Table 4 Discriminant validity using...

Table 4

Discriminant validity using heterotrait–monotrait (HTMT) ratio

Variable	CDV	CUI	EMV	EPV	FNV
Discriminant validity (overall model)
CDV
CUI	0.500
EMV	0.555	0.561
EPV	0.640	0.693	0.594
FNV	0.515	0.588	0.664	0.538
SCV	0.344	0.523	0.685	0.484	0.554
Discriminant validity (Generation X)
CDV
CUI	0.656
EMV	0.616	0.647
EPV	0.632	0.645	0.585
FNV	0.647	0.761	0.694	0.564
SCV	0.429	0.457	0.794	0.468	0.642
Discriminant validity (Generation Y)
CDV
CUI	0.445
EMV	0.464	0.531
EPV	0.598	0.747	0.565
FNV	0.443	0.503	0.646	0.562
SCV	0.398	0.571	0.693	0.531	0.555
Discriminant validity (Generation Z)
CDV
CUI	0.464
EMV	0.565	0.565
EPV	0.667	0.707	0.620
FNV	0.501	0.611	0.652	0.533
SCV	0.283	0.541	0.626	0.476	0.514

Variable	CDV	CUI	EMV	EPV	FNV
Discriminant validity (overall model)
CDV
CUI	0.500
EMV	0.555	0.561
EPV	0.640	0.693	0.594
FNV	0.515	0.588	0.664	0.538
SCV	0.344	0.523	0.685	0.484	0.554
Discriminant validity (Generation X)
CDV
CUI	0.656
EMV	0.616	0.647
EPV	0.632	0.645	0.585
FNV	0.647	0.761	0.694	0.564
SCV	0.429	0.457	0.794	0.468	0.642
Discriminant validity (Generation Y)
CDV
CUI	0.445
EMV	0.464	0.531
EPV	0.598	0.747	0.565
FNV	0.443	0.503	0.646	0.562
SCV	0.398	0.571	0.693	0.531	0.555
Discriminant validity (Generation Z)
CDV
CUI	0.464
EMV	0.565	0.565
EPV	0.667	0.707	0.620
FNV	0.501	0.611	0.652	0.533
SCV	0.283	0.541	0.626	0.476	0.514

Source: Created by authors

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