Cronbach’s Alpha

rho_A

Composite Reliability

Average Variance Extracted (AVE)

KS-SE

0.751

0.764

0.841

0.571

OKSB

0.764

0.769

0.842

0.517

PEOU

0.737

0.765

0.835

0.562

SE

0.712

0.776

0.819

0.537

SMCL

0.727

0.737

0.830

0.552