Table 2 Latent and observed variables'...

Table 2

Latent and observed variables' reliability and validity

		Fornell-Larcker criterion									HTMT
	Construct	1	2	3	4	5	6	7	8	9	1	2	3	4	5	6	7	8	9	α	rho_A	CR	AVE
1	BI	0.748																		0.802	0.809	0.864	0.56
2	BNV	0.236	0.713								0.354									0.678	0.689	0.804	0.508
3	CBDC UB	0.573	0.265	0.759							0.801	0.403								0.631	0.625	0.802	0.576
4	CNF	0.438	0.29	0.35	0.716						0.579	0.445	0.518							0.686	0.7	0.808	0.513
5	EE	0.715	0.241	0.505	0.409	0.734					0.889	0.438	0.814	0.658						0.683	0.718	0.877	0.539
6	FC	0.772	0.214	0.542	0.516	0.675	0.78				0.878	0.349	0.751	0.692	0.95					0.783	0.797	0.861	0.608
7	PE	0.229	0.361	0.315	0.318	0.137	0.188	0.724			0.354	0.576	0.512	0.506	0.347	0.338				0.66	0.673	0.866	0.524
8	SCR	0.308	0.646	0.261	0.4	0.335	0.316	0.333	0.724		0.373	0.885	0.427	0.562	0.554	0.42	0.544			0.724	0.688	0.813	0.525
9	SI	0.764	0.222	0.529	0.453	0.673	0.847	0.18	0.265	0.818	0.895	0.303	0.714	0.588	0.89	0.888	0.289	0.314		0.834	0.839	0.89	0.669

		Fornell-Larcker criterion									HTMT
	Construct	1	2	3	4	5	6	7	8	9	1	2	3	4	5	6	7	8	9	α	rho_A	CR	AVE
1	BI	0.748																		0.802	0.809	0.864	0.56
2	BNV	0.236	0.713								0.354									0.678	0.689	0.804	0.508
3	CBDC UB	0.573	0.265	0.759							0.801	0.403								0.631	0.625	0.802	0.576
4	CNF	0.438	0.29	0.35	0.716						0.579	0.445	0.518							0.686	0.7	0.808	0.513
5	EE	0.715	0.241	0.505	0.409	0.734					0.889	0.438	0.814	0.658						0.683	0.718	0.877	0.539
6	FC	0.772	0.214	0.542	0.516	0.675	0.78				0.878	0.349	0.751	0.692	0.95					0.783	0.797	0.861	0.608
7	PE	0.229	0.361	0.315	0.318	0.137	0.188	0.724			0.354	0.576	0.512	0.506	0.347	0.338				0.66	0.673	0.866	0.524
8	SCR	0.308	0.646	0.261	0.4	0.335	0.316	0.333	0.724		0.373	0.885	0.427	0.562	0.554	0.42	0.544			0.724	0.688	0.813	0.525
9	SI	0.764	0.222	0.529	0.453	0.673	0.847	0.18	0.265	0.818	0.895	0.303	0.714	0.588	0.89	0.888	0.289	0.314		0.834	0.839	0.89	0.669

Note(s): Behavioural intention = BI; Benevolence = BNV; CBDC Use Behaviour = CBDC UB; Conformity = CNF; Effort Expectancy = EE; Facilitating Conditions = FC; Performance Expectancy = PE; Security = SCR; Social Influence = SI; Heterotrait–monotrait ratio

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