Table 3

Correlation matrix and Fornell and Larcker's criterion

ScalesAVECRCorrelation matrix
PI0.7280.9410.853       
PRO0.6580.9130.6270.811      
RET0.7020.8990.7090.5350.838     
EC0.7520.9240.7550.5710.5810.867    
LAB0.5720.7990.7540.5490.5450.5620.756   
SEX1.0001.000−0.228−0.279−0.199−0.267−0.1331.000  
AGE1.0001.0000.006−0.205−0.073−0.0500.0830.2531.000 
INC1.0001.0000.037−0.137−0.032−0.0350.0070.2290.1551.000

Note(s): The square root of the average variance extracted (AVE) and correlations between constructs (off-diagonal)

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