Submitted:
18 April 2023
Posted:
19 April 2023
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Abstract
Keywords:
1. Introduction
2. Literature Review
3. Theoretical Framework and Methodology
3.1. Theoretical Framework
3.2. Research methodology

4. Results
4.1. Scale Reliability Evaluation
| Items | PEU | PE | TB | PU | ATU | CE | ITU | |
|---|---|---|---|---|---|---|---|---|
| Cronbach's Alpha | 0.851 | 0.763 | 0.805 | 0.802 | 0.785 | 0.837 | 0,866 | Total |
| Number of inspection observations | 05 | 03 | 04 | 04 | 03 | 05 | 05 | 29 |
| The number of observations accepted | 05 | 03 | 04 | 04 | 03 | 05 | 05 | 29 |
| Number of observations removed | 00 | 00 | 00 | 00 | 00 | 00 | 00 | 00 |
| Items | Factor | Cronbach’s Alpha | ||||||
|---|---|---|---|---|---|---|---|---|
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | ||
| Perceived ease of use(PEU) | 0.851 | |||||||
| PEU4 | 0.862 | 0.813 | ||||||
| PEU5 | 0.767 | 0.825 | ||||||
| PEU2 | 0.709 | 0.815 | ||||||
| PEU1 | 0.645 | 0.822 | ||||||
| PEU3 | 0.625 | 0.828 | ||||||
| Convenience(CE) | 0.837 | |||||||
| CE2 | 0.786 | 0.795 | ||||||
| CE3 | 0.723 | 0.802 | ||||||
| CE4 | 0.720 | 0.797 | ||||||
| CE1 | 0.676 | 0.809 | ||||||
| CE5 | 0.609 | 0.816 | ||||||
| The intention to use(ITU) | 0.866 | |||||||
| ITU3 | 0.839 | 0.833 | ||||||
| ITU2 | 0.716 | 0.842 | ||||||
| ITU5 | 0.709 | 0.829 | ||||||
| ITU1 | 0.655 | 0.838 | ||||||
| ITU4 | 0.533 | 0.845 | ||||||
| Technical barriers(TB) | 0.805 | |||||||
| TB3 | 0.753 | 0.761 | ||||||
| TB4 | 0.736 | 0.744 | ||||||
| TB1 | 0.672 | 0.753 | ||||||
| TB2 | 0.619 | 0.764 | ||||||
| Perceived usefulness(PU) | 0.802 | |||||||
| PU3 | 0.748 | 0.738 | ||||||
| PU4 | 0.713 | 0.758 | ||||||
| PU1 | 0.695 | 0.759 | ||||||
| PU2 | 0.678 | 0.755 | ||||||
| Perceived effectiveness(PE) | 0.763 | |||||||
| PE2 | 0.732 | 0.664 | ||||||
| PE1 | 0.698 | 0.688 | ||||||
| PE3 | 0.680 | 0.695 | ||||||
| Attitude to use (ATU) | 0.785 | |||||||
| ATU3 | 0.736 | 0.680 | ||||||
| ATU1 | 0.701 | 0.715 | ||||||
| ATU2 | 0.665 | 0.731 | ||||||
| Kaiser-Meyer-Olkin (KMO) Measure of Sampling Adequacy | 0.901 | |||||||
| Sig. (Bartlett’s Test of Sphericity) | 0.000 | |||||||
| Cumulative (%) | 65.100 | |||||||
| The Value of Initial Eigenvalue | 1.101 | |||||||
4.2. Exploratory Factor Analysis (EFA)
| KMO and Bartlett's Test | ||
|---|---|---|
| Kaiser-Meyer-Olkin Measure of Sampling Adequacy. | 901 | |
| Bartlett's Test of Sphericity | Approx. Chi-Square | 6253,089 |
| df | 406 | |
| Sig. | 0.000 | |
4.3. Confirmatory Factor Analysis (CFA)
| CMIN/DF | CFI | TLI | RMSEA |
|---|---|---|---|
| 1.852 | 949 | 0.942 | 0.042 |
| CR | AVE | MSV | MaxR(H) | CE | PEU | TB | ITU | ATU | PU | PE | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| CE | 0.838 | 0.51 | 0.366 | 0.84 | 0.714 | ||||||
| PEU | 0.852 | 0.535 | 0.306 | 0.853 | 0.343*** | 0.732 | |||||
| TB | 0.805 | 0.509 | 0.356 | 0.807 | 0.391*** | 0.372*** | 0.713 | ||||
| ITU | 0.866 | 0.565 | 0.402 | 0.868 | 0.605*** | 0.553*** | 0.597*** | 0.751 | |||
| ATU | 0.786 | 0.551 | 0.362 | 0.792 | 0.559*** | 0.199*** | 0.537*** | 0.602*** | 0.742 | ||
| PU | 0.802 | 0.504 | 0.133 | 0.804 | 0.364*** | 0.269*** | 0.197*** | 0.363*** | 0.169** | 0.71 | |
| PE | 0.764 | 0.519 | 0.402 | 0.766 | 0.313*** | 0.509*** | 0.499*** | 0.634*** | 0.434*** | 0.229*** | 0.72 |
4.4. Structural Equation Modeling Analysis (SEM)

| Relationship | Unstandardized | Normalizations | Standard error | p-value | ||
|---|---|---|---|---|---|---|
| ATU | <--- | PEU | 296 | 259 | 0.063 | *** |
| PU | <--- | PEU | 0.196 | .216 | .061 | 0.001 |
| PEU | <--- | PE | 116 | 129 | 0.063 | 0.064 |
| ITU | <--- | PE | 0.293 | 273 | 0.063 | *** |
| ITU | <--- | PEU | 223. | 206 | 0.057 | *** |
| ITU | <--- | TB | 196 | -0.179 | 0.056 | *** |
| ITU | <--- | CE | 257 | .256 | 047 | *** |
| ITU | <--- | ATU | 235 | 249 | 041: | *** |
| ITU | <--- | PU | 123 | 103 | 0.05 | 0.013 |
5. Discussion
6. Conclusion and Recommendation
For Economics Universities
For the Students
Author Contributions
Funding
References
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