Table 2 Discriminant validity At EB GS... | Emerald Publishing

Table 2

Discriminant validity

	At	EB	GS	IN	FI	RG	VC
Fornell–Larcker criterion
Attitude (AT)	0.940
Economic benefit (EB)	0.599	0.936
Government support (GS)	0.259	0.210	0.912
Innovativeness (IN)	0.586	0.519	0.267	0.915
Fintech intention (FI)	0.646	0.490	0.287	0.560	0.967
Regulation (RG)	0.193	0.113	0.668	0.172	0.264	0.906
Value for change (VC)	0.754	0.585	0.280	0.698	0.622	0.174	0.926
Heterotrait-Monotrait ratio
Attitude (AT)
Economic benefit (EB)	0.642
Government support (GS)	0.273	0.223
Innovativeness (IN)	0.635	0.562	0.282
Fintech intention (FI)	0.680	0.517	0.299	0.595
Regulation (RG)	0.203	0.119	0.714	0.182	0.274
Value for Change (VC)	0.811	0.632	0.300	0.765	0.659	0.184

	At	EB	GS	IN	FI	RG	VC
Fornell–Larcker criterion
Attitude (AT)	0.940
Economic benefit (EB)	0.599	0.936
Government support (GS)	0.259	0.210	0.912
Innovativeness (IN)	0.586	0.519	0.267	0.915
Fintech intention (FI)	0.646	0.490	0.287	0.560	0.967
Regulation (RG)	0.193	0.113	0.668	0.172	0.264	0.906
Value for change (VC)	0.754	0.585	0.280	0.698	0.622	0.174	0.926
Heterotrait-Monotrait ratio
Attitude (AT)
Economic benefit (EB)	0.642
Government support (GS)	0.273	0.223
Innovativeness (IN)	0.635	0.562	0.282
Fintech intention (FI)	0.680	0.517	0.299	0.595
Regulation (RG)	0.203	0.119	0.714	0.182	0.274
Value for Change (VC)	0.811	0.632	0.300	0.765	0.659	0.184

Note(s): The off-diagonal values (italic) in the above matrix are the square correlations between the latent constructs and diagonals are AVEs. HTMT<0.85