Exploring the critical factors influencing online lending intentions

Financial Innovation

Table 1 Cross-loading matrix

	Perceived reputation	Information asymmetry	Information integrity	Trust	Lending intention
Item 1	0.79	0.08	0.48	0.46	0.39
Item 2	0.79	−0.01	0.54	0.52	0.47
Item 3	0.86	−0.14	0.68	0.72	0.65
Item 4	−0.05	0.85	−0.10	−0.26	−0.18
Item 5	−0.07	0.72	−0.08	−0.13	−0.11
Item 6	−0.02	0.84	−0.11	−0.25	−0.10
Item 7	0.56	−0.08	0.84	0.58	0.58
Item 8	0.64	−0.13	0.90	0.72	0.67
Item 9	0.67	−0.11	0.90	0.70	0.70
Item 10	0.58	−0.25	0.60	0.87	0.67
Item 11	0.62	−0.32	0.67	0.90	0.66
Item 12	0.67	−0.17	0.73	0.86	0.76
Item 13	0.40	−0.14	0.57	0.57	0.80
Item 14	0.55	−0.19	0.62	0.69	0.84
Item 15	0.63	−0.11	0.66	0.74	0.87
Item 16	0.55	−0.12	0.64	0.67	0.86