Table 3

Discriminant validity HTMT

ATBIEEPSPTPE
Attitude (AT)      
Behavioural Intention (BI)0.855     
Effort Expectancy (EE)0.8980.704    
Perceived Security (PS)0.7480.6580.835   
Perceived Trust (PT)0.8000.5570.8520.771  
Performance Expectancy (PE)0.8860.8660.8130.7670.786 
Source(s): The researchers' own work

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