Construct

AVE

Composite reliability

Cronbach’s alpha

Behavioral Intention

0.950

0.974

0.947

Perceived Financial Risk

0.769

0.869

0.700

Perceived Privacy Risk

0.810

0.928

0.883

Perceived Psychological Risk

0.821

0.932

0.890

Activity Perceived Risk

0.709

0.907

0.864