Variables | Mean | VIF | Loadings | Kurtosis | Skewness | CA | Rho_A | CR | AVE |
---|---|---|---|---|---|---|---|---|---|
Convenience | Â | Â | Â | Â | Â | Â | Â | Â | Â |
CON1 | 4.57 | 2.866 | 0.899 | − 1.131 | − 0.434 | 0.911 | 0.917 | 0.938 | 0.790 |
CON2 | 4.52 | 2.779 | 0.886 | − 0.928 | − 0.499 |  |  |  |  |
CON3 | 4.73 | 3.250 | 0.908 | − 0.928 | − 0.410 |  |  |  |  |
CON4 | 4.55 | 2.510 | 0.862 | − 0.793 | − 0.541 |  |  |  |  |
Effort expectancy | Â | Â | Â | Â | Â | Â | Â | Â | Â |
EE1 | 5.15 | 3.971 | 0.968 | − 0.678 | − 0.751 | 0.928 | 0.931 | 0.965 | 0.932 |
EE2 | 5.16 | 3.971 | 0.963 | − 0.703 | − 0.692 |  |  |  |  |
Subjective norms | Â | Â | Â | Â | Â | Â | Â | Â | Â |
SN1 | 3.98 | 2.334 | 0.867 | − 1.108 | − 0.164 | 0.891 | 0.893 | 0.925 | 0.754 |
SN2 | 3.63 | 2.809 | 0.892 | − 0.999 | 0.161 |  |  |  |  |
SN3 | 3.65 | 2.337 | 0.854 | − 1.156 | 0.157 |  |  |  |  |
SN4 | 3.98 | 2.315 | 0.861 | − 1.163 | − 0.079 |  |  |  |  |
Personal innovation | Â | Â | Â | Â | Â | Â | Â | Â | Â |
PIIT1 | 4.58 | 3.605 | 0.915 | − 0.974 | − 0.399 | 0.939 | 0.940 | 0.956 | 0.845 |
PIIT2 | 4.18 | 2.928 | 0.886 | − 1.135 | − 0.202 |  |  |  |  |
PIIT3 | 4.56 | 4.719 | 0.938 | − 0.891 | − 0.356 |  |  |  |  |
PIIT4 | 4.39 | 4.587 | 0.936 | − 1.034 | − 0.202 |  |  |  |  |
Habit | Â | Â | Â | Â | Â | Â | Â | Â | Â |
HAB1 | 4.15 | 3.109 | 0.925 | − 1.103 | − 0.139 | 0.901 | 0.916 | 0.938 | 0.834 |
HAB2 | 4.26 | 3.836 | 0.942 | − 0.938 | − 0.178 |  |  |  |  |
HAB3 | 4.43 | 2.397 | 0.872 | − 0.831 | − 0.308 |  |  |  |  |
Perceived usefulness | Â | Â | Â | Â | Â | Â | Â | Â | Â |
PU1 | 4.45 | 1.960 | 0.819 | − 1.026 | − 0.301 | 0.889 | 0.899 | 0.923 | 0.751 |
PU2 | 4.55 | 2.802 | 0.891 | − 0.884 | − 0.357 |  |  |  |  |
PU3 | 4.26 | 2.348 | 0.861 | − 1.010 | − 0.163 |  |  |  |  |
PU4 | 4.58 | 2.591 | 0.893 | − 0.820 | − 0.467 |  |  |  |  |
Perceived trust | Â | Â | Â | Â | Â | Â | Â | Â | Â |
PTR1 | 4.20 | 2.761 | 0.881 | − 0.876 | − 0.218 | 0.937 | 0.941 | 0.955 | 0.842 |
PTR2 | 4.27 | 4.913 | 0.937 | − 0.981 | − 0.035 |  |  |  |  |
PTR3 | 4.28 | 4.650 | 0.932 | − 0.931 | − 0.223 |  |  |  |  |
PTR4 | 4.06 | 3.542 | 0.918 | − 0.940 | − 0.164 |  |  |  |  |
Intention to use | Â | Â | Â | Â | Â | Â | Â | Â | Â |
IU1 | 3.98 | 3.380 | 0.960 | − 1.208 | − 0.045 | 0.913 | 0.913 | 0.958 | 0.920 |
IU2 | 3.93 | 3.380 | 0.958 | − 1.181 | 0.008 |  |  |  |  |
Intention to recommend | Â | Â | Â | Â | Â | Â | Â | Â | Â |
RECOM1 | 4.36 | 2.735 | 0.899 | − 0.821 | − 0.350 | 0.898 | 0.899 | 0.936 | 0.831 |
RECOM2 | 4.25 | 3.509 | 0.933 | − 0.902 | − 0.280 |  |  |  |  |
RECOM3 | 3.95 | 2.535 | 0.902 | − 0.950 | − 0.074 |  |  |  |  |