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Future Business Journal

Table 1 Construct reliability and validity

From: Effects of behavioural intention on usage behaviour of digital wallet: the mediating role of perceived risk and moderating role of perceived service quality and perceived trust

 

Items

Outer loading

Cronbach alpha

CR

AVE

Behavioural intention (BI)

[BI1] Using digital wallets improves the course of my daily life

0.865

0.805

0.885

0.721

 

[BI2] Using digital wallets in my everyday life increases my productivity

0.887

   
 

[BI3] Using digital wallets enhances the effectiveness of my daily life

0.792

   

Perceived compatibility (PC)

[PC1] Using digital wallets fit well with my lifestyle

0.708

0.777

0.871

0.695

 

[PC2] Using digital wallets does well with the way I like to purchase products and services

0.897

   
 

[PC3] I would appreciate using digital wallets instead of traditional modes of payment

0.882

   

Perceived ease of use (PEU)

[PEU1] The payment process with mobile apps is clear and understandable

0.785

0.853

0.901

0.694

 

[PEU2] The payment process with mobile apps does not require a lot of mental effort

0.818

   
 

[PEU3] I find it convenient to pay digitally

0.868

   
 

[PEU4] It is easy to follow all the steps to using the mobile payment system

0.859

   

Perceived risk (PR)

[PR1] There is a risk of losing money or making unintended purchases when using a digital wallet

0.894

0.893

0.933

0.824

 

[PR2] I am concerned about the reliability and security of the technology behind digital wallets

0.918

   
 

[PR3] Using a digital wallet may lead to errors or mistakes that could negatively impact my finances

0.910

   

Perceived social influence (PSR)

[PSI1] People who are important to me think that I should use digital wallets

0.918

0.885

0.928

0.811

 

[PSI2] People who influence my behaviour think that I should use digital wallets

0.892

   
 

[PSI3] People whose opinions I value prefer that I should use digital wallets

0.892

   

Perceived service quality (PSQ)

[PSQ1] Digital wallet payment service provider anticipates and responds promptly to my needs as a user

0.740

0.716

0.821

0.606

 

[PSQ2] Digital Wallet meets my expectations

0.740

   
 

[PSQ3] Digital wallet instils confidence in users by reducing uncertainty

0.850

   

Perceived trust (PT)

[PT1] I think that Alipay will keep its promises and commitments

0.826

0.873

0.911

0.720

 

[PT2] Digital wallet is trustworthy

0.835

   
 

[PT3] I would consider digital wallet to be honest

0.874

   
 

[PT4] I think that digital wallet is responsible

0.860

   

Perceived usefulness (PU)

[PU1] Using digital wallets improves the course of my daily life

0.883

0.765

0.863

0.679

 

[PU2] Using digital wallets in my everyday life increases my productivity

0.799

   
 

[PU3] Using digital wallets enhances the effectiveness of my daily life

0.787

   

Usage behaviour of digital wallet (UBDW)

[UBDW1] I will frequently use the digital wallets platform

0.928

0.836

0.924

0.859

 

[UBDW2] I will continue to use my digital wallets apps

0.926

   
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