Table 3 Discriminant validity... | Emerald Publishing

Table 3

Discriminant validity

Fornell–Larcker Criterion/Heterotrait-Monotrait ratio (HTMT)
	1	2	3	4	5	6
1. Reduced Cost	0.90	0.84	0.81	0.74	0.81	0.52
2. Efficiency and Security	0.78	0.89	0.82	0.61	0.88	0.50
3. Perceived Usefulness	0.75	0.77	0.91	0.82	0.84	0.60
4. Perceived Ease of Use	0.68	0.57	0.75	0.91	0.66	0.63
5. Attitude	0.73	0.79	0.76	0.59	0.82	0.59
6. Behavioral Intention	0.47	0.46	0.54	0.57	0.52	0.90

Fornell–Larcker Criterion/Heterotrait-Monotrait ratio (HTMT)
	1	2	3	4	5	6
1. Reduced Cost	0.90	0.84	0.81	0.74	0.81	0.52
2. Efficiency and Security	0.78	0.89	0.82	0.61	0.88	0.50
3. Perceived Usefulness	0.75	0.77	0.91	0.82	0.84	0.60
4. Perceived Ease of Use	0.68	0.57	0.75	0.91	0.66	0.63
5. Attitude	0.73	0.79	0.76	0.59	0.82	0.59
6. Behavioral Intention	0.47	0.46	0.54	0.57	0.52	0.90

Note(s): The diagonal italic is the square root of average variance extracted (AVE). Above diagonal non-italic numbers represent the HTMT values