Opis varijabli

Likert skala

Zvjezdica oznake za p-vrijednosti

Frekvencije varijable Q1

Frekvencije varijable Q4

Frekvencije varijable Q8

Frekvencije varijable Q5

Frekvencije varijable Q3

Frekvencije varijable Q7

Dendrogram

Sličnost varijabli sa sintetičkom varijablom klastera

Call:
cutreevar(obj = tree, k = 3, matsim = TRUE)



Data: 
   number of observations:  53
   number of variables:  19
   number of clusters:  3

Cluster  1 : 
        squared loading correlation
UTAUT_9            0.98          NA
UTAUT_8            0.98          NA
LDBDP_5            0.98          NA
UTAUT_7            0.98          NA
UTAUT_3            0.98          NA
UTAUT_2            0.59          NA
UTAUT_1            0.59          NA


Cluster  2 : 
         squared loading correlation
LDBDP_7             0.68          NA
LDBDP_6             0.55          NA
UTAUT_5             0.53          NA
UTAUT_10            0.47          NA
LDBDP_4             0.43          NA
UTAUT_11            0.42          NA
UTAUT_6             0.32          NA
LDBDP_8             0.31          NA
LDBDP_1             0.27          NA
UTAUT_4             0.18          NA


Cluster  3 : 
        squared loading correlation
LDBDP_2               1          NA
LDBDP_3               1          NA


Gain in cohesion (in %):  35.76

Sličnost varijabli unutar klastera

$cluster1
        UTAUT_1 UTAUT_2 UTAUT_3 UTAUT_7 UTAUT_8 UTAUT_9 LDBDP_5
UTAUT_1    1.00    0.45    0.50    0.54    0.53    0.53    0.63
UTAUT_2    0.45    1.00    0.54    0.53    0.53    0.66    0.50
UTAUT_3    0.50    0.54    1.00    1.00    1.00    1.00    1.00
UTAUT_7    0.54    0.53    1.00    1.00    1.00    1.00    1.00
UTAUT_8    0.53    0.53    1.00    1.00    1.00    1.00    1.00
UTAUT_9    0.53    0.66    1.00    1.00    1.00    1.00    1.00
LDBDP_5    0.63    0.50    1.00    1.00    1.00    1.00    1.00

$cluster2
         UTAUT_4 UTAUT_5 UTAUT_6 UTAUT_10 UTAUT_11 LDBDP_1 LDBDP_4 LDBDP_6 LDBDP_7 LDBDP_8
UTAUT_4    1.000   0.357    0.14    0.131     0.12   0.199   0.041    0.22    0.14   0.170
UTAUT_5    0.357   1.000    0.23    0.278     0.16   0.062   0.213    0.27    0.30   0.097
UTAUT_6    0.141   0.230    1.00    0.306     0.19   0.105   0.344    0.24    0.20   0.160
UTAUT_10   0.131   0.278    0.31    1.000     0.32   0.165   0.069    0.20    0.18   0.170
UTAUT_11   0.124   0.161    0.19    0.316     1.00   0.286   0.110    0.25    0.20   0.172
LDBDP_1    0.199   0.062    0.11    0.165     0.29   1.000   0.202    0.16    0.23   0.183
LDBDP_4    0.041   0.213    0.34    0.069     0.11   0.202   1.000    0.20    0.34   0.063
LDBDP_6    0.215   0.267    0.24    0.199     0.25   0.158   0.202    1.00    0.52   0.187
LDBDP_7    0.138   0.299    0.20    0.178     0.20   0.227   0.335    0.52    1.00   0.175
LDBDP_8    0.170   0.097    0.16    0.170     0.17   0.183   0.063    0.19    0.18   1.000

$cluster3
        LDBDP_2 LDBDP_3
LDBDP_2       1       1
LDBDP_3       1       1

Homogenost klastera

cluster1 cluster2 cluster3 
    6.08     4.16     2.00 

Sličnost varijabli sa sintetičkom varijablom klastera

Call:
cutreevar(obj = tree, k = 4, matsim = TRUE)



Data: 
   number of observations:  53
   number of variables:  19
   number of clusters:  4

Cluster  1 : 
        squared loading correlation
UTAUT_9            0.98          NA
UTAUT_8            0.98          NA
LDBDP_5            0.98          NA
UTAUT_7            0.98          NA
UTAUT_3            0.98          NA
UTAUT_2            0.59          NA
UTAUT_1            0.59          NA


Cluster  2 : 
        squared loading correlation
LDBDP_7            0.73          NA
LDBDP_6            0.63          NA
UTAUT_5            0.58          NA
UTAUT_6            0.47          NA
LDBDP_4            0.45          NA
UTAUT_4            0.28          NA


Cluster  3 : 
         squared loading correlation
UTAUT_11            0.68          NA
UTAUT_10            0.60          NA
LDBDP_1             0.51          NA
LDBDP_8             0.42          NA


Cluster  4 : 
        squared loading correlation
LDBDP_2               1          NA
LDBDP_3               1          NA


Gain in cohesion (in %):  47.1

Sličnost varijabli unutar klastera

$cluster1
        UTAUT_1 UTAUT_2 UTAUT_3 UTAUT_7 UTAUT_8 UTAUT_9 LDBDP_5
UTAUT_1    1.00    0.45    0.50    0.54    0.53    0.53    0.63
UTAUT_2    0.45    1.00    0.54    0.53    0.53    0.66    0.50
UTAUT_3    0.50    0.54    1.00    1.00    1.00    1.00    1.00
UTAUT_7    0.54    0.53    1.00    1.00    1.00    1.00    1.00
UTAUT_8    0.53    0.53    1.00    1.00    1.00    1.00    1.00
UTAUT_9    0.53    0.66    1.00    1.00    1.00    1.00    1.00
LDBDP_5    0.63    0.50    1.00    1.00    1.00    1.00    1.00

$cluster2
        UTAUT_4 UTAUT_5 UTAUT_6 LDBDP_4 LDBDP_6 LDBDP_7
UTAUT_4   1.000    0.36    0.14   0.041    0.22    0.14
UTAUT_5   0.357    1.00    0.23   0.213    0.27    0.30
UTAUT_6   0.141    0.23    1.00   0.344    0.24    0.20
LDBDP_4   0.041    0.21    0.34   1.000    0.20    0.34
LDBDP_6   0.215    0.27    0.24   0.202    1.00    0.52
LDBDP_7   0.138    0.30    0.20   0.335    0.52    1.00

$cluster3
         UTAUT_10 UTAUT_11 LDBDP_1 LDBDP_8
UTAUT_10     1.00     0.32    0.16    0.17
UTAUT_11     0.32     1.00    0.29    0.17
LDBDP_1      0.16     0.29    1.00    0.18
LDBDP_8      0.17     0.17    0.18    1.00

$cluster4
        LDBDP_2 LDBDP_3
LDBDP_2       1       1
LDBDP_3       1       1

Homogenost klastera

cluster1 cluster2 cluster3 cluster4 
    6.08     3.14     2.21     2.00 

Sličnost varijabli sa sintetičkom varijablom klastera

Call:
cutreevar(obj = tree, k = 5, matsim = TRUE)



Data: 
   number of observations:  53
   number of variables:  19
   number of clusters:  5

Cluster  1 : 
        squared loading correlation
UTAUT_9            0.98          NA
UTAUT_8            0.98          NA
LDBDP_5            0.98          NA
UTAUT_7            0.98          NA
UTAUT_3            0.98          NA
UTAUT_2            0.59          NA
UTAUT_1            0.59          NA


Cluster  2 : 
        squared loading correlation
UTAUT_4             0.8          NA
UTAUT_5             0.8          NA


Cluster  3 : 
        squared loading correlation
LDBDP_7            0.74          NA
LDBDP_6            0.64          NA
LDBDP_4            0.60          NA
UTAUT_6            0.58          NA


Cluster  4 : 
         squared loading correlation
UTAUT_11            0.68          NA
UTAUT_10            0.60          NA
LDBDP_1             0.51          NA
LDBDP_8             0.42          NA


Cluster  5 : 
        squared loading correlation
LDBDP_2               1          NA
LDBDP_3               1          NA


Gain in cohesion (in %):  56.7

Sličnost varijabli unutar klastera

$cluster1
        UTAUT_1 UTAUT_2 UTAUT_3 UTAUT_7 UTAUT_8 UTAUT_9 LDBDP_5
UTAUT_1    1.00    0.45    0.50    0.54    0.53    0.53    0.63
UTAUT_2    0.45    1.00    0.54    0.53    0.53    0.66    0.50
UTAUT_3    0.50    0.54    1.00    1.00    1.00    1.00    1.00
UTAUT_7    0.54    0.53    1.00    1.00    1.00    1.00    1.00
UTAUT_8    0.53    0.53    1.00    1.00    1.00    1.00    1.00
UTAUT_9    0.53    0.66    1.00    1.00    1.00    1.00    1.00
LDBDP_5    0.63    0.50    1.00    1.00    1.00    1.00    1.00

