Constructs

No. of items

Jakarta

Taipei

Factor loadings

Eigenvalues

Percentage of variance

Factor loadings

Eigenvalues

Percentage of variance

Trust

5

0.536 - 0.919

5.727

22.026

0.923 - 0.950

7.317

28.141

Cost

5

0.519 - 0.917

3.960

15.230

0.780 - 0.939

5.290

20.347

Social influence

3

0.559 - .0924

3.038

11.686

0.901 - 0.935

3.405

13.095

Variety of services

3

0.807 - 0.913

2.634

10.132

0.702 - 0.809

2.099

8.072

Perceived usefulness

3

0.626 - 0.797

2.261

8.698

0.758 - 0.855

1.736

6.678

Perceived ease of use

3

0.826 - 0.913

1.535

5.904

0.698 - 0.821

1.293

4.972

Trialability

2

0.808 - 0.870

1.225

4.713

0.815 - 0.871

1.035

3.981