Discriminant validity
| RN | PC | IO | DOI | PV | SE | BI | |
|---|---|---|---|---|---|---|---|
| RN | 0.86/0.84 | ||||||
| PC | 0.26/0.31 | 0.87/0.85 | |||||
| IO | −0.04/0.12 | −0.13/−0.03 | 0.82/0.79 | ||||
| DOI | −0.06/−0.02 | −0.16/−0.14 | 0.64/0.51 | 0.85/0.80 | |||
| PV | 0.42/0.33 | 0.36/0.30 | −0.55/−0.25 | −0.60/−0.44 | 0.81/0.80 | ||
| SE | 0.24/0.19 | 0.15/0.09 | −0.11/−0.23 | −0.19/−0.21 | 0.24/0.16 | 0.88/0.85 | |
| BI | 0.18/0.22 | 0.21/0.18 | −0.33/0.01 | −0.53/−0.27 | 0.60/0.56 | 0.14/0.21 | 0.73/0.81 |
| RN | PC | IO | DOI | PV | SE | BI | |
|---|---|---|---|---|---|---|---|
| RN | 0.86/0.84 | ||||||
| PC | 0.26/0.31 | 0.87/0.85 | |||||
| IO | −0.04/0.12 | −0.13/−0.03 | 0.82/0.79 | ||||
| DOI | −0.06/−0.02 | −0.16/−0.14 | 0.64/0.51 | 0.85/0.80 | |||
| PV | 0.42/0.33 | 0.36/0.30 | −0.55/−0.25 | −0.60/−0.44 | 0.81/0.80 | ||
| SE | 0.24/0.19 | 0.15/0.09 | −0.11/−0.23 | −0.19/−0.21 | 0.24/0.16 | 0.88/0.85 | |
| BI | 0.18/0.22 | 0.21/0.18 | −0.33/0.01 | −0.53/−0.27 | 0.60/0.56 | 0.14/0.21 | 0.73/0.81 |
Note(s): The first column of the coefficient value in the table reflects the e-commerce financial platform sample; the second column reflects the online banking sample, and the diagonal is the square root of the AVE value of each factor
Source(s): Table by the authors