Net valence analysis of iris recognition technology-based FinTech

Financial Innovation

Table 5 Construct reliability and convergent validity

Construct	Item	Loading	α	rho_A	CR	AVE
Financial security benefit (SEB)	SEB1	0.901	0.914	0.917	0.940	0.796
	SEB2	0.914
	SEB3	0.899
	SEB4	0.852
Convenience benefit (COB)	COB1	0.935	0.910	0.913	0.943	0.848
	COB2	0.877
	COB3	0.948
FinTech-enabled hygiene benefit (HYB)	HYB1	0.904	0.879	0.880	0.926	0.806
	HYB2	0.902
	HYB3	0.887
Performance risk (PER)	PER1	0.899	0.908	0.913	0.940	0.840
	PER2	0.940
	PER3	0.910
Financial risk (FIR)	FIR1	0.825	0.857	0.901	0.911	0.773
	FIR2	0.891
	FIR3	0.919
Privacy risk (PRR)	PRR1	0.893	0.894	0.897	0.934	0.825
	PRR2	0.942
	PRR3	0.889
	PRR4	0.502*
Physical risk (PHR)	PHR1	0.869	0.891	0.897	0.933	0.822
	PHR2	0.930
	PHR3	0.919
Perceived value (PVA)	PVA1	0.883	0.916	0.918	0.941	0.800
	PVA2	0.876
	PVA3	0.900
	PVA4	0.917
Adoption intention of IRT-based FinTech at ATMs (INT)	INT1	0.918	0.902	0.904	0.939	0.836
	INT2	0.913
	INT3	0.912