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Financial Innovation

Table 5 Evaluation of measurement model with trust as a moderator (measurement model indicator reliability)

From: The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq

Indicators/items

Code

FL

Cronbach's Alpha

rho_A

CR

AVE

PE

PE1

0.852

0.906

0.933

0.925

0.674

PE2

0.870

    

PE3

0.770

    

PE4

0.896

    

PE5

0.704

    

PE6

0.819

    

EE

EE7

0.886

0.954

0.954

0.963

0.812

EE8

0.915

    

EE9

0.934

    

EE10

0.884

    

EE11

0.885

    

EE12

0.901

    

SI

SI13

0.830

0.824

0.830

0.895

0.740

SI17

0.905

    

SI18

0.844

    

FC

FC19

0.919

0.847

0.889

0.906

0.764

FC20

0.915

    

FC22

0.782

    

T

T49

0.978

0.979

0.992

0.986

0.960

T50

0.984

    

T51

0.977

    

UB

UB64

0.927

0.952

0.953

0.965

0.874

UB65

0.953

    

UB66

0.939

    

UB67

0.921

    
  1. FL, factor loading; PE, performance expectancy; EE, effort expectancy; SI, social influence; FC, facilitating conditions; IF, individual factors; T * IF, trust * individual factors; IF * T, individual * trust; T, trust; UB, user behaviour
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