Table 4 Validity and reliability testing of the measurement tool.

Variable	Factor	Std. factor loadings	SMC	t-value	Cronbach’s α	AVE	CR
FF	FF1	0.827	0.683	18.213	0.803	0.594	0.814
	FF2	0.700	0.490	15.406
	FF3	0,779	0.607
IF	IF1	0.778	0.606	16.844	0.822	0.607	0.822
	IF2	0.784	0.615	16.958
	IF3	0.775	0.600
SyF	SyF1	0.837	0.701	16.900	0.835	0.717	0.835
SyF	SyF2	0.856	0.733		0.835	0.717	0.835
NED	NED1	0.820	0.673	18.623	0.836	0.632	0.837
	NED2	0.780	0.608	17.682
	NED3	0.784	0.614
DS	DS1	0.804	0.646	17.565	0.826	0.614	0.827
	DS2	0.800	0.640	17.481
	DS3	0.746	0.556
NWOM	NWOM1	0.713	0.508	15.237	0.805	0.582	0.806
	NWOM2	0.820	0.672	17.406
	NWOM3	0.713	0.565
DI	DI1	0.825	0.680	22.312	0.910	0.717	0.910
	DI2	0.867	0.752	24.145
	DI3	0.854	0.729	23.565
	DI4	0.841	0.708

Goodness-of-fit: x²=239.787, df=168, p = .000, CMIN/df=1.427, GFI = 0.956, RMR = 0.038,
NFI = 0.963, IFI = 0.989 TLI = 0.986, CFI = 0.988, and RMSEA = 0.029

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