$cluster2
        UTAUT_4 UTAUT_5
UTAUT_4    1.00    0.36
UTAUT_5    0.36    1.00

$cluster3
        UTAUT_6 LDBDP_4 LDBDP_6 LDBDP_7
UTAUT_6    1.00    0.34    0.24    0.20
LDBDP_4    0.34    1.00    0.20    0.34
LDBDP_6    0.24    0.20    1.00    0.52
LDBDP_7    0.20    0.34    0.52    1.00

$cluster4
         UTAUT_10 UTAUT_11 LDBDP_1 LDBDP_8
UTAUT_10     1.00     0.32    0.16    0.17
UTAUT_11     0.32     1.00    0.29    0.17
LDBDP_1      0.16     0.29    1.00    0.18
LDBDP_8      0.17     0.17    0.18    1.00

$cluster5
        LDBDP_2 LDBDP_3
LDBDP_2       1       1
LDBDP_3       1       1

Homogenost klastera

cluster1 cluster2 cluster3 cluster4 cluster5 
    6.08     1.60     2.56     2.21     2.00 

Sličnost varijabli sa sintetičkom varijablom klastera

Call:
cutreevar(obj = tree, k = 6, matsim = TRUE)



Data: 
   number of observations:  53
   number of variables:  19
   number of clusters:  6

Cluster  1 : 
        squared loading correlation
UTAUT_9            0.98          NA
UTAUT_8            0.98          NA
LDBDP_5            0.98          NA
UTAUT_7            0.98          NA
UTAUT_3            0.98          NA
UTAUT_2            0.59          NA
UTAUT_1            0.59          NA


Cluster  2 : 
        squared loading correlation
UTAUT_4             0.8          NA
UTAUT_5             0.8          NA


Cluster  3 : 
        squared loading correlation
LDBDP_7            0.74          NA
LDBDP_6            0.64          NA
LDBDP_4            0.60          NA
UTAUT_6            0.58          NA


Cluster  4 : 
         squared loading correlation
UTAUT_10            0.78          NA
UTAUT_11            0.78          NA


Cluster  5 : 
        squared loading correlation
LDBDP_1            0.71          NA
LDBDP_8            0.71          NA


Cluster  6 : 
        squared loading correlation
LDBDP_2               1          NA
LDBDP_3               1          NA


Gain in cohesion (in %):  64.12

Sličnost varijabli unutar klastera

$cluster1
        UTAUT_1 UTAUT_2 UTAUT_3 UTAUT_7 UTAUT_8 UTAUT_9 LDBDP_5
UTAUT_1    1.00    0.45    0.50    0.54    0.53    0.53    0.63
UTAUT_2    0.45    1.00    0.54    0.53    0.53    0.66    0.50
UTAUT_3    0.50    0.54    1.00    1.00    1.00    1.00    1.00
UTAUT_7    0.54    0.53    1.00    1.00    1.00    1.00    1.00
UTAUT_8    0.53    0.53    1.00    1.00    1.00    1.00    1.00
UTAUT_9    0.53    0.66    1.00    1.00    1.00    1.00    1.00
LDBDP_5    0.63    0.50    1.00    1.00    1.00    1.00    1.00

$cluster2
        UTAUT_4 UTAUT_5
UTAUT_4    1.00    0.36
UTAUT_5    0.36    1.00

$cluster3
        UTAUT_6 LDBDP_4 LDBDP_6 LDBDP_7
UTAUT_6    1.00    0.34    0.24    0.20
LDBDP_4    0.34    1.00    0.20    0.34
LDBDP_6    0.24    0.20    1.00    0.52
LDBDP_7    0.20    0.34    0.52    1.00

$cluster4
         UTAUT_10 UTAUT_11
UTAUT_10     1.00     0.32
UTAUT_11     0.32     1.00

$cluster5
        LDBDP_1 LDBDP_8
LDBDP_1    1.00    0.18
LDBDP_8    0.18    1.00

$cluster6
        LDBDP_2 LDBDP_3
LDBDP_2       1       1
LDBDP_3       1       1

Homogenost klastera

cluster1 cluster2 cluster3 cluster4 cluster5 cluster6 
    6.08     1.60     2.56     1.56     1.43     2.00 

Sličnost varijabli sa sintetičkom varijablom klastera

Call:
cutreevar(obj = tree, k = 7, matsim = TRUE)



Data: 
   number of observations:  53
   number of variables:  19
   number of clusters:  7

Cluster  1 : 
        squared loading correlation
UTAUT_9            0.98          NA
UTAUT_8            0.98          NA
LDBDP_5            0.98          NA
UTAUT_7            0.98          NA
UTAUT_3            0.98          NA
UTAUT_2            0.59          NA
UTAUT_1            0.59          NA


Cluster  2 : 
        squared loading correlation
UTAUT_4             0.8          NA
UTAUT_5             0.8          NA


Cluster  3 : 
        squared loading correlation
UTAUT_6            0.79          NA
LDBDP_4            0.79          NA


Cluster  4 : 
         squared loading correlation
UTAUT_10            0.78          NA
UTAUT_11            0.78          NA


Cluster  5 : 
        squared loading correlation
LDBDP_1            0.71          NA
LDBDP_8            0.71          NA


Cluster  6 : 
        squared loading correlation
LDBDP_2               1          NA
LDBDP_3               1          NA


Cluster  7 : 
        squared loading correlation
LDBDP_6            0.86          NA
LDBDP_7            0.86          NA


Gain in cohesion (in %):  71.26

Sličnost varijabli unutar klastera

$cluster1
        UTAUT_1 UTAUT_2 UTAUT_3 UTAUT_7 UTAUT_8 UTAUT_9 LDBDP_5
UTAUT_1    1.00    0.45    0.50    0.54    0.53    0.53    0.63
UTAUT_2    0.45    1.00    0.54    0.53    0.53    0.66    0.50
UTAUT_3    0.50    0.54    1.00    1.00    1.00    1.00    1.00
UTAUT_7    0.54    0.53    1.00    1.00    1.00    1.00    1.00
UTAUT_8    0.53    0.53    1.00    1.00    1.00    1.00    1.00
UTAUT_9    0.53    0.66    1.00    1.00    1.00    1.00    1.00
LDBDP_5    0.63    0.50    1.00    1.00    1.00    1.00    1.00

$cluster2
        UTAUT_4 UTAUT_5
UTAUT_4    1.00    0.36
UTAUT_5    0.36    1.00

$cluster3
        UTAUT_6 LDBDP_4
UTAUT_6    1.00    0.34
LDBDP_4    0.34    1.00

$cluster4
         UTAUT_10 UTAUT_11
UTAUT_10     1.00     0.32
UTAUT_11     0.32     1.00

$cluster5
        LDBDP_1 LDBDP_8
LDBDP_1    1.00    0.18
LDBDP_8    0.18    1.00

$cluster6
        LDBDP_2 LDBDP_3
LDBDP_2       1       1
LDBDP_3       1       1

$cluster7
        LDBDP_6 LDBDP_7
LDBDP_6    1.00    0.52
LDBDP_7    0.52    1.00

Homogenost klastera

cluster1 cluster2 cluster3 cluster4 cluster5 cluster6 cluster7 
    6.08     1.60     1.59     1.56     1.43     2.00     1.72 

Cronbach alpha

Reliability analysis   
Call: psych::alpha(x = BDP_kor, check.keys = TRUE)

  raw_alpha std.alpha G6(smc) average_r S/N   ase mean   sd median_r
       0.8      0.86    0.92      0.25 6.4 0.041  3.8 0.43     0.26

    95% confidence boundaries 
         lower alpha upper
Feldt     0.71   0.8  0.87
Duhachek  0.72   0.8  0.88

 Reliability if an item is dropped:
         raw_alpha std.alpha G6(smc) average_r S/N alpha se var.r med.r
UTAUT_1       0.79      0.85    0.91      0.24 5.7    0.044 0.037  0.25
UTAUT_2       0.79      0.85    0.91      0.25 5.9    0.044 0.038  0.26
UTAUT_3       0.78      0.85    0.91      0.24 5.7    0.045 0.039  0.25
UTAUT_4-      0.80      0.86    0.92      0.26 6.4    0.041 0.038  0.29
UTAUT_5       0.77      0.85    0.91      0.24 5.7    0.047 0.037  0.25
UTAUT_6-      0.84      0.87    0.92      0.28 6.9    0.031 0.032  0.29
UTAUT_7       0.82      0.87    0.92      0.27 6.5    0.036 0.036  0.28
UTAUT_8       0.79      0.86    0.91      0.25 6.1    0.044 0.037  0.26
UTAUT_9       0.78      0.85    0.91      0.24 5.7    0.046 0.036  0.26
UTAUT_10      0.78      0.85    0.91      0.24 5.8    0.046 0.039  0.24
UTAUT_11      0.79      0.85    0.91      0.25 5.9    0.044 0.039  0.26
LDBDP_1       0.79      0.86    0.92      0.25 6.1    0.043 0.039  0.26
LDBDP_2       0.80      0.87    0.92      0.27 6.7    0.041 0.035  0.29
LDBDP_3       0.80      0.86    0.92      0.26 6.4    0.041 0.038  0.29
LDBDP_4       0.79      0.85    0.91      0.25 5.9    0.043 0.038  0.26
LDBDP_5       0.78      0.85    0.91      0.24 5.5    0.046 0.035  0.24
LDBDP_6       0.79      0.86    0.91      0.25 6.0    0.044 0.037  0.26
LDBDP_7       0.78      0.85    0.91      0.24 5.7    0.045 0.036  0.24
LDBDP_8       0.79      0.86    0.92      0.25 6.0    0.043 0.040  0.26

