Determinants of Customer Loyalty toward Mobile Wallet Services in Post-COVID-19: The Moderating Role of Trust

Table 3

Validity examination.

Variables	PU	PEOU	SQ	P&S	Trust	CL	AVE
PU	0.796						0.634
PEOU	0.439	0.840					0.706
SQ	0.691	0.414	0.797				0.636
P&S	0.723	0.447	0.714	0.805			0.648
Trust	0.775	0.455	0.721	0.725	0.786		0.618
CL	0.711	0.414	0.713	0.763	0.766	0.729	0.532

Notes: √AVE are presented in bold. PU = perceived usefulness, PEOU = perceived ease of use, SQ = service quality, P&S = privacy and security, and CL = customer loyalty.