Discriminant validity Fornell and Larcker criterion
| AT | BI | EE | PS | PT | PE | |
|---|---|---|---|---|---|---|
| Attitude (AT) | 0.810 | |||||
| Behavioural Intention (BI) | 0.691 | 0.904 | ||||
| Effort Expectancy (EE) | 0.665 | 0.563 | 0.794 | |||
| Perceived Security (PS) | 0.611 | 0.606 | 0.633 | 0.728 | ||
| Perceived Trust (PT) | 0.636 | 0.479 | 0.633 | 0.584 | 0.765 | |
| Performance Expectancy (PE) | 0.723 | 0.744 | 0.626 | 0.659 | 0.612 | 0.814 |
| AT | BI | EE | PS | PT | PE | |
|---|---|---|---|---|---|---|
| Attitude (AT) | 0.810 | |||||
| Behavioural Intention (BI) | 0.691 | 0.904 | ||||
| Effort Expectancy (EE) | 0.665 | 0.563 | 0.794 | |||
| Perceived Security (PS) | 0.611 | 0.606 | 0.633 | 0.728 | ||
| Perceived Trust (PT) | 0.636 | 0.479 | 0.633 | 0.584 | 0.765 | |
| Performance Expectancy (PE) | 0.723 | 0.744 | 0.626 | 0.659 | 0.612 | 0.814 |
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