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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