Heterotrait–monotrait ratio/Fornell–Larcker criterion
| BI | LOY | SAT | SQP | SN | |
|---|---|---|---|---|---|
| BI | 0.851 | 0.083 | 0.069 | 0.047 | 0.469 |
| LOY | 0.326* | 0.897 | 0.324 | 0.471 | 0.076 |
| SAT | 0.306* | 0.624* | 0.794 | 0.388 | 0.076 |
| SQP | 0.254* | 0.751* | 0.709* | 0.727 | 0.058 |
| SN | 0.812* | 0.303* | 0.319* | 0.272* | 0.695 |
| BI | LOY | SAT | SQP | SN | |
|---|---|---|---|---|---|
| BI | 0.083 | 0.069 | 0.047 | 0.469 | |
| LOY | 0.326* | 0.324 | 0.471 | 0.076 | |
| SAT | 0.306* | 0.624* | 0.388 | 0.076 | |
| SQP | 0.254* | 0.751* | 0.709* | 0.058 | |
| SN | 0.812* | 0.303* | 0.319* | 0.272* |
Note(s): *HTMT values should be below 0.85 to establish discriminant validity
Figures in the diagonal present the AVE values. Figures above the diagonal correspond to the constructs' squared correlations
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