Factors affecting consumer acceptance of electronic cash in China: an empirical study

Financial Innovation

Table 4 The reliability and validity of the measurement instrument

Latent variables	Observable variables	Factor loading	α	CR	AVE
Perceived ease of use (PEoU)	PEoU1	0.88	0.96	0.99	0.81
	PEoU 2	0.89
	PEoU 3	0.92
	PEoU 4	0.91
	PEoU 5	0.91
Perceived security (PS)	PS1	0.88	0.92	0.99	0.80
	PS2	0.90
	PS3	0.90
Attitude to e-cash (A)	A1	0.85	0.95	0.99	0.77
	A2	0.88
	A3	0.90
	A4	0.90
	A5	0.91
Social influence (SI)	SI1	0.89	0.95	0.99	0.81
	SI2	0.90
	SI3	0.91
	SI4	0.91
Cost of use (Cost)	Cost1	0.80	0.88	0.97	0.72
	Cost2	0.88
	Cost3	0.86
Perceived government policy (GP)	GP1	0.88	0.92	0.98	0.78
	GP2	0.89
	GP3	0.88
Perceived usefulness (PU)	PU1	0.87	0.92	0.99	0.8
	PU2	0.91
	PU3	0.91
E-cash usage intentions (Intention)	I1	0.86	0.94	0.98	0.76
	I2	0.89
	I3	0.82
	I4	0.91
	I5	0.87