Constructs & Items

Factor

Loadings

Cronbach

Alpha

Composite

Reliability

AVE

Accessibility

0.772

0.897

0.814

AC1

0.915

AC3

0.890

Intention to Use

0.894

0.934

0.826

IU1

0.941

IU2

0.867

IU3

0.917

Perceived Ease of Use

0.89

0.932

0.819

PEOU1

0.924

PEOU2

0.895

PEOU4

0.896

Perceived Usefulness

0.924

0.952

0.869

PU1

0.937

PU2

0.937

PU3

0.922

System Quality

0.816

0.915

0.844

SQ1

0.928

SQ2

0.909

Transaction Cost

0.811

0.885

0.720

TC1

0.875

TC2

0.804

TC3

0.865