Table 2 CFA outcomes Construct Item code...

Table 2

CFA outcomes

Construct	Item code	Item loadings	CR	AVE
Perceived usefulness	PU1	0.743	0.932	0.744
	PU2	0.876
	PU3	0.872
	PU4	0.814
	PU5	0.861
	PU6	0.834
Perceived ease of use	PEU1	0.851	0.921	0.696
	PEU2	0.874
	PEU3	0.891
	PEU4	0.834
Perceived trust	PT1	0.889	0.912	0.775
	PT2	0.876
	PT3	0.875
Barriers	Value barrier	0.797	0.887	0.568
	Risk barrier 1	0.720
	Risk barrier 2	0.692
	Image barrier	0.792
	Usage barrier	0.797
	Tradition barrier	0.718
Attitude	ATT1	0.870	0.908	0.767
	ATT2	0.864
	ATT3	0.894
Intention	INT1	0.802	0.901	0.695
	INT2	0.840
	INT3	0.867
	INT4	0.823

Construct	Item code	Item loadings	CR	AVE
Perceived usefulness	PU1	0.743	0.932	0.744
	PU2	0.876
	PU3	0.872
	PU4	0.814
	PU5	0.861
	PU6	0.834
Perceived ease of use	PEU1	0.851	0.921	0.696
	PEU2	0.874
	PEU3	0.891
	PEU4	0.834
Perceived trust	PT1	0.889	0.912	0.775
	PT2	0.876
	PT3	0.875
Barriers	Value barrier	0.797	0.887	0.568
	Risk barrier 1	0.720
	Risk barrier 2	0.692
	Image barrier	0.792
	Usage barrier	0.797
	Tradition barrier	0.718
Attitude	ATT1	0.870	0.908	0.767
	ATT2	0.864
	ATT3	0.894
Intention	INT1	0.802	0.901	0.695
	INT2	0.840
	INT3	0.867
	INT4	0.823