“…Examining the discriminant validity of constructs, we established six nested confirmatory factor analytic models based on the research model and compared their fits to the data [36]. Model 1 was a six-factor model treating each of the variables as separate factors; model 2 was a five-factor model treating performance expectancy and effort expectancy as the first factor, treating social influence as the second factor, treating attitude toward using technology as the third factor, treating behavioral intention as the fourth factor, and treating usage behavior as the fifth factor; model 3 was a four-factor model treating performance expectancy, effort expectancy, and social influence as the first factor, treating attitude toward using technology as the second factor, treating behavioral intention as the third factor, and treating usage behavior as the fourth factor; model 4 was a three-factor model treating performance expectancy, effort expectancy, social influence, and attitude toward using technology as the first factor, treating behavioral intention as the second factor, and treating usage behavior as the third factor; model 5 was a two-factor model treating performance expectancy, effort expectancy, social influence, attitude toward using technology, and behavioral intention as the first factor, and treating usage behavior as the second factor; and model 6 was a one-factor model treating all six factors as one factor.…”