 Item statistics 
          n raw.r std.r r.cor r.drop mean   sd
UTAUT_1  53  0.65  0.70 0.696  0.607  4.3 0.54
UTAUT_2  53  0.57  0.60 0.591  0.503  3.8 0.72
UTAUT_3  53  0.67  0.68 0.663  0.623  4.0 0.71
UTAUT_4- 53  0.42  0.38 0.344  0.290  1.6 1.23
UTAUT_5  53  0.72  0.70 0.707  0.653  3.8 0.93
UTAUT_6- 53  0.21  0.13 0.074 -0.008  3.0 1.78
UTAUT_7  53  0.37  0.32 0.282  0.166  2.2 1.71
UTAUT_8  53  0.54  0.51 0.489  0.453  3.2 0.86
UTAUT_9  53  0.71  0.69 0.690  0.647  3.8 0.86
UTAUT_10 53  0.69  0.65 0.635  0.628  4.1 0.86
UTAUT_11 53  0.59  0.61 0.582  0.541  4.3 0.62
LDBDP_1  53  0.46  0.50 0.464  0.367  3.9 0.86
LDBDP_2  53  0.17  0.22 0.166  0.105  4.6 0.53
LDBDP_3  53  0.31  0.37 0.336  0.237  4.6 0.63
LDBDP_4  53  0.54  0.62 0.598  0.490  4.1 0.60
LDBDP_5  53  0.74  0.77 0.773  0.704  4.2 0.67
LDBDP_6  53  0.55  0.55 0.533  0.486  4.1 0.74
LDBDP_7  53  0.68  0.71 0.710  0.640  4.2 0.63
LDBDP_8  53  0.51  0.53 0.484  0.445  4.1 0.71

Non missing response frequency for each item
            0    1    2    3    4    5 miss
UTAUT_1  0.00 0.00 0.00 0.04 0.62 0.34    0
UTAUT_2  0.00 0.00 0.04 0.26 0.57 0.13    0
UTAUT_3  0.00 0.00 0.02 0.17 0.57 0.25    0
UTAUT_4  0.00 0.06 0.25 0.17 0.32 0.21    0
UTAUT_5  0.00 0.00 0.13 0.15 0.51 0.21    0
UTAUT_6  0.42 0.00 0.06 0.28 0.21 0.04    0
UTAUT_7  0.30 0.02 0.17 0.21 0.25 0.06    0
UTAUT_8  0.00 0.02 0.21 0.42 0.32 0.04    0
UTAUT_9  0.00 0.02 0.06 0.21 0.55 0.17    0
UTAUT_10 0.00 0.00 0.06 0.13 0.43 0.38    0
UTAUT_11 0.00 0.00 0.00 0.09 0.55 0.36    0
LDBDP_1  0.00 0.00 0.08 0.19 0.49 0.25    0
LDBDP_2  0.00 0.00 0.00 0.02 0.36 0.62    0
LDBDP_3  0.00 0.00 0.02 0.02 0.28 0.68    0
LDBDP_4  0.00 0.00 0.00 0.15 0.64 0.21    0
LDBDP_5  0.00 0.00 0.02 0.08 0.57 0.34    0
LDBDP_6  0.00 0.00 0.04 0.13 0.57 0.26    0
LDBDP_7  0.00 0.00 0.00 0.11 0.57 0.32    0
LDBDP_8  0.00 0.00 0.00 0.19 0.49 0.32    0

EFA - 3 faktora

Factor Analysis using method =  minres
Call: fa(r = BDP_kor, nfactors = 3)
Standardized loadings (pattern matrix) based upon correlation matrix
           MR3   MR1   MR2   h2   u2 com
UTAUT_1   0.17  0.26  0.54 0.57 0.43 1.7
UTAUT_2   0.09  0.09  0.67 0.55 0.45 1.1
UTAUT_3   0.37  0.07  0.44 0.49 0.51 2.0
UTAUT_4  -0.58  0.04  0.15 0.29 0.71 1.1
UTAUT_5   0.87 -0.01  0.03 0.76 0.24 1.0
UTAUT_6  -0.39  0.45 -0.13 0.22 0.78 2.2
UTAUT_7  -0.20  0.65 -0.06 0.34 0.66 1.2
UTAUT_8   0.23  0.40  0.00 0.30 0.70 1.6
UTAUT_9   0.80  0.03  0.06 0.70 0.30 1.0
UTAUT_10  0.52  0.17  0.07 0.41 0.59 1.2
UTAUT_11  0.02  0.55  0.17 0.39 0.61 1.2
LDBDP_1  -0.13  0.45  0.30 0.30 0.70 2.0
LDBDP_2  -0.01 -0.25  0.45 0.20 0.80 1.6
LDBDP_3  -0.12 -0.12  0.69 0.41 0.59 1.1
LDBDP_4   0.09  0.38  0.35 0.41 0.59 2.1
LDBDP_5   0.25  0.46  0.35 0.65 0.35 2.5
LDBDP_6   0.37  0.52 -0.24 0.49 0.51 2.3
LDBDP_7   0.22  0.65  0.05 0.63 0.37 1.2
LDBDP_8   0.05  0.42  0.16 0.26 0.74 1.3

                       MR3  MR1  MR2
SS loadings           3.01 3.00 2.36
Proportion Var        0.16 0.16 0.12
Cumulative Var        0.16 0.32 0.44
Proportion Explained  0.36 0.36 0.28
Cumulative Proportion 0.36 0.72 1.00

 With factor correlations of 
     MR3  MR1  MR2
MR3 1.00 0.43 0.35
MR1 0.43 1.00 0.28
MR2 0.35 0.28 1.00

Mean item complexity =  1.5
Test of the hypothesis that 3 factors are sufficient.

The degrees of freedom for the null model are  171  and the objective function was  9.84 with Chi Square of  441.13
The degrees of freedom for the model are 117  and the objective function was  3.1 

The root mean square of the residuals (RMSR) is  0.08 
The df corrected root mean square of the residuals is  0.09 

The harmonic number of observations is  53 with the empirical chi square  108.29  with prob <  0.71 
The total number of observations was  53  with Likelihood Chi Square =  132.95  with prob <  0.15 

Tucker Lewis Index of factoring reliability =  0.907
RMSEA index =  0.047  and the 90 % confidence intervals are  0 0.089
BIC =  -331.57
Fit based upon off diagonal values = 0.94
Measures of factor score adequacy             
                                                   MR3  MR1 MR2
Correlation of (regression) scores with factors   0.95 0.91 0.9
Multiple R square of scores with factors          0.90 0.84 0.8
Minimum correlation of possible factor scores     0.79 0.67 0.6

Loadings (cutoff = 0.4)

Loadings:
         MR3    MR1    MR2   
UTAUT_4  -0.582              
UTAUT_5   0.866              
UTAUT_9   0.804              
UTAUT_10  0.518              
UTAUT_7          0.646       
UTAUT_11         0.548       
LDBDP_6          0.516       
LDBDP_7          0.651       
UTAUT_1                 0.544
UTAUT_2                 0.669
LDBDP_3                 0.689
UTAUT_3                 0.443
UTAUT_6          0.446       
UTAUT_8          0.404       
LDBDP_1          0.446       
LDBDP_2                 0.448
LDBDP_4                      
LDBDP_5          0.461       
LDBDP_8          0.415       

                 MR3   MR1   MR2
SS loadings    2.707 2.687 2.114
Proportion Var 0.142 0.141 0.111
Cumulative Var 0.142 0.284 0.395

