Table 4

Discriminant validity Fornell and Larcker criterion

ATBIEEPSPTPE
Attitude (AT)0.810     
Behavioural Intention (BI)0.6910.904    
Effort Expectancy (EE)0.6650.5630.794   
Perceived Security (PS)0.6110.6060.6330.728  
Perceived Trust (PT)0.6360.4790.6330.5840.765 
Performance Expectancy (PE)0.7230.7440.6260.6590.6120.814
Source(s): The researchers' own work

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