Table 3 Discriminant validity AS AT CH...

Table 3

Discriminant validity

	AS	AT	CH	CO	EN	EU	INS	IU	NI	RE	SA	TA	TS
AS	0.806
AT	0.402^***	0.858
CH	0.242^***	0.397^***	0.950
CO	0.418^***	0.276^***	0.385^***	0.851
EN	0.517^***	0.537^***	0.593^***	0.513^***	0.928
EU	0.431^***	0.259^***	0.173^***	0.481^***	0.502^***	0.933
INS	0.427^***	0.416^***	0.475^***	0.474^***	0.701^***	0.536^***	0.848
IU	0.647^***	0.386^***	0.206^***	0.499^***	0.544^***	0.555^***	0.497^***	0.925
NI	−0.613^***	−0.249^***	0.063^ns	−0.122^ns	−0.142^*	−0.189^***	−0.098^ns	−0.503^***	0.875
RE	0.441^***	0.233^**	0.171^*	0.610^***	0.523	0.686^***	0.510^***	0.544^***	−0.184^**	0.766
SA	0.038^ns	−0.076^ns	−0.064^ns	−0.135^ns	−0.027^ns	−0.146^ns	−0.243^*	−0.121^ns	−0.126^ns	−0.264^**	0.814
TA	−0.420^***	−0.226^**	−0.066^ns	−0.363^***	−0.397^***	−0.595^***	−0.602^***	−0.481^***	0.194^**	−0.538^***	0.120^ns	0.754
TS	0.488^***	0.340^***	0.237^**	0.527^***	0.588^***	0.660^***	0.611^***	0.597^***	−0.152^*	0.672^***	−0.197^ns	−0.591^***	0.811

	AS	AT	CH	CO	EN	EU	INS	IU	NI	RE	SA	TA	TS
AS	0.806
AT	0.402^***	0.858
CH	0.242^***	0.397^***	0.950
CO	0.418^***	0.276^***	0.385^***	0.851
EN	0.517^***	0.537^***	0.593^***	0.513^***	0.928
EU	0.431^***	0.259^***	0.173^***	0.481^***	0.502^***	0.933
INS	0.427^***	0.416^***	0.475^***	0.474^***	0.701^***	0.536^***	0.848
IU	0.647^***	0.386^***	0.206^***	0.499^***	0.544^***	0.555^***	0.497^***	0.925
NI	−0.613^***	−0.249^***	0.063^ns	−0.122^ns	−0.142^*	−0.189^***	−0.098^ns	−0.503^***	0.875
RE	0.441^***	0.233^**	0.171^*	0.610^***	0.523	0.686^***	0.510^***	0.544^***	−0.184^**	0.766
SA	0.038^ns	−0.076^ns	−0.064^ns	−0.135^ns	−0.027^ns	−0.146^ns	−0.243^*	−0.121^ns	−0.126^ns	−0.264^**	0.814
TA	−0.420^***	−0.226^**	−0.066^ns	−0.363^***	−0.397^***	−0.595^***	−0.602^***	−0.481^***	0.194^**	−0.538^***	0.120^ns	0.754
TS	0.488^***	0.340^***	0.237^**	0.527^***	0.588^***	0.660^***	0.611^***	0.597^***	−0.152^*	0.672^***	−0.197^ns	−0.591^***	0.811

Note(s): Significance level: * p-value < 0.05, ** p-value < 0.01, *** p-value < 0.001 and ns – not significance

AS – avoidance of service employee; AT – attractiveness; CH – challenges; CO – control; EN – enjoyment; EU – ease of use; INS – inherent novelty seek;

IU – intention of usage; NI – need of interaction; RE – reliability; SA – social anxiety; TA – technology anxiety; and TS – time saving

Diagonal values are the square root of the AVE

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