Constructs and measurement items
| Constructs | Measurement item | Source | |
|---|---|---|---|
| RN size | RN1 | As far as I know, many people buy internet financial products on this platform | Lin and Bhattacherjee (2008) |
| RN2 | Many of my friends and family members buy internet financial products on this platform | ||
| RN3 | I expect that many people will buy internet financial products on this platform | ||
| PC | PC1 | This financial platform provides more than one type of internet financial product for customers | Zhou and Lu (2011) |
| PC2 | This financial platform has a wide range of support tools (such as picture sharing, information sharing and video sharing) | ||
| PC3 | This financial platform provides a wide range of life services (such as payment for living expenses, online shopping, and credit card repayments) | ||
| Imitating others (IO) | IO1 | In my opinion, this financial product is the featured product of this platform, and thus, I want to buy it, too | Sun (2013) |
| IO2 | I will follow others to buy internet financial products on this platform | ||
| IO3 | I will buy internet financial products on this platform because a lot of people have already done this | ||
| IO4 | I will buy popular products promoted by the media | ||
| Discounting own information (DOI) | DOI1 | My purchase of this financial product does not reflect my preference for this product | Sun (2013) |
| DOI2 | I do not make the investment decisions based on my own research and information | ||
| DOI3 | If I do not know many people have bought this financial product, I might choose another type of financial product | ||
| PV | PV1 | Financial products on this platform can help me to obtain higher returns | Yung-Shen et al. (2016) |
| PV2 | Internet finance on this platform can bring convenience to my daily life | ||
| PV3 | Financial products on this platform can make me feel secure | ||
| PV4 | Financial products on this platform can bring me psychological satisfaction | ||
| SE | SE1 | I have confidence that I can make effective investments on this internet finance platform | Bandura and Albert (2011) |
| SE2 | I have confidence that I can proficiently use relevant financial software to purchase financial products | ||
| SE3 | I have relevant knowledge and the ability to invest in internet financial products | ||
| BI | BI1 | I will participate in internet finance on this platform and buy required products | Bhattacherjee (2001) |
| BI2 | I will recommend my friends to buy financial products on this platform | ||
| BI3 | If needed, I would like to increase the frequency and amount of investment on this platform | ||
| BI4 | I will use the service provided by this platform in the future | ||
| Constructs | Measurement item | Source | |
|---|---|---|---|
| RN size | RN1 | As far as I know, many people buy internet financial products on this platform | |
| RN2 | Many of my friends and family members buy internet financial products on this platform | ||
| RN3 | I expect that many people will buy internet financial products on this platform | ||
| PC | PC1 | This financial platform provides more than one type of internet financial product for customers | |
| PC2 | This financial platform has a wide range of support tools (such as picture sharing, information sharing and video sharing) | ||
| PC3 | This financial platform provides a wide range of life services (such as payment for living expenses, online shopping, and credit card repayments) | ||
| Imitating others (IO) | IO1 | In my opinion, this financial product is the featured product of this platform, and thus, I want to buy it, too | |
| IO2 | I will follow others to buy internet financial products on this platform | ||
| IO3 | I will buy internet financial products on this platform because a lot of people have already done this | ||
| IO4 | I will buy popular products promoted by the media | ||
| Discounting own information (DOI) | DOI1 | My purchase of this financial product does not reflect my preference for this product | |
| DOI2 | I do not make the investment decisions based on my own research and information | ||
| DOI3 | If I do not know many people have bought this financial product, I might choose another type of financial product | ||
| PV | PV1 | Financial products on this platform can help me to obtain higher returns | |
| PV2 | Internet finance on this platform can bring convenience to my daily life | ||
| PV3 | Financial products on this platform can make me feel secure | ||
| PV4 | Financial products on this platform can bring me psychological satisfaction | ||
| SE | SE1 | I have confidence that I can make effective investments on this internet finance platform | |
| SE2 | I have confidence that I can proficiently use relevant financial software to purchase financial products | ||
| SE3 | I have relevant knowledge and the ability to invest in internet financial products | ||
| BI | BI1 | I will participate in internet finance on this platform and buy required products | |
| BI2 | I will recommend my friends to buy financial products on this platform | ||
| BI3 | If needed, I would like to increase the frequency and amount of investment on this platform | ||
| BI4 | I will use the service provided by this platform in the future | ||
Source(s): Appendix by the authors