Analysis of Factors Affecting Use Behavior towards Mobile Payment Apps: A SEM Approach

Table 3

Factor structure and reliability analysis.

Construct	Items codes	Factor loadings	AVE	Cronbach’s	CR
Performance expectancy	PE:1	0.924	0.764	0.928	0.928
	PE:2	0.871
	PE:3	0.839
	PE:4	0.859
Effort expectancy	EE:1	0.854	0.716	0.937	0.938
	EE:2	0.867
	EE:3	0.900
	EE:4	0.903
	EE:5	0.824
	EE:6	0.713
Social influence facilitating conditions	SI:1	0.857	0.587	0.809	0.808
	SI:2	0.703
	SI:3	0.730
	FC:1	0.835	0.692	0.898	0.899
	FC:2	0.845
	FC:3	0.897
	FC:4	0.741
Hedonic motivation	HM:1	0.808	0.733	0.89	0.891
	HM:2	0.954
	HM:3	0.797
Behavioral intention	BI:1	0.893	0.706	0.922	0.923
	BI:2	0.829
	BI:3	0.870
	BI:4	0.768
	BI:5	0.836
Use behavior	UB:1	0.907	0.739	0.918	0.919
	UB:2	0.839
	UB:3	0.877
	UB:4	0.811

.