Funkcija gustoće

tablica

              MR3         MR1          MR2
 [1,]  0.48209505 -0.57969070  1.221903291
 [2,]  0.80017766  0.99895841  0.667451960
 [3,]  0.02974421 -1.39561173  0.001983145
 [4,] -2.85954617 -2.56402362 -1.739980065
 [5,] -0.93077775  1.13896594  0.209687611
 [6,] -1.47358318  0.20754397  0.382991739
 [7,] -0.41802367  0.85655190 -2.229572324
 [8,] -0.47762184 -1.36942064 -0.952616466
 [9,]  1.13994398  1.86589542  1.370518067
[10,] -1.50285761 -0.41101445 -1.094846688
[11,]  1.06868446  0.54959734  0.722625774
[12,] -0.17521533 -0.54717622  0.034450937
[13,]  0.58118808  0.60732890  0.549615594
[14,] -1.12838982 -0.96002524 -1.019318816
[15,]  0.66488009  0.34574251  0.589945565
[16,]  0.13685421  0.72090853  0.252323204
[17,]  0.21879809  0.11621725 -1.757018267
[18,]  0.26960750 -0.53883880 -0.353779819
[19,]  0.44704790  1.13617842  0.461987518
[20,]  1.06602513  1.41849262  0.448143464
[21,] -0.99310293 -0.01004742 -0.478316033
[22,]  0.18825896  0.70067885 -1.384664847
[23,] -2.01247974  0.17677634  0.129599288
[24,] -0.24178059 -0.39148883 -0.455365283
[25,]  0.80438246 -0.44181300  0.361891506
[26,]  1.23581060  1.29260518  0.955453784
[27,]  0.32317478 -0.72988358  0.289148940
[28,]  0.61663936  0.69525142  0.333688269
[29,] -0.73530874 -1.56240991 -0.215296172
[30,]  0.54189570 -0.39717500 -0.941496102
[31,] -1.30010216 -1.38861628  1.705277559
[32,] -1.13037543 -0.52259253 -0.429403769
[33,]  0.25914805 -0.73478076 -0.172401386
[34,] -0.31926912 -0.49496373  0.563941616
[35,] -0.43492782  0.32975867 -0.464449206
[36,]  0.21525420 -1.18562481  0.343154078
[37,]  0.07792702 -0.19444404 -0.858163332
[38,]  0.22431618 -0.55233485  0.003641215
[39,]  1.19970345  1.71525056  1.421642974
[40,]  0.39439112  1.24799183  1.656799997
[41,]  1.44925295  1.12843882  1.053047392
[42,] -0.15316648  0.11437214 -0.848283527
[43,] -1.49411079 -0.37204778 -0.172889917
[44,]  0.41510829 -0.26527544 -0.665753402
[45,] -1.53989160  0.46513057 -0.675703512
[46,] -0.38637184  0.14581473  0.435685675
[47,]  1.19342768  1.02515601  0.022194418
[48,]  1.39400821 -0.13851487 -0.491439222
[49,]  0.13902596 -0.93688917 -0.458691216
[50,]  0.18345378 -0.20464675  0.228398725
[51,]  1.17424015 -0.05970004  1.278383578
[52,]  0.60832481  0.56273012  1.258701972
[53,]  0.16411254 -0.61328625 -1.094829483

EFA - 4 faktora

Factor Analysis using method =  minres
Call: fa(r = BDP_kor, nfactors = 4)
Standardized loadings (pattern matrix) based upon correlation matrix
           MR4   MR1   MR3   MR2   h2   u2 com
UTAUT_1   0.73  0.11  0.05  0.05 0.66 0.34 1.1
UTAUT_2   0.81 -0.06 -0.01  0.15 0.67 0.33 1.1
UTAUT_3   0.50  0.03  0.30  0.13 0.49 0.51 1.8
UTAUT_4   0.21 -0.10 -0.60 -0.05 0.35 0.65 1.3
UTAUT_5   0.01  0.12  0.85  0.10 0.83 0.17 1.1
UTAUT_6  -0.11  0.40 -0.37 -0.08 0.21 0.79 2.2
UTAUT_7   0.13  0.53 -0.25 -0.18 0.32 0.68 1.8
UTAUT_8   0.48  0.18  0.07 -0.40 0.48 0.52 2.3
UTAUT_9   0.39 -0.07  0.69 -0.20 0.78 0.22 1.8
UTAUT_10  0.14  0.21  0.45  0.01 0.40 0.60 1.6
UTAUT_11  0.18  0.55 -0.02  0.05 0.40 0.60 1.2
LDBDP_1   0.18  0.49 -0.14  0.18 0.33 0.67 1.8
LDBDP_2  -0.05 -0.02  0.12  0.66 0.44 0.56 1.1
LDBDP_3   0.21  0.07 -0.03  0.73 0.62 0.38 1.2
LDBDP_4   0.31  0.40  0.06  0.15 0.41 0.59 2.3
LDBDP_5   0.58  0.33  0.13 -0.07 0.69 0.31 1.7
LDBDP_6  -0.18  0.61  0.33 -0.11 0.56 0.44 1.8
LDBDP_7   0.04  0.74  0.18  0.05 0.71 0.29 1.1
LDBDP_8   0.12  0.46  0.03  0.11 0.28 0.72 1.3

                       MR4  MR1  MR3  MR2
SS loadings           2.91 2.85 2.51 1.36
Proportion Var        0.15 0.15 0.13 0.07
Cumulative Var        0.15 0.30 0.44 0.51
Proportion Explained  0.30 0.30 0.26 0.14
Cumulative Proportion 0.30 0.60 0.86 1.00

 With factor correlations of 
     MR4   MR1  MR3   MR2
MR4 1.00  0.36 0.36  0.12
MR1 0.36  1.00 0.37 -0.02
MR3 0.36  0.37 1.00  0.00
MR2 0.12 -0.02 0.00  1.00

Mean item complexity =  1.6
Test of the hypothesis that 4 factors are sufficient.

The degrees of freedom for the null model are  171  and the objective function was  9.84 with Chi Square of  441.13
The degrees of freedom for the model are 101  and the objective function was  2.11 

The root mean square of the residuals (RMSR) is  0.06 
The df corrected root mean square of the residuals is  0.07 

The harmonic number of observations is  53 with the empirical chi square  58.53  with prob <  1 
The total number of observations was  53  with Likelihood Chi Square =  88.89  with prob <  0.8 

Tucker Lewis Index of factoring reliability =  1.084
RMSEA index =  0  and the 90 % confidence intervals are  0 0.049
BIC =  -312.11
Fit based upon off diagonal values = 0.97
Measures of factor score adequacy             
                                                   MR4  MR1  MR3  MR2
Correlation of (regression) scores with factors   0.93 0.92 0.95 0.87
Multiple R square of scores with factors          0.87 0.85 0.90 0.76
Minimum correlation of possible factor scores     0.75 0.70 0.81 0.51

Loadings (cutoff = 0.4)

Loadings:
         MR4    MR1    MR3    MR2   
UTAUT_1   0.732                     
UTAUT_2   0.811                     
LDBDP_5   0.585                     
UTAUT_7          0.527              
UTAUT_11         0.548              
LDBDP_6          0.613              
LDBDP_7          0.744              
UTAUT_4                -0.601       
UTAUT_5                 0.854       
UTAUT_9                 0.687       
LDBDP_2                        0.657
LDBDP_3                        0.732
UTAUT_3   0.497                     
UTAUT_6          0.404              
UTAUT_8   0.480                     
UTAUT_10                0.451       
LDBDP_1          0.489              
LDBDP_4                             
LDBDP_8          0.456              

                 MR4   MR1   MR3   MR2
SS loadings    2.513 2.513 2.253 1.348
Proportion Var 0.132 0.132 0.119 0.071
Cumulative Var 0.132 0.265 0.383 0.454

