Table 2 Construct Reliability and Validity of the Study.

From: Exploring behavioral intentions of consumers towards different digital payment services through the interplay of perceived risks and adoption factors

Factors

Loadings

Indicator reliability

VIF

Cronbach’s Alpha

rho_A

Composite Reliability

AVE

Facilitating Conditions

Customer support

0.664

0.564

0.768

0.525

FC_CS_1

0.756

0.572

1.304

    

FC_CS_2

0.744

0.554

1.414

    

FC_CS_3

0.670

0.449

1.270

    

Speed

   

0.756

0.761

0.845

0.577

FC_S_1

0.773

0.598

1.582

    

FC_S_2

0.739

0.546

1.614

    

FC_S_3

0.786

0.618

1.891

    

FC_S_4

0.739

0.546

1.540

    

Assurance

   

0.629

0.634

0.802

0.576

FC_A_1

0.783

0.614

1.562

    

FC_A_2

0.698

0.487

1.365

    

FC_A_4

0.791

0.626

1.509

    

Performance Expectancy

Monetary savings

0.674

0.678

0.822

0.606

PE_MS_1

0.758

0.575

1.264

    

PE_MS_2

0.754

0.569

1.308

    

PE_MS_4

0.821

0.675

1.416

    

Economic efficiency

0.606

0.627

0.755

0.511

PE_EE_2

0.578

0.335

1.093

    

PE_EE_3

0.717

0.514

1.235

    

PE_EE_5

0.828

0.686

1.337

    

Seamless transactions

0.626

0.630

0.842

0.727

PE_ST_1

0.869

0.756

1.262

    

PE_ST_4

0.836

0.698

1.262

    

Effort Expectancy

Ease of use

   

0.717

0.717

0.825

0.541

EE_EU_1

0.755

0.570

1.461

    

EE_EU_2

0.757

0.573

1.414

    

EE_EU_3

0.686

0.470

1.269

    

EE_EU_4

0.743

0.551

1.382

    

Convenience

   

0.704

0.704

0.818

0.530

EE_C_2

0.712

0.508

1.336

    

EE_C_3

0.754

0.568

1.429

    

EE_C_4

0.709

0.502

1.247

    

EE_C_5

0.735

0.540

1.339

    

Complexity

   

0.655

0.667

0.811

0.589

EE_CO_1

0.723

0.523

1.290

    

EE_CO_3

0.779

0.607

1.300

    

EE_CO_4

0.798

0.637

1.248

    

Social Influence

External influence

0.577

0.605

0.772

0.534

SI_EI_2

0.600

0.360

1.184

    

SI_EI_4

0.802

0.643

1.180

    

SI_EI_5

0.773

0.598

1.138

    

Interpersonal influence

0.671

0.672

0.778

0.539

SI_II_1

0.784

0.614

1.280

    

SI_II_2

0.699

0.489

1.194

    

SI_II_3

0.718

0.515

1.219

    

Perceived risks

Cyber security risks

0.700

0.706

0.832

0.624

PR_CR_1

0.779

0.607

1.284

    

PR_CR_3

0.826

0.683

1.455

    

PR_CR_4

0.763

0.582

1.402

    

Financial risks

0.686

0.698

0.826

0.614

PR_FR_1

0.806

0.650

1.602

    

PR_FR_2

0.719

0.517

1.286

    

PR_FR_4

0.821

0.674

1.739

    

Operational risks

0.664

0.665

0.817

0.598

PR_OR_1

0.779

0.607

1.728

    

PR_OR_2

0.750

0.562

1.461

    

PR_OR_4

0.791

0.625

1.418

    

Privacy risks

0.696

0.717

0.814

0.525

PR_PR_1

0.727

0.529

1.507

    

PR_PR_2

0.736

0.541

1.802

    

PR_PR_3

0.597

0.357

1.194

    

PR_PR_4

0.820

0.673

1.800

    

Regulatory risks

0.724

0.727

0.829

0.548

PR_RR_1

0.792

0.628

2.002

    

PR_RR_2

0.742

0.550

1.603

    

PR_RR_3

0.719

0.517

1.523

    

PR_RR_4

0.705

0.497

1.586

    

Behavioral intention

0.668

0.673

0.799

0.500

BI_1

0.726

0.528

1.272

    

BI_3

0.690

0.476

1.211

    

BI_4

0.641

0.411

1.339

    

BI_5

0.765

0.585

1.449

    
Back to article page