Table 3. Discriminant validity...

Table 3.

Discriminant validity

Constructs	1	2	3	4	5	6	7	8	9	10
Fornell and Larcker’s procedure
1. Financial risk	0.843
2. Performance risk	0.817	0.855
3. Security and privacy risk	0.612	0.642	0.871
4. Social risk	0.591	0.59	0.518	0.915
5. Amount of public information	0.215	0.297	0.201	0.024	0.934
6. Social media information-seeking	0.344	0.362	0.417	0.563	0.362	0.928
7. Rational decision style	0.152	0.236	0.235	0.103	0.471	0.158	0.915
8. Intuitive decision style	0.196	0.206	0.285	0.376	0.152	0.489	0.257	0.838
9. Initial trust	0.344	0.424	0.383	0.368	0.62	0.622	0.412	0.381	0.890
10. Behavioural intention	0.259	0.295	0.299	0.56	0.183	0.572	0.103	0.462	0.613	0.925
Heterotrait–monotrait (HTMT) ratio of correlations
1. Financial risk
2. Performance risk	0.961
3. Security and privacy risk	0.698	0.767
4. Social risk	0.652	0.672	0.587
5. Amount of public information	0.229	0.34	0.219	0.045
6. Social media information-seeking	0.380	0.414	0.478	0.605	0.386
7. Rational decision style	0.159	0.270	0.257	0.113	0.494	0.164
8. Intuitive decision style	0.222	0.236	0.324	0.407	0.163	0.538	0.274
9. Initial trust	0.378	0.488	0.432	0.394	0.665	0.679	0.439	0.419
10. Behavioural intention	0.288	0.338	0.345	0.600	0.195	0.623	0.114	0.511	0.666

Constructs	1	2	3	4	5	6	7	8	9	10
Fornell and Larcker’s procedure
1. Financial risk	0.843
2. Performance risk	0.817	0.855
3. Security and privacy risk	0.612	0.642	0.871
4. Social risk	0.591	0.59	0.518	0.915
5. Amount of public information	0.215	0.297	0.201	0.024	0.934
6. Social media information-seeking	0.344	0.362	0.417	0.563	0.362	0.928
7. Rational decision style	0.152	0.236	0.235	0.103	0.471	0.158	0.915
8. Intuitive decision style	0.196	0.206	0.285	0.376	0.152	0.489	0.257	0.838
9. Initial trust	0.344	0.424	0.383	0.368	0.62	0.622	0.412	0.381	0.890
10. Behavioural intention	0.259	0.295	0.299	0.56	0.183	0.572	0.103	0.462	0.613	0.925
Heterotrait–monotrait (HTMT) ratio of correlations
1. Financial risk
2. Performance risk	0.961
3. Security and privacy risk	0.698	0.767
4. Social risk	0.652	0.672	0.587
5. Amount of public information	0.229	0.34	0.219	0.045
6. Social media information-seeking	0.380	0.414	0.478	0.605	0.386
7. Rational decision style	0.159	0.270	0.257	0.113	0.494	0.164
8. Intuitive decision style	0.222	0.236	0.324	0.407	0.163	0.538	0.274
9. Initial trust	0.378	0.488	0.432	0.394	0.665	0.679	0.439	0.419
10. Behavioural intention	0.288	0.338	0.345	0.600	0.195	0.623	0.114	0.511	0.666

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