Comparison of Factors Loading

Construct

Modified Measurement Model

Structural Model

AT1

Advancement of Technology

0.570

0.570

AT2

Advancement of Technology

0.419

0.419

AT3

Advancement of Technology

0.522

0.522

AT4

Advancement of Technology

0.510

0.510

AT5

Advancement of Technology

0.662

0.662

UE1

User Expectation

0.615

0.615

UE2

User Expectation

0.640

0.640

UE3

User Expectation

0.516

0.516

UE4

User Expectation

0.610

0.610

UE5

User Expectation

0.611

0.611

CP1

Competitive Pressure

0.654

0.654

CP2

Competitive Pressure

0.648

0.648

CP3

Competitive Pressure

0.579

0.579

CP4

Competitive Pressure

0.666

0.666

CP5

Competitive Pressure

0.604

0.604

PU2

Perceived Ease of Use

0.431

0.431

PU3

Perceived Ease of Use

0.634

0.634

PU4

Perceived Ease of Use

0.808

0.808

PU5

Perceived Ease of Use

0.769

0.769

DD1

Continuous Digital Disruption

0.699

0.699

DD2

Continuous Digital Disruption

0.663

0.663

DD3

Continuous Digital Disruption

0.522

0.522

DD4

Continuous Digital Disruption

0.709

0.709

DD5

Continuous Digital Disruption

0.672

0.672