Contents

No of items

CR

Cronbach’s

Alpha (α)

AVE

Ease of use

4

0.963**

0.929**

0.86

Usefulness

4

0.933**

0.871**

0.75

Security

4

0.843**

0.711**

0.50

Trust

4

0.864**

0.748**

0.55

Convenience

3

0.887**

0.788**

0.62

mobility

3

0.862**

0.744**

0.55

Economizing

4

0.913**

0.835**

0.69

Use of mobile payment

5

0.884**

0.783**

0.61

Use of automated teller machine

7

0.882**

0.778**

0.60