Heterotrait–monotrait ratio
| Constructs | TRT | PV | IR | PR | TR | IP |
|---|---|---|---|---|---|---|
| Trust | ||||||
| Perceived value | 0.608 | |||||
| Irritation | −0.265 | −0.283 | ||||
| Product risk | −0.622 | −0.620 | 0.379 | |||
| Time risk | −0.443 | −0.539 | 0.341 | 0.617 | ||
| Intention to purchase | 0.613 | 0.686 | −0.295 | −0.656 | −0.516 |
| Trust | ||||||
| Perceived value | 0.608 | |||||
| Irritation | −0.265 | −0.283 | ||||
| Product risk | −0.622 | −0.620 | 0.379 | |||
| Time risk | −0.443 | −0.539 | 0.341 | 0.617 | ||
| Intention to purchase | 0.613 | 0.686 | −0.295 | −0.656 | −0.516 |
The heterotrait–monotrait ratio shows discriminant validity when it is < 0.85 (Henseler et al., 2015)
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