Funkcija gustoće

tablica

              MR4         MR1         MR3           MR2
 [1,]  1.03762326 -0.69396273  0.38238137  0.9066770105
 [2,]  0.42175558  1.22593030  0.88626792  0.6450174299
 [3,] -0.41824842 -1.34543639  0.30541006  0.7895925441
 [4,] -3.03501623 -2.06951557 -2.36008145  1.0821168405
 [5,]  0.29778941  1.09599358 -1.23273297 -0.0685897712
 [6,]  0.71416280 -0.19924109 -1.83929476 -0.2658378116
 [7,] -1.01061054  0.55815140 -0.50625433 -2.8977371386
 [8,] -1.75208392 -0.86431295 -0.08990414  0.7566424858
 [9,]  1.79810470  1.66961057  0.86706068  0.1335881097
[10,] -0.62418063 -0.74347623 -1.61785956 -1.1832702627
[11,]  0.70398121  0.61971998  1.04857617  0.3655970624
[12,] -0.55274402 -0.31655955  0.02978198  0.6899426448
[13,]  0.36377605  0.82992127  0.51710892  0.3499453499
[14,] -0.50841564 -1.32456814 -1.14980295 -1.0313184973
[15,]  1.05643204  0.03684593  0.51615076 -0.1955798940
[16,] -0.30113298  1.05694787  0.24272826  0.8612397564
[17,] -0.80366052 -0.21721145  0.22420090 -2.4006789459
[18,] -0.13368720 -0.60456474  0.30820421 -0.5976476201
[19,]  0.66540030  1.09441774  0.26502462 -0.0681079523
[20,]  1.03304908  1.28707851  0.85725361 -0.5279462790
[21,] -0.20463542 -0.22393782 -1.11008398 -0.7150797883
[22,] -0.99065315  0.84569944  0.31173269 -1.1467237444
[23,] -0.36968468  0.16084524 -2.14993569  0.8120744355
[24,] -0.01153636 -0.66074495 -0.34186780 -0.8742864578
[25,] -0.04961144 -0.25939267  0.99106823  0.7495927483
[26,]  1.04869284  1.28550419  1.14108000  0.2617876028
[27,] -0.09063656 -0.54701703  0.43223317  0.7386794159
[28,]  0.42751961  0.83047911  0.52038682 -0.1581045357
[29,] -0.27403603 -1.77832004 -0.61695596  0.2545059163
[30,] -0.35719441 -0.57749950  0.55767163 -1.2088988236
[31,]  1.39679771 -1.85555952 -1.61237797  1.0866226841
[32,] -0.05644894 -0.89555367 -1.26775828 -0.6109054936
[33,] -0.63360274 -0.42563799  0.49150434  0.5665095552
[34,] -0.07280599 -0.43155942 -0.28107370  1.0695385965
[35,] -0.55018739  0.48404329 -0.38783291 -0.3286454431
[36,]  0.23504737 -1.18140793  0.28269897  0.4454203857
[37,] -0.65460640 -0.15531624  0.20688134 -0.6808826589
[38,]  0.02150890 -0.48118850  0.25955262  0.0279616225
[39,]  1.79448629  1.56411132  0.93984981  0.2057769279
[40,]  1.62161482  1.15002609  0.08940142  0.6839586650
[41,]  1.56672277  0.92483756  1.24226324 -0.2070757338
[42,] -1.34371323  0.70310411  0.10103427  0.4486205351
[43,] -0.88210202 -0.08952680 -1.35489039  0.8830857343
[44,]  0.01714652 -0.61769188  0.42500210 -1.3602295974
[45,] -1.40400302  0.81320404 -1.52786872  0.6411731066
[46,]  0.35188067  0.11056511 -0.48964486  0.3709939553
[47,]  0.26942651  1.17111877  1.28524280  0.0001116584
[48,] -0.60040305  0.09799475  1.66996052 -0.2358104636
[49,] -0.58000950 -0.86322185  0.32342085 -0.0263334298
[50,]  0.40635734 -0.26529600  0.14421036 -0.0906882899
[51,]  0.90725459  0.05425571  1.20810008  0.9777811399
[52,]  0.87125544  0.67320647  0.61127143  1.0730033045
[53,] -0.76213538 -0.65589169  0.25150426 -0.9971785912

EFA - 5 faktora

Factor Analysis using method =  minres
Call: fa(r = BDP_kor, nfactors = 5)
Standardized loadings (pattern matrix) based upon correlation matrix
           MR1   MR4   MR3   MR2   MR5   h2    u2 com
UTAUT_1   0.74  0.09  0.04  0.06  0.00 0.66 0.344 1.0
UTAUT_2   0.81 -0.07 -0.03  0.16 -0.05 0.67 0.335 1.1
UTAUT_3   0.51  0.04  0.27  0.13 -0.06 0.49 0.506 1.7
UTAUT_4   0.18 -0.06 -0.65 -0.05 -0.04 0.39 0.611 1.2
UTAUT_5   0.04  0.08  0.91  0.10 -0.02 0.92 0.079 1.0
UTAUT_6  -0.03  0.00  0.01 -0.01  0.86 0.74 0.258 1.0
UTAUT_7   0.18  0.31 -0.08 -0.15  0.36 0.33 0.672 3.0
UTAUT_8   0.50  0.18  0.02 -0.40  0.01 0.48 0.525 2.2
UTAUT_9   0.43 -0.06  0.63 -0.20 -0.09 0.78 0.225 2.1
UTAUT_10  0.08  0.49  0.20 -0.06 -0.38 0.55 0.447 2.3
UTAUT_11  0.17  0.60 -0.09  0.03  0.01 0.44 0.564 1.2
LDBDP_1   0.15  0.62 -0.26  0.17 -0.06 0.42 0.579 1.7
LDBDP_2  -0.10  0.07  0.07  0.63 -0.14 0.42 0.579 1.2
LDBDP_3   0.19  0.01  0.06  0.77  0.05 0.68 0.321 1.1
LDBDP_4   0.33  0.34  0.08  0.15  0.10 0.41 0.594 2.7
LDBDP_5   0.61  0.29  0.12 -0.07  0.04 0.69 0.312 1.6
LDBDP_6  -0.18  0.67  0.25 -0.14 -0.01 0.58 0.417 1.5
LDBDP_7   0.09  0.62  0.25  0.04  0.21 0.69 0.309 1.6
LDBDP_8   0.12  0.42  0.04  0.10  0.08 0.28 0.720 1.4

                       MR1  MR4  MR3  MR2  MR5
SS loadings           3.01 2.78 2.28 1.38 1.15
Proportion Var        0.16 0.15 0.12 0.07 0.06
Cumulative Var        0.16 0.30 0.43 0.50 0.56
Proportion Explained  0.28 0.26 0.22 0.13 0.11
Cumulative Proportion 0.28 0.55 0.76 0.89 1.00

 With factor correlations of 
      MR1   MR4   MR3   MR2   MR5
MR1  1.00  0.41  0.35  0.13 -0.07
MR4  0.41  1.00  0.40 -0.01  0.09
MR3  0.35  0.40  1.00 -0.03 -0.15
MR2  0.13 -0.01 -0.03  1.00 -0.04
MR5 -0.07  0.09 -0.15 -0.04  1.00

Mean item complexity =  1.6
Test of the hypothesis that 5 factors are sufficient.

The degrees of freedom for the null model are  171  and the objective function was  9.84 with Chi Square of  441.13
The degrees of freedom for the model are 86  and the objective function was  1.71 

The root mean square of the residuals (RMSR) is  0.05 
The df corrected root mean square of the residuals is  0.06 

The harmonic number of observations is  53 with the empirical chi square  38.26  with prob <  1 
The total number of observations was  53  with Likelihood Chi Square =  71.13  with prob <  0.88 

Tucker Lewis Index of factoring reliability =  1.125
RMSEA index =  0  and the 90 % confidence intervals are  0 0.04
BIC =  -270.32
Fit based upon off diagonal values = 0.98
Measures of factor score adequacy             
                                                   MR1  MR4  MR3  MR2  MR5
Correlation of (regression) scores with factors   0.94 0.92 0.97 0.88 0.89
Multiple R square of scores with factors          0.88 0.85 0.94 0.78 0.80
Minimum correlation of possible factor scores     0.76 0.69 0.89 0.56 0.60

Loadings (cutoff = 0.4)

Loadings:
         MR1    MR4    MR3    MR2    MR5   
UTAUT_1   0.744                            
UTAUT_2   0.808                            
UTAUT_3   0.508                            
UTAUT_8   0.502                            
LDBDP_5   0.613                            
UTAUT_11         0.601                     
LDBDP_1          0.618                     
LDBDP_6          0.670                     
LDBDP_7          0.620                     
UTAUT_4                -0.648              
UTAUT_5                 0.908              
UTAUT_9   0.426         0.631              
LDBDP_2                        0.633       
LDBDP_3                        0.772       
UTAUT_6                               0.861
UTAUT_7                                    
UTAUT_10         0.495                     
LDBDP_4                                    
LDBDP_8          0.424                     

                 MR1   MR4   MR3   MR2   MR5
SS loadings    2.610 2.364 2.003 1.369 1.124
Proportion Var 0.137 0.124 0.105 0.072 0.059
Cumulative Var 0.137 0.262 0.367 0.439 0.498

