Construct | Indicators /items | Standard loading | Composite reliability | Cronbach’s alpha | AVE |
Perceived usefulness (PU) | PU1 | 0.84 | 0.86 | 0.86 | 0.60 |
PU2 | 0.84 | ||||
PU3 | 0.67 | ||||
PU4 | 0.74 | ||||
Perceived ease of use (PEU) | PEU1 | 0.89 | 0.89 | 0.90 | 0.68 |
PEU2 | 0.90 | ||||
PEU3 | 0.73 | ||||
PEU4 | 0.76 | ||||
Information technology experience (ITE) | ITE1 | 0.79 | 0.91 | 0.91 | 0.78 |
ITE2 | 0.96 | ||||
ITE3 | 0.89 | ||||
Digital literacy (DL) | DL1 | 0.88 | 0.91 | 0.91 | 0.71 |
DL2 | 0.84 | ||||
DL3 | 0.83 | ||||
DL4 | 0.81 | ||||
Behavioural intention (BI) | BI1 | 0.83 | 0.84 | 0.83 | 0.63 |
BI2 | 0.71 | ||||
BI3 | 0.83 | ||||
Attitude (AT) | AT1 | 0.71 | 0.81 | 0.80 | 0.51 |
AT2 | 0.74 | ||||
AT3 | 0.72 | ||||
AT4 | 0.70 |
AVE, average variance extracted.