Factor

index

Factor load

Perceived usefulness

1

.783

2

.753

3

.819

4

.801

Perceived ease of use

1

.759

2

.715

3

.748

Perceived risk

1

.906

2

.905

3

.904

4

.905

Social influence

1

.707

2

.743

3

.853

Personal innovation

1

.826

2

.787

Perceived value

1

.763

2

.786

Willing to use

1

.744