Table 5

Heterotrait-monotrait ratio (HTMT)

EXESFEXRESIUSSATIUS
EXESF    
EXRES0.749   
IUS0.6920.707  
SATIUS0.8140.8320.772 

Note(s): EXESF: Effort expectancy; EXRES: Performance expectancy; IUS: Behavioral intention; SATIUS: business satisfaction

Source(s): Author's own creation

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