Table 4. Discriminant validity | HTMT...

Table 4.

Discriminant validity | HTMT ratio of correlations

Construct	CONV	ENT	EXP	LOY	MON	PEOU	PU	SAT	SOC
CONV	–
ENT	0.293	–
EXP	0.812	0.375	–
LOY	0.422	0.677	0.398	–
MON	0.446	0.572	0.451	0.632	–
PEOU	0.320	0.805	0.370	0.695	0.532	–
PU	0.512	0.729	0.377	0.661	0.711	0.773	–
SAT	0.474	0.601	0.349	0.798	0.622	0.670	0.745	–
SOC	0.467	0.330	0.503	0.278	0.105	0.202	0.238	0.235	–

Construct	CONV	ENT	EXP	LOY	MON	PEOU	PU	SAT	SOC
CONV	–
ENT	0.293	–
EXP	0.812	0.375	–
LOY	0.422	0.677	0.398	–
MON	0.446	0.572	0.451	0.632	–
PEOU	0.320	0.805	0.370	0.695	0.532	–
PU	0.512	0.729	0.377	0.661	0.711	0.773	–
SAT	0.474	0.601	0.349	0.798	0.622	0.670	0.745	–
SOC	0.467	0.330	0.503	0.278	0.105	0.202	0.238	0.235	–

Note(s):

CONV = convenience; ENT = entertainment; EXP = exploration; LOY = customer loyalty; MON = monetary savings; PEOU = perceived ease of use; PU = perceived usefulness; SAT = program satisfaction; SOC = recognition and social factors

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