| Construct Factor loading | Cronbach’s alpha | Composite reliability (CR) | Average variance extracted (AVE) |
PU | 0.910 | 0.974 | 0.9746 | 0.8275 |
PEU | 0.921 | 0.966 | 0.9655 | 0.8485 |
EC | 0.914 | 0.950 | 0.9382 | 0.8351 |
SN | 0.906 | 0.932 | 0.9322 | 0.821 |
US | 0.911 | 0.954 | 0.951 | 0.8291 |
CIU | 0.904 | 0.954 | 0.9469 | 0.8168 |