Table 5 Heterotrait-monotrait ratio...

Table 5

Heterotrait-monotrait ratio (HTMT)

Vietnam
	A	AIL	APU	AISE	BR	I	ID	IQ	IU	PA	PEOU	PI	PP	SI	PI x A	BR x A
AIL	0.754
APU	0.856	0.798
AISE	0.741	0.841	0.806
BR	0.817	0.760	0.830	0.723
I	0.836	0.715	0.856	0.692	0.752
ID	0.694	0.716	0.710	0.743	0.685	0.695
IQ	0.706	0.777	0.732	0.848	0.773	0.721	0.854
IU	0.489	0.608	0.516	0.628	0.511	0.549	0.617	0.681
PA	0.448	0.590	0.548	0.572	0.690	0.485	0.535	0.565	0.526
PEOU	0.773	0.729	0.801	0.759	0.766	0.762	0.665	0.688	0.533	0.527
PI	0.735	0.728	0.807	0.730	0.776	0.805	0.613	0.707	0.518	0.450	0.766
PP	0.474	0.424	0.510	0.436	0.530	0.517	0.456	0.519	0.424	0.467	0.704	0.544
SI	0.705	0.762	0.744	0.708	0.777	0.673	0.572	0.669	0.454	0.583	0.677	0.707	0.411
PI x A	0.349	0.256	0.290	0.274	0.309	0.305	0.234	0.255	0.139	0.084	0.273	0.263	0.068	0.212
BR x A	0.419	0.283	0.339	0.352	0.417	0.369	0.319	0.302	0.148	0.193	0.312	0.278	0.114	0.207	0.795

Vietnam
	A	AIL	APU	AISE	BR	I	ID	IQ	IU	PA	PEOU	PI	PP	SI	PI x A	BR x A
AIL	0.754
APU	0.856	0.798
AISE	0.741	0.841	0.806
BR	0.817	0.760	0.830	0.723
I	0.836	0.715	0.856	0.692	0.752
ID	0.694	0.716	0.710	0.743	0.685	0.695
IQ	0.706	0.777	0.732	0.848	0.773	0.721	0.854
IU	0.489	0.608	0.516	0.628	0.511	0.549	0.617	0.681
PA	0.448	0.590	0.548	0.572	0.690	0.485	0.535	0.565	0.526
PEOU	0.773	0.729	0.801	0.759	0.766	0.762	0.665	0.688	0.533	0.527
PI	0.735	0.728	0.807	0.730	0.776	0.805	0.613	0.707	0.518	0.450	0.766
PP	0.474	0.424	0.510	0.436	0.530	0.517	0.456	0.519	0.424	0.467	0.704	0.544
SI	0.705	0.762	0.744	0.708	0.777	0.673	0.572	0.669	0.454	0.583	0.677	0.707	0.411
PI x A	0.349	0.256	0.290	0.274	0.309	0.305	0.234	0.255	0.139	0.084	0.273	0.263	0.068	0.212
BR x A	0.419	0.283	0.339	0.352	0.417	0.369	0.319	0.302	0.148	0.193	0.312	0.278	0.114	0.207	0.795

China
	A	AIL	APU	AISE	BR	I	ID	IQ	IU	PA	PI	PP	SI	PI x A	BR x A
AIL
APU	0.894
AISE	0.821	0.808
BR	0.858	0.828	0.804
I	0.887	0.887	0.809	0.855
ID	0.887	0.842	0.828	0.886	0.853
IQ	0.840	0.860	0.873	0.873	0.838	0.823
IU	0.868	0.806	0.891	0.836	0.822	0.865	0.803
PA	0.865	0.866	0.851	0.889	0.824	0.846	0.894	0.804
PEOU	0.864	0.857	0.824	0.884	0.811	0.873	0.879	0.815	0.822
PI	0.865	0.847	0.828	0.874	0.802	0.878	0.869	0.859	0.815	0.815
PP	0.833	0.875	0.867	0.871	0.812	0.841	0.814	0.874	0.846	0.798	0.807
SI	0.705	0.711	0.770	0.710	0.814	0.773	0.800	0.838	0.818	0.874	0.888	0.809
PI x A	0.849	0.896	0.859	0.884	0.875	0.829	0.801	0.859	0.769	0.796	0.802	0.849	0.689
BR x A	0.678	0.673	0.670	0.687	0.663	0.682	0.707	0.699	0.753	0.699	0.751	0.678	0.614	0.619

China
AIL
APU	0.894
AISE	0.821	0.808
BR	0.858	0.828	0.804
I	0.887	0.887	0.809	0.855
ID	0.887	0.842	0.828	0.886	0.853
IQ	0.840	0.860	0.873	0.873	0.838	0.823
IU	0.868	0.806	0.891	0.836	0.822	0.865	0.803
PA	0.865	0.866	0.851	0.889	0.824	0.846	0.894	0.804
PEOU	0.864	0.857	0.824	0.884	0.811	0.873	0.879	0.815	0.822
PI	0.865	0.847	0.828	0.874	0.802	0.878	0.869	0.859	0.815	0.815
PP	0.833	0.875	0.867	0.871	0.812	0.841	0.814	0.874	0.846	0.798	0.807
SI	0.705	0.711	0.770	0.710	0.814	0.773	0.800	0.838	0.818	0.874	0.888	0.809
PI x A	0.849	0.896	0.859	0.884	0.875	0.829	0.801	0.859	0.769	0.796	0.802	0.849	0.689
BR x A	0.678	0.673	0.670	0.687	0.663	0.682	0.707	0.699	0.753	0.699	0.751	0.678	0.614	0.619

Note(s): Abbreviations: IU, Information Understandability; ID, Information Diagnosticity; IQ, Information Quality; AISE, AI Self-Efficacy; PA, Perceived Accountability; AIL, AI Literacy; SI, Social Influence; PP, Perceived Privacy Control; PI, Personal Innovativeness; BR, Brand Reputation; PEOU, Perceived ease to use; APU, Assessment Perceived Utility; A, Acceptance; I, Intention

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