threshold value 0.50. In addition to this the convergent validity is tested by means of calculating the standardized
loading of the measurements on the concepts and it is found that all measurements display standardized loading
exceeding 0.60 (see Table 3). Following this, the differentiation validity of measurements is tested. As Fornell
and Larcker (1981) states AVE value measured for each variable is higher than the hidden factor correlations (see
Table 4). It shows that the measurement meets the validity and reliability criteria.