Variable

Item

number

Factor

Loading

Common Factor

variance

Total variance explained

Perceived ease of use

PE2

0.96

0.92

87.98%

PE1

0.94

0.88

PE3

0.92

0.84

PE4

0.94

0.88

Perceived risk

FR1

0.81

0.65

72.63%

FR2

0.86

0.74

FR3

0.82

0.66

PR1

0.91

0.82

PR2

0.87

0.76

Consumer innovativeness

PI4

0.84

0.89

72.62%

PI3

0.84

0.88

PI2

0.81

0.86

PI1

0.76

0.77

Perceived usefulness

PU2

0.85

0.89

76.94%

PU1

0.82

0.91

PU4

0.71

0.88

PU3

0.60

0.83

Subjective norm

SN1

0.65

0.81

72.97%

SN2

0.71

0.85

SN3

0.80

0.89

SN4

0.76

0.87

Usage Intention

BI1

0.92

0.84

85.62%

BI2

0.95

0.90

BI3

0.91

0.83