Table 1 Results of the measurement model...

Table 1

Results of the measurement model

Latent factors	Factor loadings	VIF	Cronbach’s alpha	Composite reliability	AVE
Perceived usefulness (PU)			0.908	0.929	0.686
PU1	0.836	2.682
PU2	0.832	2.515
PU3	0.771	1.893
PU4	0.827	2.712
PU5	0.833	2.848
PU6	0.866	3.252
Perceived ease of use (PEoU)			0.929	0.942	0.700
PEoU1	0.879	3.397
PEoU2	0.893	3.885
PEoU3	0.867	3.436
PEoU4	0.835	2.639
PEoU5	0.818	2.342
PEoU6	0.846	2.904
PEoU7	0.704	1.905
Attitude (ATT)			0.928	0.949	0.823
ATT1	0.934	4.154
ATT2	0.854	2.54
ATT3	0.906	3.401
ATT4	0.932	4.331
Perceived trust (PT)			0.879	0.910	0.670
TR1	0.876	2.563
TR2	0.787	2.067
TR3	0.740	2.079
TR4	0.796	2.339
TR5	0.885	3.169
Personal innovativeness (PI)			0.905	0.920	0.744
PI1	0.961	3.15
PI2	0.763	2.863
PI3	0.823	2.433
PI4	0.891	3.814
Social influence (SI)			0.885	0.920	0.743
SI1	0.884	2.412
SI2	0.868	2.335
SI3	0.845	2.321
SI4	0.850	2.365
Self-efficacy (SE)			0.885	0.920	0.743
SE1	0.872	2.040
SE2	0.912	2.940
SE3	0.815	2.310
SE4	0.808	2.268
Perceived risk (PR)			0.931	0.941	0.667
PR1	0.714	2.390
PR2	0.802	3.993
PR3	0.841	3.207
PR4	0.851	2.962
PR5	0.885	3.031
PR6	0.741	2.893
PR7	0.802	3.556
PR8	0.882	3.922
Perceived costs (PC)			0.906	0.928	0.722
PC1	0.800	3.030
PC2	0.880	3.289
PC3	0.892	2.574
PC4	0.876	3.549
PC5	0.796	3.153
Anxiety (ANX)			0.937	0.952	0.798
ANX1	0.866	2.810
ANX2	0.905	3.763
ANX3	0.872	3.358
ANX4	0.915	4.191
ANX5	0.908	3.722
Device barrier (DB)			0.850	0.892	0.675
DB1	0.825	1.418
DB2	0.800	2.343
DB3	0.821	2.311
DB4	0.838	2.377
Behavioural intention (BI)			0.894	0.927	0.76
BI1	0.893	2.751
BI2	0.850	2.173
BI3	0.883	2.725
BI4	0.860	2.288
Use behaviour (UB)			0.721	0.837	0.632
UB1	0.804	1.611
UB2	0.724	1.433
UB3	0.852	1.335

Latent factors	Factor loadings	VIF	Cronbach’s alpha	Composite reliability	AVE
Perceived usefulness (PU)			0.908	0.929	0.686
PU1	0.836	2.682
PU2	0.832	2.515
PU3	0.771	1.893
PU4	0.827	2.712
PU5	0.833	2.848
PU6	0.866	3.252
Perceived ease of use (PEoU)			0.929	0.942	0.700
PEoU1	0.879	3.397
PEoU2	0.893	3.885
PEoU3	0.867	3.436
PEoU4	0.835	2.639
PEoU5	0.818	2.342
PEoU6	0.846	2.904
PEoU7	0.704	1.905
Attitude (ATT)			0.928	0.949	0.823
ATT1	0.934	4.154
ATT2	0.854	2.54
ATT3	0.906	3.401
ATT4	0.932	4.331
Perceived trust (PT)			0.879	0.910	0.670
TR1	0.876	2.563
TR2	0.787	2.067
TR3	0.740	2.079
TR4	0.796	2.339
TR5	0.885	3.169
Personal innovativeness (PI)			0.905	0.920	0.744
PI1	0.961	3.15
PI2	0.763	2.863
PI3	0.823	2.433
PI4	0.891	3.814
Social influence (SI)			0.885	0.920	0.743
SI1	0.884	2.412
SI2	0.868	2.335
SI3	0.845	2.321
SI4	0.850	2.365
Self-efficacy (SE)			0.885	0.920	0.743
SE1	0.872	2.040
SE2	0.912	2.940
SE3	0.815	2.310
SE4	0.808	2.268
Perceived risk (PR)			0.931	0.941	0.667
PR1	0.714	2.390
PR2	0.802	3.993
PR3	0.841	3.207
PR4	0.851	2.962
PR5	0.885	3.031
PR6	0.741	2.893
PR7	0.802	3.556
PR8	0.882	3.922
Perceived costs (PC)			0.906	0.928	0.722
PC1	0.800	3.030
PC2	0.880	3.289
PC3	0.892	2.574
PC4	0.876	3.549
PC5	0.796	3.153
Anxiety (ANX)			0.937	0.952	0.798
ANX1	0.866	2.810
ANX2	0.905	3.763
ANX3	0.872	3.358
ANX4	0.915	4.191
ANX5	0.908	3.722
Device barrier (DB)			0.850	0.892	0.675
DB1	0.825	1.418
DB2	0.800	2.343
DB3	0.821	2.311
DB4	0.838	2.377
Behavioural intention (BI)			0.894	0.927	0.76
BI1	0.893	2.751
BI2	0.850	2.173
BI3	0.883	2.725
BI4	0.860	2.288
Use behaviour (UB)			0.721	0.837	0.632
UB1	0.804	1.611
UB2	0.724	1.433
UB3	0.852	1.335

Note(s): All factor loadings are statistically significant at a significance level of 0.05; AVE, “average variance extracted; ” VIF, “variance inflation factor; ”

Source(s): Authors’ own creation

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