Constructs & Items

Factor

Loadings

Cronbach

Alpha

Composite

Reliability

AVE

Accessibility

0.416

0.668

0.543

AC1

0.911

AC2

−0.133

AC3

0.884

Intention to use

0.894

0.934

0.826

IU1

0.941

IU2

0.867

IU3

0.917

Perceived Ease of Use

0.663

0.816

0.617

PEOU1

0.923

PEOU2

0.894

PEOU3

−0.103

PEOU4

0.897

Perceived Usefulness

0.880

0.919

0.743

PU1

0.916

PU2

0.929

PU3

0.907

PU4

0.670

System Quality

0.816

0.915

0.844

SQ1

0.928

SQ2

0.909

Transactional Cost

0.811

0.885

0.720

TC1

0.875

TC2

0.804

TC3

0.865