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Table 2. Reliability measures Table 3. Fornell — Larcker criterion for discriminant validity

Table 2 Reliability measures Table 3. Fornell — Larcker criterion for discriminant validity

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y if they found it compatible with their lifestyle Shankar, 2016). In another study, perceived life- style compatibility was the most important factor affecting attitude and intention to adopt mobile banking in India (Chawla et al., 2017). Hence, it is hypothesized that:
y if they found it compatible with their lifestyle Shankar, 2016). In another study, perceived life- style compatibility was the most important factor affecting attitude and intention to adopt mobile banking in India (Chawla et al., 2017). Hence, it is hypothesized that:
Table 1. Demographic profile of respondents >». DATA ANALYSIS AND RESULTS
Table 1. Demographic profile of respondents >». DATA ANALYSIS AND RESULTS
Table 4. Outer loadings table Indicator reliability is given as the square of the measurement model’s outer loading, and an out- er loading of 0.7 and above indicates around 50% reliability (Henseler, Ringle, & Sarstedt, 2016). The outer loadings of the items of the measure- ment model are given in Table 4. It can be seen that seven items for attitude, three out of six items for perceived usefulness, four out of five items for perceived ease of use, three out of four items for security, three items for trust, three items for in- novativeness, six out of seven items for lifestyle compatibility, one item for social influence and five items for usage have an outer loading of at least 0.7, indicating good reliability.
Table 4. Outer loadings table Indicator reliability is given as the square of the measurement model’s outer loading, and an out- er loading of 0.7 and above indicates around 50% reliability (Henseler, Ringle, & Sarstedt, 2016). The outer loadings of the items of the measure- ment model are given in Table 4. It can be seen that seven items for attitude, three out of six items for perceived usefulness, four out of five items for perceived ease of use, three out of four items for security, three items for trust, three items for in- novativeness, six out of seven items for lifestyle compatibility, one item for social influence and five items for usage have an outer loading of at least 0.7, indicating good reliability.
Note: * significant at 0.05 level, ** significant at 0.01 level, *** significant at 0.001 level. Figure 2. Structural model
Note: * significant at 0.05 level, ** significant at 0.01 level, *** significant at 0.001 level. Figure 2. Structural model
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