| Variable Description | No. of items | Cronbach’s Alpha | Eigen value | % Variance explained | KMO Test | Bartlett’s Test | ||
| Ap. Chi-square | df | Sig. | ||||||
| Dependent variable | ||||||||
| Y = Adoption and use of e-PACRA services through GSB | 8 | 0.875 | 4.326 | 54.702 | 0.885 | 2040.6 | 28 | 0.00 |
| Independent variables | ||||||||
| X1 = Performance Expectancy | 4 | 0.816 | 2.644 | 66.089 | 0.685 | 240.7 | 6 | 0.00 |
| X2 = Effort Expectancy | 4 | 0.782 | 2.424 | 60.592 | 0.778 | 139.8 | 6 | 0.00 |
| X3 = Social Influence | 5 | 0.730 | 2.789 | 55.77 | 0.730 | 273.7 | 10 | 0.00 |
| X4 = Facilitating Conditions | 5 | 0.702 | 2.324 | 46.476 | 0.641 | 172.3 | 10 | 0.00 |
| X5 = Behavioral Intention | 5 | 0.892 | 3.507 | 70.1 | 0.796 | 412.1 | 10 | 0.00 |