Table 4 The results of the confirmatory factor analysis (CFA)
From: Understanding the adoption context of China’s digital currency electronic payment
Constructs | Items | Loadings | References | |
|---|---|---|---|---|
Task characteristic (TAC) | TAC1 | I need to know and manage my financial accounts anytime and anywhere | 0.833 | Chen and Tan (2018) |
TAC2 | I need to be able to transfer money to my financial account anytime and anywhere | 0.856 | ||
TAC3 | I need access to my financial account anytime, anywhere | 0.811 | ||
Technology characteristic (TEC) | TEC1 | DCEP can offer services that are different from other payment applications | 0.840 | |
TEC2 | DCEP can provide real-time payment services | |||
TEC3 | DCEP can provide secure payment services | 0.817 | ||
TEC4 | DCEP can provide fast payment services | 0.848 | ||
Task-technology fit (TTF) | TTF1 | The functions of the DCEP in terms of payment are sufficient | 0.847 | |
TTF2 | DCEP can provide unique services that meet users’ needs | 0.824 | ||
TTF3 | In general, the functions provided by DCEP are appropriate | 0.808 | ||
Privacy concern (PC.) | PC1 | I am concerned that payment methods commonly used today may collect my personal information without telling me | 0.860 | Zhou et al. (2021) |
PC2 | I am concerned about the potential misuse of personal information submitted to payment methods now commonly used | 0.845 | ||
PC3 | I worry that other people will be able to find my private information through the payment methods I now use | 0.855 | ||
PC4 | I am concerned about giving personal information to the currently common means of payment because the consequences are unpredictable | 0.852 | ||
Percirved security (PS.) | PS1 | I believe that DCEP have a secure web for electronic transactions | 0.814 | Escobar-Rodríguez and Carvajal-Trujillo (2014) |
PS2 | I consider that DCEP guarantees that my payment process is not interrupted and my transaction information is not lost | 0.868 | ||
PS3 | I consider that online banks keep and handle my personal information safely | 0.827 | ||
Relative advantage (RA.) | RA1 | DCEP is more efficient than other methods of payment | Delete | Chen and Tan (2018) |
RA2 | DCEP is easier to try than other payment methods | 0.875 | ||
RA3 | Compared with other payment methods, DCEP is subject to fewer time restrictions and space restrictions | 0.843 | ||
RA4 | Compared with other payment methods, DCEP is more reliable to use | 0.862 | ||
Switching cost (SC.) | SC1 | It takes me some time to learn how to use DCEP | Delete | Kim and Kankanhalli (2009) |
SC2 | I need to learn to use DCEP at a loss | 0.904 | ||
SC3 | It takes me some time to register and get familiar with the DCEP | 0.894 | ||
SC4 | I’m not sure the DCEP will bring me better products and services | 0.892 | ||
Government support (GS.) | GS1 | Overall, I ink the government has policies that promote the use of DCEP | 0.854 | Sánchez-Torres et al. (2018) |
GS2 | Overall, I think the government is promoting the development of DCEP | 0.855 | ||
GS3 | Overall, I think the government has a favorable legislation to use DCEP | 0.837 | ||
Usage intention (UI.) | UI1 | I’d like to try using DCEP | 0.827 | |
UI2 | It is more likely that I will try to use DCEP | 0.868 | ||
UI3 | I’m thinking about starting to try to understand and use DCEP | 0.791 |