Constructs

Items

Factors loading

AVE

Cronbach’s Alpha

C.R.

Perceived usefulness

PU1

PU2

PU3

PU4

PU5

0.624

0.717

0.684

0.964

0.824

0.791

0.6

0.842

0.898

Perceived ease of use

PUE1

PUE2

PUE3

PUE4

PUE5

0.743

0.654

0.765

0.957

0.62

0.811

0.864

Perceived risk

PR1

PR2

PR3

PR4

0.605

0.798

0.897

0.856

0.635

0.845

0.872

Perceived credibility

PC1

PC2

PC3

PC4

0.852

0.701

0.892

0.671

0.819

0.858

Adoption of e-banking

E-B1

E-B2

E-B3

E-B4

0.907

0.653

0.897

0.654

0.684

0.752

0.864