Purification
The correlation score of each inter item was estimated for each factor and the score
which was less than 0.5 was deleted. The inter correlation items pertaining to service
quality were less than .5 and all items were deleted. The retained items in system
quality are 4, information quality are 5, perceived security are 5, intension to use are 4,
user satisfaction are 4 and net benefits are 4. Finally, 26 items were selected for further
analysis. The scale purification is performed using Exploratory Factor Analysis (EFA)
and further substantiated by Confirmatory Factor Analysis. Exploratory Factor Analysis
was performed with principal component method of factoring with Varimax rotation with
the 6-factor loading to be extracted in using IBM SPSS - 21. A 6-factor model was
estimated.