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Table 3 Average variance extracted (AVE)

From: Factors influencing the internet banking adoption decision in North Cyprus: an evidence from the partial least square approach of the structural equation modeling

Construct (Latent variable)

Average Variance Extracted (AVE)

The intention to adopt (IN)

0.614

The personal innovativeness (INO)

0.598

The perceived ease of use (PEOU)

0.601

The perceived usefulness (PU)

0.623

The perceived risk (R)

0.558