Funkcija gustoće

tablica

               MR1         MR4         MR3         MR2         MR5
 [1,]  0.934289927 -0.38895082  0.14699999  0.80800425 -1.10505677
 [2,]  0.523334321  0.98100864  1.22685168  0.70778901  0.48645454
 [3,] -0.486853486 -1.20082364  0.37464023  0.82130525 -0.08467574
 [4,] -3.036935993 -2.39627693 -1.96806228  1.16787304  0.31283292
 [5,]  0.351573425  0.75418744 -1.03696664  0.10747697  1.47801634
 [6,]  0.739953395 -0.66823564 -1.73539301 -0.03474148  1.16494649
 [7,] -1.048909310  0.78163388 -0.78660287 -3.16717396 -0.14790392
 [8,] -1.764713027 -0.79481445 -0.06335596  0.66954187 -0.73101500
 [9,]  1.834351288  1.59851132  0.97138941  0.21151423  1.25928770
[10,] -0.676561453 -0.75454150 -1.70513773 -1.09496184  0.43743546
[11,]  0.687000650  0.72233604  1.06178415  0.26730067 -0.89792258
[12,] -0.503229973 -0.61591263  0.19973808  0.75748803  1.11095300
[13,]  0.345740644  1.12622493  0.24028968  0.28156694 -0.92016153
[14,] -0.575039902 -1.36874973 -0.99845967 -0.93814517  0.63027258
[15,]  1.094839397 -0.10643948  0.49378563 -0.19808176 -0.65272975
[16,] -0.256746548  1.02275070  0.25896349  0.84252764  0.54097450
[17,] -0.719710122 -0.44133115  0.45431287 -2.38534073  0.48608043
[18,] -0.168705646 -0.42335868  0.16680420 -0.66091192 -0.97187048
[19,]  0.721635830  0.94983106  0.37980972  0.01674351  1.06130978
[20,]  1.087331920  1.41486414  0.61718664 -0.50465249 -0.69831577
[21,] -0.205016369 -0.41747149 -1.01871751 -0.63682495  0.70998650
[22,] -0.877388243  0.60852815  0.51388537 -1.12394028  1.07492963
[23,] -0.395600816 -0.08338652 -2.02845681  0.94058792  1.71389805
[24,] -0.046144101 -0.49246944 -0.60609235 -0.90384254 -0.89088491
[25,] -0.061306711 -0.07560820  1.04930284  0.69687895 -1.11794333
[26,]  1.134923083  1.07952230  1.32815166  0.27897734  0.82607282
[27,] -0.173052665 -0.16644133  0.17527177  0.63445257 -1.18436462
[28,]  0.386446096  1.10909836  0.13949205 -0.37105759 -0.88951257
[29,] -0.315321259 -1.85273354 -0.59379034  0.34948170 -0.16980226
[30,] -0.341338980 -0.43721126  0.49108955 -1.25298674 -0.86465724
[31,]  1.194476320 -1.45559805 -2.09453801  1.09821923 -1.31810109
[32,] -0.099142851 -0.90516792 -1.53284564 -0.64479938  0.23556363
[33,] -0.642830621 -0.26870839  0.37915576  0.50013347 -0.99201274
[34,] -0.111015881 -0.34767741 -0.16506194  1.08506094  0.26899862
[35,] -0.472725486  0.09414585 -0.10681631 -0.30867389  0.92175620
[36,]  0.205284614 -1.18558681  0.26462134  0.39688834 -0.97501306
[37,] -0.630887931 -0.27850480  0.29958073 -0.76070110  0.32386910
[38,] -0.007523508 -0.34758218  0.19908631  0.08495569 -0.86686809
[39,]  1.814789439  1.56695090  0.96169885  0.24768531  0.81509134
[40,]  1.607033482  1.24119245 -0.10469312  0.63078269 -0.76107221
[41,]  1.636545690  0.83350774  1.30547939 -0.15094327 -0.66850546
[42,] -1.322683555  0.72905759  0.12010288  0.35437629  0.49909204
[43,] -0.861076613 -0.30817770 -1.06906397  1.01260219  0.62828446
[44,]  0.120893455 -0.89816285  0.60824994 -1.21799948  0.47463114
[45,] -1.474948717  1.18965924 -1.87336389  0.54984941  0.48883992
[46,]  0.289234088  0.36707242 -0.86789802  0.33686314 -0.83791968
[47,]  0.385628882  0.92280553  1.59069784  0.10873610  1.07319267
[48,] -0.619993076  0.52413217  1.42748605 -0.48513497 -1.39018507
[49,] -0.623426147 -0.66413773  0.20475967 -0.18707830 -1.12869601
[50,]  0.393125600 -0.33247453  0.26618453  0.03599806  0.69045976
[51,]  0.841295546  0.47048251  1.04783683  0.89655983 -1.22912968
[52,]  0.929490820  0.36459579  0.97565475  1.12296660  0.92793419
[53,] -0.740388924 -0.77556436  0.41497217 -0.99319535  0.85315573

Cronbach alpha

Reliability analysis   
Call: psych::alpha(x = BDP_aut, check.keys = TRUE)

  raw_alpha std.alpha G6(smc) average_r S/N   ase mean   sd median_r
      0.69      0.81    0.86      0.27 4.2 0.067  3.5 0.52      0.3

    95% confidence boundaries 
         lower alpha upper
Feldt     0.55  0.69  0.80
Duhachek  0.56  0.69  0.82

 Reliability if an item is dropped:
         raw_alpha std.alpha G6(smc) average_r S/N alpha se var.r med.r
UTAUT_1       0.66      0.78    0.84      0.26 3.5    0.074 0.041  0.30
UTAUT_2       0.66      0.79    0.84      0.27 3.7    0.074 0.041  0.33
UTAUT_3       0.64      0.77    0.84      0.25 3.4    0.078 0.043  0.30
UTAUT_4-      0.68      0.81    0.86      0.29 4.2    0.071 0.040  0.33
UTAUT_5       0.63      0.77    0.83      0.25 3.4    0.082 0.038  0.30
UTAUT_6-      0.77      0.83    0.87      0.32 4.8    0.049 0.029  0.34
UTAUT_7       0.75      0.82    0.86      0.31 4.5    0.053 0.034  0.33
UTAUT_8       0.65      0.79    0.84      0.27 3.7    0.076 0.044  0.30
UTAUT_9       0.62      0.77    0.82      0.25 3.3    0.082 0.038  0.30
UTAUT_10      0.63      0.78    0.84      0.26 3.5    0.080 0.046  0.25
UTAUT_11      0.66      0.79    0.85      0.28 3.8    0.073 0.046  0.30

 Item statistics 
          n raw.r std.r r.cor r.drop mean   sd
UTAUT_1  53  0.60  0.69  0.67  0.538  4.3 0.54
UTAUT_2  53  0.54  0.61  0.58  0.446  3.8 0.72
UTAUT_3  53  0.69  0.72  0.69  0.615  4.0 0.71
UTAUT_4- 53  0.48  0.45  0.39  0.292  1.6 1.23
UTAUT_5  53  0.72  0.73  0.73  0.630  3.8 0.93
UTAUT_6- 53  0.32  0.23  0.14  0.014  3.0 1.78
UTAUT_7  53  0.37  0.32  0.23  0.074  2.2 1.71
UTAUT_8  53  0.59  0.62  0.58  0.484  3.2 0.86
UTAUT_9  53  0.76  0.78  0.79  0.685  3.8 0.86
UTAUT_10 53  0.71  0.69  0.65  0.618  4.1 0.86
UTAUT_11 53  0.53  0.57  0.50  0.443  4.3 0.62

Non missing response frequency for each item
            0    1    2    3    4    5 miss
UTAUT_1  0.00 0.00 0.00 0.04 0.62 0.34    0
UTAUT_2  0.00 0.00 0.04 0.26 0.57 0.13    0
UTAUT_3  0.00 0.00 0.02 0.17 0.57 0.25    0
UTAUT_4  0.00 0.06 0.25 0.17 0.32 0.21    0
UTAUT_5  0.00 0.00 0.13 0.15 0.51 0.21    0
UTAUT_6  0.42 0.00 0.06 0.28 0.21 0.04    0
UTAUT_7  0.30 0.02 0.17 0.21 0.25 0.06    0
UTAUT_8  0.00 0.02 0.21 0.42 0.32 0.04    0
UTAUT_9  0.00 0.02 0.06 0.21 0.55 0.17    0
UTAUT_10 0.00 0.00 0.06 0.13 0.43 0.38    0
UTAUT_11 0.00 0.00 0.00 0.09 0.55 0.36    0

EFA - 2 faktora

Factor Analysis using method =  minres
Call: fa(r = BDP_aut, nfactors = 2)
Standardized loadings (pattern matrix) based upon correlation matrix
           MR1   MR2   h2   u2 com
UTAUT_1   0.47  0.38 0.47 0.53 1.9
UTAUT_2   0.42  0.31 0.34 0.66 1.8
UTAUT_3   0.59  0.22 0.48 0.52 1.3
UTAUT_4  -0.50  0.16 0.23 0.77 1.2
UTAUT_5   0.85 -0.12 0.68 0.32 1.0
UTAUT_6  -0.36  0.36 0.18 0.82 2.0
UTAUT_7  -0.13  0.67 0.41 0.59 1.1
UTAUT_8   0.32  0.47 0.41 0.59 1.8
UTAUT_9   0.82  0.02 0.69 0.31 1.0
UTAUT_10  0.60  0.05 0.38 0.62 1.0
UTAUT_11  0.23  0.46 0.33 0.67 1.5

                       MR1  MR2
SS loadings           3.17 1.44
Proportion Var        0.29 0.13
Cumulative Var        0.29 0.42
Proportion Explained  0.69 0.31
Cumulative Proportion 0.69 1.00

 With factor correlations of 
     MR1  MR2
MR1 1.00 0.29
MR2 0.29 1.00

Mean item complexity =  1.4
Test of the hypothesis that 2 factors are sufficient.

