Research constructs with factor loadings and reliability
| Constructs | Loads | Cronbach’s α | CR |
|---|---|---|---|
| Performance expectancy (PE) | – | 0.895 | 0.927 |
| Using M-banking would improve my performance | 0.887 | – | – |
| Using M-banking would save my time | 0.888 | – | – |
| I would use M-banking anyplace | 0.833 | – | – |
| I would find M-banking useful | 0.878 | – | – |
| Effort expectancy (EE) | 0.875 | 0.915 | |
| Learning to use M-banking is easy for me | 0.837 | – | – |
| Becoming skillful at using M-banking is easy for me | 0.880 | – | – |
| Interaction with M-banking is easy for me | 0.809 | – | – |
| I would find M-banking is easy to use | 0.885 | – | – |
| Social influence (SI) | 0.891 | 0.923 | |
| People who are important to me think that I should use M-banking | 0.867 | – | – |
| People who are familiar with me think that I should use M-banking | 0.906 | – | – |
| People who influence my behavior think that I should use M-banking | 0.756 | – | – |
| Most people surrounding with me use M-banking | 0.925 | – | – |
| Facilitating condition (FC) | 0.902 | 0.932 | |
| My living environment supports me to use M-banking | 0.848 | – | – |
| My working environment supports me to use M-banking | 0.916 | – | – |
| Using M-banking is compatible with my life | 0.843 | – | – |
| Help is available when I get problem in using M-banking | 0.908 | – | – |
| Habit (HT) | – | 0.832 | 0.899 |
| The use of M-banking has become a habit for me | 0.838 | – | – |
| I am addicted to using M-banking | 0.902 | – | – |
| I must use M-banking | 0.854 | – | – |
| Hedonic motivation (HM) | – | 0.803 | 0.885 |
| Using M-banking is fun | 0.875 | – | – |
| Using M-banking is enjoyable | 0.871 | – | – |
| Using M-banking is very entertaining | 0.797 | – | – |
| Perceived value (PV) | – | 0.862 | 0.915 |
| Compared to the fee I need to pay, the use of M-banking offers value for money | 0.924 | – | – |
| Compared to the effort I need to put in, the use of M-banking is beneficial to me | 0.900 | – | – |
| Compared to the time I need to spend, the use of M-banking is worthwhile to me | 0.828 | – | – |
| Trialability (TR) | – | 0.744 | 0.851 |
| Before deciding to use the M-banking, I was able to properly try it out | 0.886 | – | – |
| I was permitted to use the M-banking on a trial basis long enough to see what it could do | 0.808 | – | – |
| I’ve had a great deal of opportunity to try various M-banking capabilities | 0.731 | – | – |
| M-bank behavioral intention (MBI) | – | 0.820 | 0.893 |
| I intend to continue using M-banking in the future | 0.862 | – | – |
| I will always try to use M-banking in my daily life | 0.865 | – | – |
| I plan to continue to use M-banking frequently | 0.846 | – | – |
| Word of mouth (WOM) | – | 0.826 | 0.885 |
| I will be willing to recommend M-banking to others | 0.831 | – | – |
| I would be willing to tell the merits of M-banking to others | 0.815 | – | – |
| I would be willing to encourage others to transact with M-banking | 0.809 | – | – |
| I have positive things to say about M-banking | 0.788 | – | – |
| Use behavior (UB) | – | 0.797 | 0.832 |
| I would take advantage of M-banking for my banking activities | 0.846 | – | – |
| Given that I have access to a mobile phone, I would use M-banking | 0.843 | – | – |
| Constructs | Loads | Cronbach’s | CR |
|---|---|---|---|
| Performance expectancy (PE) | – | 0.895 | 0.927 |
| Using M-banking would improve my performance | 0.887 | – | – |
| Using M-banking would save my time | 0.888 | – | – |
| I would use M-banking anyplace | 0.833 | – | – |
| I would find M-banking useful | 0.878 | – | – |
| Effort expectancy (EE) | 0.875 | 0.915 | |
| Learning to use M-banking is easy for me | 0.837 | – | – |
| Becoming skillful at using M-banking is easy for me | 0.880 | – | – |
| Interaction with M-banking is easy for me | 0.809 | – | – |
| I would find M-banking is easy to use | 0.885 | – | – |
| Social influence (SI) | 0.891 | 0.923 | |
| People who are important to me think that I should use M-banking | 0.867 | – | – |
| People who are familiar with me think that I should use M-banking | 0.906 | – | – |
| People who influence my behavior think that I should use M-banking | 0.756 | – | – |
| Most people surrounding with me use M-banking | 0.925 | – | – |
| Facilitating condition (FC) | 0.902 | 0.932 | |
| My living environment supports me to use M-banking | 0.848 | – | – |
| My working environment supports me to use M-banking | 0.916 | – | – |
| Using M-banking is compatible with my life | 0.843 | – | – |
| Help is available when I get problem in using M-banking | 0.908 | – | – |
| Habit (HT) | – | 0.832 | 0.899 |
| The use of M-banking has become a habit for me | 0.838 | – | – |
| I am addicted to using M-banking | 0.902 | – | – |
| I must use M-banking | 0.854 | – | – |
| Hedonic motivation (HM) | – | 0.803 | 0.885 |
| Using M-banking is fun | 0.875 | – | – |
| Using M-banking is enjoyable | 0.871 | – | – |
| Using M-banking is very entertaining | 0.797 | – | – |
| Perceived value (PV) | – | 0.862 | 0.915 |
| Compared to the fee I need to pay, the use of M-banking offers value for money | 0.924 | – | – |
| Compared to the effort I need to put in, the use of M-banking is beneficial to me | 0.900 | – | – |
| Compared to the time I need to spend, the use of M-banking is worthwhile to me | 0.828 | – | – |
| Trialability (TR) | – | 0.744 | 0.851 |
| Before deciding to use the M-banking, I was able to properly try it out | 0.886 | – | – |
| I was permitted to use the M-banking on a trial basis long enough to see what it could do | 0.808 | – | – |
| I’ve had a great deal of opportunity to try various M-banking capabilities | 0.731 | – | – |
| M-bank behavioral intention (MBI) | – | 0.820 | 0.893 |
| I intend to continue using M-banking in the future | 0.862 | – | – |
| I will always try to use M-banking in my daily life | 0.865 | – | – |
| I plan to continue to use M-banking frequently | 0.846 | – | – |
| Word of mouth (WOM) | – | 0.826 | 0.885 |
| I will be willing to recommend M-banking to others | 0.831 | – | – |
| I would be willing to tell the merits of M-banking to others | 0.815 | – | – |
| I would be willing to encourage others to transact with M-banking | 0.809 | – | – |
| I have positive things to say about M-banking | 0.788 | – | – |
| Use behavior (UB) | – | 0.797 | 0.832 |
| I would take advantage of M-banking for my banking activities | 0.846 | – | – |
| Given that I have access to a mobile phone, I would use M-banking | 0.843 | – | – |
Note:
CR: composite reliability