Perceived trust

0.773

0.82

0.50

PT1

0.652

^***

0.425

0.419

PT2

0.703

0.111

0.494

0.410

PT3

0.686

0.120

0.471

0.460

PT4

0.600

0.127

0.360

0.471

PT5

0.579

0.117

0.336

0.366

Purchase intention to use EPS

0.831

0.80

0.50

PI1

0.767

^***

0.588

0.545

PI2

0.804

0.143

0.647

0.484

PI3

0.739

0.134

0.546

0.574

PI4

0.659

0.138

0.434

0.606

Actual purchase using credit cards

0.866

0.81

0.52

AP1

0.767

^***

0.588

0.651

AP2

0.854

0.070

0.730

0.436

AP3

0.796

0.069

0.634

0.558

AP4

0.730

0.069

0.533

0.672

Actual purchase using cash on delivery

0.840

0.80

0.50

AO1

0.784

^***

0.615

0.775

AO2

0.791

0.140

0.625

0.535

AO3

0.818

0.138

0.669

0.445

AO4

0.636

0.137

0.405

0.491

Actual purchase using PayPal

0.888

0.82

0.55

AR1

0.822

^***

0.675

0.742

AR2

0.837

0.070

0.700

0.509

AR3

0.847

0.069

0.717

0.460

AR4

0.757

0.074

0.573

0.494