The degrees of freedom for the null model are  55  and the objective function was  4.5 with Chi Square of  213.55
The degrees of freedom for the model are 34  and the objective function was  1.28 

The root mean square of the residuals (RMSR) is  0.09 
The df corrected root mean square of the residuals is  0.11 

The harmonic number of observations is  53 with the empirical chi square  46.16  with prob <  0.08 
The total number of observations was  53  with Likelihood Chi Square =  58.98  with prob <  0.005 

Tucker Lewis Index of factoring reliability =  0.735
RMSEA index =  0.116  and the 90 % confidence intervals are  0.065 0.169
BIC =  -76.01
Fit based upon off diagonal values = 0.93
Measures of factor score adequacy             
                                                   MR1  MR2
Correlation of (regression) scores with factors   0.94 0.84
Multiple R square of scores with factors          0.88 0.70
Minimum correlation of possible factor scores     0.76 0.40

Loadings (cutoff = 0.4)

Loadings:
         MR1    MR2   
UTAUT_3   0.594       
UTAUT_5   0.851       
UTAUT_9   0.824       
UTAUT_10  0.601       
UTAUT_7          0.669
UTAUT_1   0.471       
UTAUT_2   0.418       
UTAUT_4  -0.497       
UTAUT_6               
UTAUT_8          0.471
UTAUT_11         0.461

                 MR1   MR2
SS loadings    3.065 1.340
Proportion Var 0.279 0.122
Cumulative Var 0.279 0.400

Funkcija gustoće

tablica

              MR1          MR2
 [1,]  0.60569742 -0.557213489
 [2,]  0.55282567  0.423425277
 [3,] -0.12134235 -1.194404986
 [4,] -2.97973004 -1.786977946
 [5,] -0.82526324  0.725389380
 [6,] -1.25031664  0.771796484
 [7,] -0.74079753  0.561383589
 [8,] -0.71239120 -1.584746481
 [9,]  1.39066949  2.051080601
[10,] -1.50915702  0.040913867
[11,]  1.16182726  0.926028860
[12,] -0.17760748 -0.884670131
[13,]  0.68525506 -0.174399372
[14,] -1.00527835  0.362072430
[15,]  0.80516604  1.002932089
[16,]  0.07860924 -0.027151365
[17,] -0.09373261  0.006230525
[18,]  0.16725242 -0.876738647
[19,]  0.46708476  0.744771949
[20,]  0.98497590  0.978911835
[21,] -0.96178768  0.188645632
[22,] -0.30843627 -0.285525519
[23,] -1.75103543  0.939271638
[24,] -0.24777302 -0.270565151
[25,]  0.78982606 -0.037845544
[26,]  1.42275686  1.212918648
[27,]  0.34706229 -0.900758901
[28,]  0.68413832 -0.189986591
[29,] -0.50351543  0.056662410
[30,]  0.08000130 -0.662583924
[31,] -0.46164671  0.234637995
[32,] -1.00922100 -0.365274338
[33,]  0.13215445 -1.093068113
[34,] -0.11379647  0.133075907
[35,] -0.58712611 -0.494957241
[36,]  0.29595101 -0.751499567
[37,] -0.01096343 -0.168028320
[38,]  0.20106084 -0.639223773
[39,]  1.45581340  1.758365716
[40,]  0.83086055  1.336758103
[41,]  1.57810362  1.333624232
[42,] -0.29510114 -0.209055635
[43,] -1.58853450 -0.361112709
[44,]  0.36502570  0.281023537
[45,] -1.61349401 -0.085815091
[46,] -0.13311741  0.328578432
[47,]  0.81098080  0.638442387
[48,]  1.15855998 -0.949213268
[49,] -0.16982361 -1.587510957
[50,]  0.30770228  0.042284910
[51,]  1.22594035 -0.135033452
[52,]  0.60423729 -0.029575671
[53,] -0.01854969 -0.776290250

EFA - 3 faktora

Factor Analysis using method =  minres
Call: fa(r = BDP_aut, nfactors = 3)
Standardized loadings (pattern matrix) based upon correlation matrix
           MR1   MR3   MR2   h2   u2 com
UTAUT_1   0.09  0.71  0.09 0.60 0.40 1.1
UTAUT_2  -0.06  0.83 -0.02 0.65 0.35 1.0
UTAUT_3   0.35  0.46  0.07 0.48 0.52 1.9
UTAUT_4  -0.76  0.29 -0.04 0.49 0.51 1.3
UTAUT_5   0.86  0.06 -0.03 0.77 0.23 1.0
UTAUT_6  -0.14 -0.24  0.49 0.28 0.72 1.6
UTAUT_7  -0.03  0.02  0.81 0.66 0.34 1.0
UTAUT_8   0.19  0.35  0.33 0.38 0.62 2.5
UTAUT_9   0.65  0.31 -0.02 0.67 0.33 1.4
UTAUT_10  0.46  0.25  0.01 0.38 0.62 1.6
UTAUT_11  0.21  0.21  0.39 0.33 0.67 2.1

                       MR1  MR3  MR2
SS loadings           2.37 2.09 1.21
Proportion Var        0.22 0.19 0.11
Cumulative Var        0.22 0.41 0.52
Proportion Explained  0.42 0.37 0.21
Cumulative Proportion 0.42 0.79 1.00

 With factor correlations of 
     MR1  MR3  MR2
MR1 1.00 0.40 0.11
MR3 0.40 1.00 0.19
MR2 0.11 0.19 1.00

Mean item complexity =  1.5
Test of the hypothesis that 3 factors are sufficient.

The degrees of freedom for the null model are  55  and the objective function was  4.5 with Chi Square of  213.55
The degrees of freedom for the model are 25  and the objective function was  0.72 

The root mean square of the residuals (RMSR) is  0.05 
The df corrected root mean square of the residuals is  0.08 

The harmonic number of observations is  53 with the empirical chi square  17.47  with prob <  0.86 
The total number of observations was  53  with Likelihood Chi Square =  32.59  with prob <  0.14 

Tucker Lewis Index of factoring reliability =  0.888
RMSEA index =  0.073  and the 90 % confidence intervals are  0 0.143
BIC =  -66.67
Fit based upon off diagonal values = 0.97
Measures of factor score adequacy             
                                                   MR1  MR3  MR2
Correlation of (regression) scores with factors   0.93 0.91 0.86
Multiple R square of scores with factors          0.87 0.82 0.74
Minimum correlation of possible factor scores     0.74 0.65 0.47

Loadings (cutoff = 0.4)

Loadings:
         MR1    MR3    MR2   
UTAUT_4  -0.758              
UTAUT_5   0.857              
UTAUT_9   0.648              
UTAUT_1          0.713       
UTAUT_2          0.829       
UTAUT_7                 0.809
UTAUT_3          0.456       
UTAUT_6                 0.487
UTAUT_8                      
UTAUT_10  0.463              
UTAUT_11                     

                 MR1   MR3   MR2
SS loadings    2.179 1.877 1.172
Proportion Var 0.198 0.171 0.107
Cumulative Var 0.198 0.369 0.475

Funkcija gustoće

tablica

              MR1         MR3         MR2
 [1,]  0.02010009  1.16922230 -1.32523624
 [2,]  0.86206340  0.23762453  0.77814036
 [3,]  0.33207997 -0.68254446 -1.02323973
 [4,] -2.32474022 -2.84652499 -0.87673957
 [5,] -0.85537045 -0.12847200  0.87211481
 [6,] -1.74903187  0.30929513  0.53489027
 [7,] -0.54895128 -0.63011002  0.94755896
 [8,] -0.31789997 -1.41917975 -0.95372125
 [9,]  0.84468620  1.82587873  1.66551256
[10,] -1.42709197 -0.91510779  0.17816212
[11,]  1.45734393  0.74294116  0.92903979
[12,]  0.03530989 -0.85150906 -0.79141832
[13,]  0.46743746  0.69206146 -0.80646404
[14,] -1.08063634 -0.22690694  0.42721920
[15,]  0.49540496  0.98538025  0.88370769
[16,]  0.33283078 -0.27562655  0.34687410
[17,]  0.36758550 -0.82980675  0.72935673
[18,]  0.06069841  0.06394563 -1.22195094
[19,]  0.48295258  0.43014256  0.72960835
[20,]  0.74870870  0.97503460  0.87614877
[21,] -1.12868328 -0.18071852  0.25163079
[22,]  0.11103088 -0.96693602  0.37215382
[23,] -1.80023084 -0.51359353  1.36837351
[24,] -0.51988742  0.10585772 -0.40487461
[25,]  1.08028822  0.11118249  0.30847312
[26,]  1.58590179  0.76921467  1.27597496
[27,]  0.31400214  0.05359997 -1.22950986
[28,]  0.72652217  0.34540188 -0.76877004
[29,] -0.51486288 -0.17652812  0.23850918
[30,]  0.10931022 -0.49345353 -0.28048260
[31,] -1.48845504  1.38856852 -1.02584300
[32,] -1.36741282 -0.26724177 -0.35200463
[33,]  0.49310422 -0.71457150 -1.06185234
[34,] -0.22008016 -0.02998291  0.39167350
[35,] -0.45081210 -0.43127062 -0.30252692
[36,] -0.02612636  0.51739844 -1.27802406
[37,]  0.44262272 -0.72915605  0.12360873
[38,]  0.28431880  0.05724281 -1.02443009
[39,]  0.88388806  1.86436112  1.19578712
[40,]  0.29576911  1.67072389  0.78274868
[41,]  1.43514722  1.59494366  1.18634166
[42,]  0.21068014 -0.91363779  0.30439734
[43,] -1.33966559 -1.13094403 -0.06853394
[44,]  0.33947880 -0.22376986  0.49382089
[45,] -1.57004365 -1.46591299  0.43591894
[46,] -0.50495585  0.40721400 -0.04620102
[47,]  1.23052319  0.02760278  1.07638803
[48,]  1.52060093 -0.38507282 -0.92590164
[49,] -0.35182161 -0.22785628 -1.68269076
[50,]  0.35687857  0.34064526 -0.45096957
[51,]  0.93655719  0.96435101 -0.87501875
[52,]  0.51939360  0.76817151 -0.17744515
[53,]  0.20353985 -0.76157143 -0.75028490

