Factor

index

Factor load

Perceived usefulness

1

.856

2

.856

3

.872

4

.888

Perceived ease of use

1

.746

2

.727

3

.747

Perceived risk

1

.845

2

.879

3

.856

4

.733

Social influence

1

.695

2

.757

3

.775

Personal innovation

1

.842

2

.794

Perceived value

1

.748

2

.718

Willing to use

1

.760