Table 4. Discriminant validity of the...

Table 4.

Discriminant validity of the measurement model

Construct	Fornell/Larcker criterion			Heterotrait–Monotrait Ratio
Construct	OB	CS	CL	OB	CS	CL
OB	(0.885)	(0.192)	0.297
CS	0.192	(0.869)	0.583	0.218
CL	0.297	0.583	(0.910)	0.323	0.646

Construct	Fornell/Larcker criterion	Heterotrait–Monotrait Ratio
OB	(0.885)	(0.192)	0.297
CS	0.192	(0.869)	0.583	0.218
CL	0.297	0.583	(0.910)	0.323	0.646

Notes:

OB: objectives of Islamic banking; CS: customer satisfaction; CL: customer loyalty, Significance of the square root of the AVE as shown on the diagonal for each construct was higher than the other constructs

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