EFA - 4 faktora

Factor Analysis using method =  minres
Call: fa(r = BDP_aut, nfactors = 4)
Standardized loadings (pattern matrix) based upon correlation matrix
           MR1   MR3   MR4   MR2   h2      u2 com
UTAUT_1   0.10  0.58  0.23 -0.02 0.57  0.4315 1.4
UTAUT_2  -0.01  0.95 -0.04  0.01 0.86  0.1372 1.0
UTAUT_3   0.33  0.36  0.19 -0.06 0.47  0.5274 2.6
UTAUT_4  -0.72  0.25 -0.01 -0.06 0.45  0.5452 1.2
UTAUT_5   0.93  0.06 -0.04  0.02 0.86  0.1353 1.0
UTAUT_6   0.03  0.01  0.02  1.01 1.00 -0.0025 1.0
UTAUT_7  -0.13 -0.01  0.58  0.28 0.41  0.5902 1.6
UTAUT_8   0.05  0.15  0.56 -0.03 0.43  0.5696 1.2
UTAUT_9   0.63  0.23  0.12 -0.07 0.66  0.3380 1.4
UTAUT_10  0.31  0.00  0.39 -0.31 0.46  0.5372 2.9
UTAUT_11  0.02 -0.02  0.66 -0.02 0.44  0.5593 1.0

                       MR1  MR3  MR4  MR2
SS loadings           2.18 1.68 1.55 1.23
Proportion Var        0.20 0.15 0.14 0.11
Cumulative Var        0.20 0.35 0.49 0.60
Proportion Explained  0.33 0.25 0.23 0.19
Cumulative Proportion 0.33 0.58 0.81 1.00

 With factor correlations of 
      MR1   MR3  MR4   MR2
MR1  1.00  0.33 0.39 -0.18
MR3  0.33  1.00 0.40 -0.15
MR4  0.39  0.40 1.00  0.07
MR2 -0.18 -0.15 0.07  1.00

Mean item complexity =  1.5
Test of the hypothesis that 4 factors are sufficient.

The degrees of freedom for the null model are  55  and the objective function was  4.5 with Chi Square of  213.55
The degrees of freedom for the model are 17  and the objective function was  0.43 

The root mean square of the residuals (RMSR) is  0.04 
The df corrected root mean square of the residuals is  0.07 

The harmonic number of observations is  53 with the empirical chi square  7.69  with prob <  0.97 
The total number of observations was  53  with Likelihood Chi Square =  19.33  with prob <  0.31 

Tucker Lewis Index of factoring reliability =  0.949
RMSEA index =  0.047  and the 90 % confidence intervals are  0 0.14
BIC =  -48.16
Fit based upon off diagonal values = 0.99

Loadings (cutoff = 0.4)

Loadings:
         MR1    MR3    MR4    MR2   
UTAUT_4  -0.718                     
UTAUT_5   0.927                     
UTAUT_9   0.628                     
UTAUT_1          0.580              
UTAUT_2          0.948              
UTAUT_7                 0.583       
UTAUT_8                 0.558       
UTAUT_11                0.664       
UTAUT_6                        1.006
UTAUT_3                             
UTAUT_10                            

                 MR1   MR3   MR4   MR2
SS loadings    2.005 1.504 1.356 1.201
Proportion Var 0.182 0.137 0.123 0.109
Cumulative Var 0.182 0.319 0.442 0.551

Funkcija gustoće

tablica

              MR1          MR3         MR4         MR2
 [1,]  0.10705833  1.411616811 -0.58748752 -1.10658666
 [2,]  1.07751100  0.324417618  0.20534442  0.36658860
 [3,]  0.39731535 -0.103426055 -1.02077156  0.52085204
 [4,] -2.20543820 -2.640469052 -2.17742969  0.04835371
 [5,] -0.88580326  0.136885067  0.29347754  1.17493609
 [6,] -1.74742796  0.412479000 -0.33434186  0.54141217
 [7,] -0.75876874 -1.021816517  0.85159029 -0.01279370
 [8,] -0.20319249 -1.263840101 -1.50549923 -0.97120532
 [9,]  0.98272374  1.790812616  1.96568564  1.66876649
[10,] -1.56932754 -0.967841694 -0.31155748  0.57156110
[11,]  1.36629769  0.447498564  1.21295037 -1.29912356
[12,]  0.22029796 -0.854152016 -1.04762077  1.24130820
[13,]  0.38991473  0.389879667  0.25461323 -1.16979151
[14,] -1.00895731  0.110978898 -0.01875794  1.12547870
[15,]  0.38461749  0.591881723  1.03271711 -1.24190463
[16,]  0.28741428  0.006576208  0.09887471  0.58856111
[17,]  0.31716927 -1.004419832  0.11183401  0.56281260
[18,]  0.12785747  0.228314916 -0.74044864 -1.07595473
[19,]  0.41079368  0.272973365  0.92414577  1.07123943
[20,]  0.52484515  0.506325408  1.27670760 -1.21741744
[21,] -1.04039851  0.159717198 -0.42443276  0.62518096
[22,]  0.18598758 -1.041183741 -0.14758829  1.08987245
[23,] -1.90703577 -0.089847071  0.15151047  1.78685024
[24,] -0.67269991  0.187286602 -0.35330990 -1.02601412
[25,]  1.07823053  0.162582231  0.19790839 -1.11475833
[26,]  1.51486195  0.475197930  1.56362897  1.04825332
[27,]  0.26808513  0.142758601 -0.49645815 -1.05146754
[28,]  0.51369037  0.273613812  0.42231479 -1.03946863
[29,] -0.60943781  0.151287608 -0.34438421  0.03526473
[30,]  0.08617615 -0.924877046 -0.43976153 -1.03629783
[31,] -1.65425950  1.545216115 -0.38312597 -0.97156993
[32,] -1.53128147  0.039469462 -0.77024186  0.70056107
[33,]  0.43210502 -0.934157929 -0.66202137 -1.11649305
[34,] -0.16902486  0.044108272  0.03566436  0.74194380
[35,] -0.18653365  0.063110418 -0.92825228  0.57401316
[36,]  0.14042800  0.450390428 -0.97565474 -1.17161430
[37,]  0.40770413 -0.902571396  0.07137877  0.54924784
[38,]  0.29409503  0.266110182 -0.47647804 -1.14199598
[39,]  1.01346459  1.811092527  1.75901850  1.10481077
[40,]  0.18579005  1.632996264  1.21723599 -1.15616814
[41,]  1.34114087  1.626470737  1.42452086 -1.25719228
[42,]  0.17830621 -1.106475476  0.06582675  0.58590684
[43,] -1.16110895 -1.054583314 -0.79438478  0.52123078
[44,]  0.32904708 -0.629560927  0.28561376  0.67023288
[45,] -1.82924566 -2.309420935  0.24432261  0.72893839
[46,] -0.69409106  0.328022303  0.41036357 -1.04868066
[47,]  1.28269609  0.245618788  0.90004224  1.04138554
[48,]  1.44163887 -0.868668337  0.13838498 -1.10974032
[49,] -0.11774776  0.097459705 -1.65922157 -1.08795364
[50,]  0.45031366  0.412068681 -0.01057474  1.02972774
[51,]  1.04865471  0.537809637  0.34012807 -1.12812934
[52,]  0.88668292  1.366664139 -0.39851232  1.02010152
[53,]  0.27886534 -0.932380062 -0.44748657  1.21692936