## 4 Results
### Measurement Assessment  
The study used confirmatory factor analysis (CFA) to assess the reliability and validity of the instrument (Table 2). Results indicated a good fit between the measurement model and the data, with acceptable goodness of fit indices: \(\chi^{2}/d.f.=2.57\) (970.58/377), NFI, NNFI, and CFI all at 0.98, IFI at 0.99, GFI at 0.85, RMR at 0.063, and RMSEA at 0.061. Composite reliability (CR) was used to assess internal consistency among the research constructs and measurement items, while convergent and discriminant validity were examined to ensure construct validity. CR values ranged from 0.84 to 0.95, exceeding the 0.7 threshold and \begin{table}
\begin{tabular}{l c} \hline
**Construct** & **Loading** \\ \hline Perceived Convenience (PC) & \\ Adapted from [PERSON] et al. [60]; \(\alpha=0.93\); CR = 0.93; AVE = 0.76. & \\ PC1. Having an ibon kiosk in a convenience store that enables me to easily initiate a transaction is & 0.91 \\ important to me. & 0.92 \\ PC2. A convenient location makes me feel more comfortable using ibon kiosk services. & 0.93 \\ PC3. The location of the convenience store affects my decision to use its ibon kiosk. & 0.75 \\ PC4. Using an ibon kiosk makes my service transaction less time-consuming. & 0.89 \\ \hline Virtual System Service Quality (VSQ) & \\ Adapted from [PERSON] et al. [58]; [PERSON] et al. [59]; \(\alpha=0.95\); CR = 0.94; AVE = 0.75. & \\ VSQ1. The ibon kiosk interface enables me to quickly operate various functions. & 0.88 \\ VSQ2. The ibon kiosk and its various services fully meet my needs. & 0.92 \\ VSQ3. The ibon kiosk provides me with a variety of alternatives for solving my problems. & 0.92 \\ VSQ4. The ibon kiosk has a user-friendly interface. & 0.90 \\ VSQ5. The ibon kiosk provides prompt service to users. & 0.68 \\ \hline Perceived Ubiquity (PU) & \\ Adapted from [PERSON] et al. [61]; \(\alpha=0.93\); CR = 0.93; AVE = 0.78. & \\ PU1. Using ibon app services on my mobile phone reduces queuing time. & 0.85 \\ PU2. Using ibon app services on my mobile phone is independent of time. & 0.91 \\ PU3. Using ibon app services on my mobile phone is independent of place. & 0.91 \\ PU4. Using ibon app services on my mobile phone is convenient because I usually have my phone & 0.85 \\ with me. & \\ \hline Satisfaction (SA) & \\ Adapted from [PERSON] [14]; \(\alpha=0.95\); CR = 0.94; AVE = 0.75. & \\ SA1. I am satisfied with the ibon kiosk installed at my convenience store. & 0.87 \\ SA2. The ibon kiosk installed by the firm exceeded my expectations. & 0.70 \\ SA3. My experience of using ibon kiosk has been satisfactory. & 0.83 \\ \hline Attitude (AT) & \\ Adapted from [PERSON] et al. [62]; \(\alpha=0.93\); CR = 0.94; AVE = 0.85. & \\ AT1. I think that using the ibon app is a good idea. & 0.92 \\ AT2. I think using the ibon app is beneficial to me. & 0.94 \\ AT3. I have a positive perception of using the ibon app. & 0.90 \\ \hline Continuance Intention (CI) & \\ Adapted from [PERSON] [11]; \(\alpha=0.95\); CR = 0.95; AVE = 0.86. & \\ CI1. I intend to continue using ibon kiosk for service transactions in the future. & 0.93 \\ CI2. I will regularly use ibon kiosk for service transactions in the future. & 0.94 \\ CI3. I intend to use ibon kiosk in my daily life. & 0.91 \\ \hline Adoption Intention (AI) & \\ Adapted from [PERSON] et al. [63]; \(\alpha=0.95\); CR = 0.95; AVE = 0.87. & \\ AI1. I intend to use the ibon app in the future. & 0.92 \\ AI2. I intend to use the ibon app in my daily life. & 0.94 \\ AI3. I plan to use the ibon app frequently. & 0.94 \\ \hline \end{tabular} Note: \(\alpha=\) Cronbach’s alpha; CR = Composite reliability; AVE = Average variance extracted.  
\end{table} 
Table 2: _Cont._demonstrating robust reliability. In addition, [PERSON]'s alpha coefficients (0.85 to 0.95) exceeded the recommended level of 0.7, confirming the internal consistency of the research items [65]. Then, we employed convergent and discriminant validity analyses to assess the validity of our research constructs. Convergent validity was established through two methods.