	TS3	3.56	0.721	0.882
	TS4	3.44	0.737	0.809
	TS5	3.59	0.747	0.796
Assurance (AS)	AS1	3.59	0.745	0.843	0.900	0.6475	0.9015
	AS2	3.56	0.809	0.773
	AS3	3.64	0.763	0.840
	AS4	3.77	0.811	0.721
	AS5	3.57	0.775	0.839
Reliability (RS)	RS1	3.62	0.727	0.725	0.900 (0.907)**	0.4120 (0.6240)**	0.9304 (0.9085)**
	RS2	3.25	0.945	0.585*
	RS3	3.44	0.784	0.811
	RS4	3.47	0.796	0.834
	RS5	3.37	0.837	0.814
	RS6	3.50	0.766	0.727
	RS7	3.38	0.839	0.821
Responsive (OS)	OS1	3.89	0.817	0.876	0.900	0.6656	0.9076
	OS2	3.88	0.815	0.880
	OS3	3.61	0.786	0.796
	OS4	3.80	0.777	0.868
	OS5	3.69	0.902	0.632
Emphaty (ES)	ES1	3.66	0.824	0.692	0.893	0.5517	0.8980
	ES2	3.71	0.788	0.867
	ES3	3.67	0.746	0.871
	ES4	3.75	0.784	0.877
Trust (CT)	CT1	3.69	0.778	0.849	0.930	0.6985	0.9322
	CT2	3.75	0.780	0.874
	CT3	3.45	0.802	0.649
	CT4	3.79	0.775	0.891
	CT5	3.76	0.729	0.890
	CT6	3.75	0.786	0.836
Satisfaction (CS)	CS1	3.76	0.812	0.898	0.943	0.8503	0.9578
	CS2	3.80	0.803	0.934
	CS3	3.80	0.790	0.928
Loyalty (CL)	CL1	3.61	0.851	0.928	0.939	0.7566	0.9393
	CL2	3.63	0.846	0.935
	CL3	3.64	0.817	0.865
	CL4	3.63	0.910	0.819
	CL5	3.65	0.883	0.793

Variable	Item	Mean	SD	Loading factor	Cronbach alpha	AVE	CR
Information quality (IQ)	IQ1	3.99	0.856	0.855	0.963	0.7669	0.9634
	IQ2	4.04	0.820	0.898
	IQ3	4.05	0.857	0.916
	IQ4	4.04	0.838	0.890
	IQ5	3.96	0.838	0.900
	IQ6	3.98	0.847	0.856
	IQ7	3.88	0.815	0.865
	IQ8	3.80	0.817	0.822
System quality (SQ)	SQ1	3.87	0.891	0.736	0.944	0.6794	0.9441
	SQ2	4.03	0.919	0.812
	SQ3	3.88	0.839	0.775
	SQ4	4.20	0.916	0.888
	SQ5	3.95	0.924	0.784
	SQ6	4.16	0.912	0.883
	SQ7	3.95	0.864	0.862
	SQ8	3.95	0.857	0.841
Service quality (EQ)	EQ1	3.83	0.813	0.859	0.903	0.6945	0.9008
	EQ2	3.76	0.803	0.839
	EQ3	3.70	0.818	0.792
	EQ4	3.85	0.807	0.842
Tangible (TS)	TS1	3.56	0.758	0.833	0.920	0.6989	0.9206
	TS2	3.50	0.753	0.857
	TS3	3.56	0.721	0.882
	TS4	3.44	0.737	0.809
	TS5	3.59	0.747	0.796
Assurance (AS)	AS1	3.59	0.745	0.843	0.900	0.6475	0.9015
	AS2	3.56	0.809	0.773
	AS3	3.64	0.763	0.840
	AS4	3.77	0.811	0.721
	AS5	3.57	0.775	0.839
Reliability (RS)	RS1	3.62	0.727	0.725	0.900 (0.907)**	0.4120 (0.6240)**	0.9304 (0.9085)**
	RS2	3.25	0.945	0.585*
	RS3	3.44	0.784	0.811
	RS4	3.47	0.796	0.834
	RS5	3.37	0.837	0.814
	RS6	3.50	0.766	0.727
	RS7	3.38	0.839	0.821
Responsive (OS)	OS1	3.89	0.817	0.876	0.900	0.6656	0.9076
	OS2	3.88	0.815	0.880
	OS3	3.61	0.786	0.796
	OS4	3.80	0.777	0.868
	OS5	3.69	0.902	0.632
Emphaty (ES)	ES1	3.66	0.824	0.692	0.893	0.5517	0.8980
	ES2	3.71	0.788	0.867
	ES3	3.67	0.746	0.871
	ES4	3.75	0.784	0.877
Trust (CT)	CT1	3.69	0.778	0.849	0.930	0.6985	0.9322
	CT2	3.75	0.780	0.874
	CT3	3.45	0.802	0.649
	CT4	3.79	0.775	0.891
	CT5	3.76	0.729	0.890
	CT6	3.75	0.786	0.836
Satisfaction (CS)	CS1	3.76	0.812	0.898	0.943	0.8503	0.9578
	CS2	3.80	0.803	0.934
	CS3	3.80	0.790	0.928
Loyalty (CL)	CL1	3.61	0.851	0.928	0.939	0.7566	0.9393
	CL2	3.63	0.846	0.935
	CL3	3.64	0.817	0.865
	CL4	3.63	0.910	0.819
	CL5	3.65	0.883	0.793

Notes:

*Item dropped; ** after item dropped. AVE = average variance extracted; CR = composite reliability

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