Constructs

Items

Outer loading

Cronbach’s Alpha

rho_A

Composite Reliability

Average Variance Extracted (AVE)

Use of E-banking

US1

0.904

0.885

0.891

0.929

0.813

US2

0.853

US3

0.946

Customer satisfaction

CS1

0.901

0.909

0.910

0.943

0.847

CS3

0.935

CS4

0.924

Perceived cost saving

PC1

0.910

0.896

0.896

0.935

0.827

PC2

0.931

PC4

0.888

Perceived time saving

PT1

0.920

0.919

0.924

0.949

0.860

PT3

0.942

PT4

0.921

Perceived personal information protection

PI1

0.909

0.781

0.782

0.901

0.821

PI2

0.903

Service quality

SQ1

0.858

0.901

0.903

0.927

0.718

SQ2

0.918

SQ3

0.870

SQ4

0.823

SQ5

0.760

Trust

TR2

0.787

0.807

0.824

0.886

0.723

TR3

0.855

TR4

0.904

Perceived transaction security

TS1

0.837

0.656

0.668

0.853

0.743

TS5

0.886

Usage continuance

UC1

0.920

0.906

0.906

0.941

0.842

UC3

0.899

UC4

0.933