Constructs

Indicators

Kurtosis

Skewness

Perceived usefulness

PU1

2.411

−0.236

PU2

2.589

−0.978

PU3

1.926

−0.092

PU4

1.739

−0.839

PU5

1.634

−0.582

Perceived ease of use

PUE1

4.107

−1.824

PUE2

3.325

−0.742

PUE3

3.562

−0.389

PUE4

2.541

−0.234

PUE5

3.107

−0.725

Perceived risk

PR1

2.943

−0.698

PR2

2.768

−1.578

PR3

2.395

−0.489

PR4

4.234

−1.223

Perceived credibility

PC1

3.424

−1.138

PC2

2.684

−0.939

PC3

4.205

−1.429

PC4

4.837

−1.309

Adoption of e-banking

E-B1

2.757

−0.848

E-B2

5.735

−1.006

E-B3

5.025

−1.000

E-B4

3.987

−0.432