Table 3.

Analysis of discriminant validity

ConstructsPUPPICUOut_QPROC_Q
Perceived usefulness0.8950.3970.6940.7190.715
Perceived privacy0.396***0.9010.4020.3790.435
Intention to continue use0.737***0.433***0.8060.5000.474
Outcome quality0.730***0.388***0.546***0.7840.659
Process quality0.704***0.401***0.500***0.650***0.838

Notes:

The italic values on the diagonal represent the square root of the average variance extracted (AVE) for each construct and the data below the diagonal are the correlations between constructs (Anderson and Gerbing, 1988). ***p < 0.001. The data above the diagonal are the heterotrait-monotrait (HTMT) ratio of correlations

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