Enjoyment of PNS activity

0.862

0.763

0.676

EPA1

0.751

EPA2

0.839

EPA3

0.871

Privacy Concern

0.909

0.868

0.715

PC1

0.859

PC2

0.846

PC3

0.884

PC4

0.789

Perceived Risk

0.788

0.628

0.559

PR1

0.833

PR2

0.799

PR3

0.586

Perceived value of smartphone PNS

0.899

0.860

0.642

PVSP1

0.807

PVSP2

0.886

PVSP3

0.854

PVSP4

0.751

PVSP5

0.692

Trust in advice acquired from smart phone PNS

0.906

0.872

0.659

TCASP1

0.833

TCASP2

0.858

TCASP3

0.772

TCASP4

0.767

TCASP5

0.826