Table 3

Convergent validity analysis results and correlations

 12345678
1. OBA acceptance0.885       
2. OBA avoidance−0.1410.726      
3. Behavioral intention0.526−0.2580.945     
4. Click intention0.469−0.1770.6431.000    
5. OBA credibility0.554−0.3320.7320.550.862   
6. Privacy concerns−0.0660.496−0.174−0.009−0.3070.922  
7. OBA relevance0.606−0.3940.6810.5040.690−0.1130.833 
8. OBA perceived usefulness0.498−0.2600.5420.3310.4740.0080.7260.952

Note(s): On the diagonal: square root of AVEs. Below the diagonal: correlations. The square roots of AVEs (in italic) are larger than off-diagonal elements in their corresponding row and column for all cases

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