Note: 1. PER: Performance risk; 2. PSR: Psychological risk; 3. SOR: Social risk; 4. FIR: Financial risk; 5. OPR: Online payment risk; 6. DER: Delivery risk; 7. TR: Trust; 8. PI: Purchase intention; 9. GEN: Gender; 10. AGE: Age; 11. IUH:
Internet usage hour; 12. ISF: Internet shopping frequency.
The principal diagonal (in boldface) of the inter-correlation matrix represents the square root of the average variance extracted (AVE) per construct.
Control variables include gender, age, Internet usage hour (IUH), and Internet shopping frequency (ISF).