Table 5 Construct validity and composite...

Table 5

Construct validity and composite reliability for all measurement models

Item	Factor	Convergent validity (a)		Discriminant validity (b)			Composite reliability (c)
Item	Factor	AVE	Result	Square Root AVE	Correlation between factors	Result	Composite reliability	Result
This application must protect information about my financial transactions	Safety	0.52	Accepted	0.72	Information Accuracy – 0.71 Performance – 0.22 Support – 0.11 Usability – 0.67 Visual Design – 0.48	Accepted	0.84	Accepted
The application should not share my personal information with other sites
The application should be trustworthy
It must feel safe to do the transaction on the application
I must be confident about the security of the application
The application provides quick and easy access to finding information	Information Accuracy	0.53	Accepted	0.73	Safety – 0.71 Performance – 0.19 Support – 0.08 Usability – 0.61 Visual Design – 0.44	Accepted	0.82	Accepted
The application provides information at an appropriate level of detail
The application has information that is updated regularly and quickly
The application provides information that can be relied upon
The application must load quickly all the information when I log in	Performance	053	Accepted	0.73	Safety – 0.22 Information Accuracy – 0.19 Support – 0.59 Usability – 0.30 Visual Design – 0.05	Accepted	0.81	Accepted
The application should never crash
The application should load various screen fast
The application must be able to process data and transaction quickly
The application platform must have customer service representatives available to help customers	Support	0.50	Accepted	0.71	Safety – 0.11 Information Accuracy – 0.08 Performance – 0.59 Usability – 0.12 Visual Design – 0.07	Accepted	0.80	Accepted
I must receive an immediate service if any problem occurs when I am using this application
The service support of the application must take care of problems promptly
The application must make it easy for customers to contact the company (e.g. provides 1–800 numbers)
It must be easy for me to operate this application	Usability	0.54	Accepted	0.74	Safety – 0.67 Information Accuracy – 0.6 Performance – 0.30 Support – 0.13 Visual Design – 0.52	Accepted	0.70	Accepted
I should be able to use the application anytime and anywhere	Usability	0.54	Accepted	0.74		Accepted	0.70	Accepted
The application must have an overall attractive appearance	Visual Design	0.40	Rejected	0.63	Safety – 0.47 Information Accuracy – 0.44 Performance – 0.05 Support – 0.07 Usability – 0.53	Accepted	0.57	Rejected
The application must portray the identity (theme, color, logo) of the organization	Visual Design	0.40	Rejected	0.63		Accepted	0.57	Rejected

Item	Factor	Convergent validity (a)		Discriminant validity (b)			Composite reliability (c)
Item	Factor	AVE	Result	Square Root AVE	Correlation between factors	Result	Composite reliability	Result
This application must protect information about my financial transactions	Safety	0.52	Accepted	0.72	Information Accuracy – 0.71Performance – 0.22Support – 0.11Usability – 0.67Visual Design – 0.48	Accepted	0.84	Accepted
The application should not share my personal information with other sites
The application should be trustworthy
It must feel safe to do the transaction on the application
I must be confident about the security of the application
The application provides quick and easy access to finding information	Information Accuracy	0.53	Accepted	0.73	Safety – 0.71Performance – 0.19Support – 0.08Usability – 0.61Visual Design – 0.44	Accepted	0.82	Accepted
The application provides information at an appropriate level of detail
The application has information that is updated regularly and quickly
The application provides information that can be relied upon
The application must load quickly all the information when I log in	Performance	053	Accepted	0.73	Safety – 0.22Information Accuracy – 0.19Support – 0.59Usability – 0.30Visual Design – 0.05	Accepted	0.81	Accepted
The application should never crash
The application should load various screen fast
The application must be able to process data and transaction quickly
The application platform must have customer service representatives available to help customers	Support	0.50	Accepted	0.71	Safety – 0.11Information Accuracy – 0.08Performance – 0.59Usability – 0.12Visual Design – 0.07	Accepted	0.80	Accepted
I must receive an immediate service if any problem occurs when I am using this application
The service support of the application must take care of problems promptly
The application must make it easy for customers to contact the company (e.g. provides 1–800 numbers)
It must be easy for me to operate this application	Usability	0.54	Accepted	0.74	Safety – 0.67Information Accuracy – 0.6Performance – 0.30Support – 0.13Visual Design – 0.52	Accepted	0.70	Accepted
I should be able to use the application anytime and anywhere	Usability	0.54	Accepted	0.74		Accepted	0.70	Accepted
The application must have an overall attractive appearance	Visual Design	0.40	Rejected	0.63	Safety – 0.47Information Accuracy – 0.44Performance – 0.05Support – 0.07Usability – 0.53	Accepted	0.57	Rejected
The application must portray the identity (theme, color, logo) of the organization	Visual Design	0.40	Rejected	0.63		Accepted	0.57	Rejected

Source(s): Table by authors

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