Table 3 Results of factor loadings, validity, and reliability
Variables | Items | Loadings | Cronbach’s alpha | CR | AVE |
|---|---|---|---|---|---|
Perceived trust | PT1 | 0.849 | 0.834 | 0.847 | 0.654 |
PT2 | 0.879 | ||||
PT3 | 0.778 | ||||
Perceived security | PS1 | 0.838 | 0.903 | 0.905 | 0.705 |
PS2 | 0.849 | ||||
PS3 | 0.806 | ||||
PS4 | 0.744 | ||||
Task-technology fit | TTF1 | 0.864 | 0.898 | 0.900 | 0.751 |
TTF2 | 0.797 | ||||
TTF3 | 0.768 | ||||
Perceived ease of use | PEOU1 | 0.857 | 0.877 | 0.877 | 0.704 |
PEOU2 | 0.859 | ||||
PEOU3 | 0.805 | ||||
perceived usefulness | PU1 | 0.816 | 0.838 | 0.847 | 0.652 |
PU2 | 0.881 | ||||
PU3 | 0.841 | ||||
Behavioral intention to use BDA | BI1 | 0.778 | 0.909 | 0.911 | 0.773 |
BI2 | 0.796 | ||||
BI3 | 0.809 | ||||
Resistance to change | RTC1 | 0.939 | 0.962 | 0.962 | 0.864 |
RTC2 | 0.937 | ||||
RTC3 | 0.953 | ||||
RTC4 | 0.944 | ||||
Actual use of BDA | AU1 | 0.872 | 0.918 | 0.919 | 0.792 |
AU2 | 0.889 | ||||
AU3 | 0.879 |