Table 3. Item loadings, CR, AVE and...

Table 3.

Item loadings, CR, AVE and Cronbach’s alpha for each construct

Construct	Scale item	Factor loading	CR	AVE	Cronbach’s alpha
Perceived security	SE1	0.837	0.916	0.732	0.916
	SE2	0.902
	SE3	0.842
	SE4	0.840
Privacy	PR1	0.848	0.908	0.712	0.905
	PR2	0.878
	PR3	0.858
	PR4	0.788
Trust	TR1	0.896	0.934	0.824	0.932
	TR2	0.948
	TR3	0.878
Perceived usefulness	PU1	0.889	0.901	0.754	0.900
	PU2	0.892
	PU3	0.822
Perceived ease of use	PE1	0.773	0.882	0.651	0.881
	PE2	0.849
	PE3	0.819
	PE4	0.784
Perceived enjoyment	EN1	0.884	0.904	0.758	0.903
	EN2	0.876
	EN3	0.852
Subjective norms	SN1	0.804	0.903	0.757	0.901
	SN2	0.885
	SN3	0.917
Behaviour intention to use	BI1	0.860	0.922	0.797	0.921
	BI2	0.933
	BI3	0.883

Construct	Scale item	Factor loading	CR	AVE	Cronbach’s alpha
Perceived security	SE1	0.837	0.916	0.732	0.916
	SE2	0.902
	SE3	0.842
	SE4	0.840
Privacy	PR1	0.848	0.908	0.712	0.905
	PR2	0.878
	PR3	0.858
	PR4	0.788
Trust	TR1	0.896	0.934	0.824	0.932
	TR2	0.948
	TR3	0.878
Perceived usefulness	PU1	0.889	0.901	0.754	0.900
	PU2	0.892
	PU3	0.822
Perceived ease of use	PE1	0.773	0.882	0.651	0.881
	PE2	0.849
	PE3	0.819
	PE4	0.784
Perceived enjoyment	EN1	0.884	0.904	0.758	0.903
	EN2	0.876
	EN3	0.852
Subjective norms	SN1	0.804	0.903	0.757	0.901
	SN2	0.885
	SN3	0.917
Behaviour intention to use	BI1	0.860	0.922	0.797	0.921
	BI2	0.933
	BI3	0.883