HTMT ratio
| App quality | Trust | Performance expectancy | e-WOM | Use intention | Perceived risk | |
|---|---|---|---|---|---|---|
| App quality | ||||||
| Trust | 0.727 | |||||
| Performance expectancy | 0.468 | 0.679 | ||||
| e-WOM | 0.316 | 0.514 | 0.763 | |||
| Use intention | 0.533 | 0.636 | 0.762 | 0.599 | ||
| Perceived risk | 0.654 | 0.484 | 0.245 | 0.153 | 0.352 |
| App quality | Trust | Performance expectancy | e-WOM | Use intention | Perceived risk | |
|---|---|---|---|---|---|---|
| App quality | ||||||
| Trust | 0.727 | |||||
| Performance expectancy | 0.468 | 0.679 | ||||
| e-WOM | 0.316 | 0.514 | 0.763 | |||
| Use intention | 0.533 | 0.636 | 0.762 | 0.599 | ||
| Perceived risk | 0.654 | 0.484 | 0.245 | 0.153 | 0.352 |
Source(s): Authors' own creation
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