| Behavioral Intention | Perceived Financial Risk | Perceived Privacy Risk | Perceived Psychological Risk | Activity Perceived Risk | |
| BI1 | 0.974 | −0.314 | −0.009 | −0.164 | 0.505 |
| BI2 | 0.975 | −0.326 | 0.003 | −0.155 | 0.522 |
| PFR1 | −0.388 | 0.867 | 0.224 | 0.215 | −0.272 |
| PFR3 | −0.195 | 0.886 | 0.329 | 0.174 | −0.170 |
| PPR1 | −0.081 | 0.309 | 0.896 | 0.438 | 0.056 |
| PPR2 | 0.001 | 0.307 | 0.932 | 0.348 | 0.054 |
| PPR3 | 0.083 | 0.236 | 0.872 | 0.307 | 0.153 |
| APR1 | 0.538 | −0.231 | 0.025 | 0.000 | 0.846 |
| APR2 | 0.460 | −0.212 | 0.105 | 0.087 | 0.894 |
| APR3 | 0.374 | −0.163 | 0.129 | 0.120 | 0.858 |
| APR4 | 0.362 | −0.230 | 0.075 | 0.084 | 0.765 |
| PSYR1 | −0.219 | 0.317 | 0.409 | 0.864 | −0.055 |
| PSYR2 | −0.131 | 0.135 | 0.318 | 0.933 | 0.123 |
| PSYR3 | −0.090 | 0.140 | 0.375 | 0.919 | 0.154 |