Page 532 - ISC PROCEEDINGS 21.4

Table 2. EFA Results for Independent Variables
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .879
Bartlett's Test of Sphericity Approx. Chi-Square 5196.678

Df 300
Sig. .000
Source: Author’s analysis from SPSS
The rotated component matrix results indicate that the observed variables are
clearly grouped into six distinct factors, consistent with the initially proposed research
model. All factor loadings exceed 0.65, surpassing the recommended minimum threshold
of 0.5 in quantitative research, demonstrating strong convergent validity of the observed
variables with their respective constructs.
The Social Influence (SI) variables load strongly onto the first factor, with
coefficients ranging from 0.683 to 0.807. The Perceived Usefulness (PU) construct
converges onto the second factor with very high loadings, ranging from 0.869 to 0.891,
indicating strong representation of the observed variables for this construct. The third
factor corresponds to Perceived Ease of Use (PEOU), with loadings between 0.654 and
0.759, satisfying the requirement for convergent validity. The Perceived Value (PV)
variables cluster onto the fourth factor, with loadings ranging from 0.762 to 0.805. The
fifth factor represents Perceived Security (SP), with loadings between 0.736 and 0.838.
Finally, the Trust in Service Providers (TR) construct converges onto the sixth factor, with
very high loadings ranging from 0.875 to 0.884.
Notably, no significant cross-loadings are observed among the factors, indicating
strong discriminant validity of the measurement scales. These findings confirm that the
measurement structure is consistent with the proposed theoretical model, and no
observed variables need to be removed at the EFA stage. Therefore, the constructs in the
research model are validated in terms of both convergent and discriminant validity,
providing a solid foundation for subsequent regression analysis to test the research
hypotheses.
Table 3. Results of rotated factor loadings for independent variables
Factor 1 2 3 4 5 6
SI4 0.807
SI3 0.805
SI5 0.787
SI2 0.729
SI1 0.683
PU3 0.891
PU2 0.891
PU4 0.876
PU1 0.869
PEOU4 0.759
PEOU2 0.731
PEOU5 0.718
PEOU3 0.679
PEOU1 0.654
PV1 0.805

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