Table 2. Latent variables correlation... | Emerald Publishing

Table 2.

Latent variables correlation matrix versus heterotrait–monotrait ratio

Heterotrait–monotrait ratio
U	G	SC	I	PU	PE	SN	NS	OPV	IR
Correlations
Ubiquity (U)	0.13	0.28	0.32	0.50	0.18	0.24	0.35	0.47	0.51
Gamification (G)	0.12	0.21	0.14	0.11	0.43	0.41	0.16	0.20	0.16
Self-congruence (SC)	0.22	0.20	0.57	0.49	0.23	0.48	0.52	0.71	0.43
Innovativeness (I)	0.29	0.12	0.49	0.36	0.35	0.51	0.54	0.43	0.42
Perceived usefulness (PU)	0.46	0.10	0.39	0.32	0.09	0.24	0.42	0.69	0.60
Perceived entertainment (PE)	0.16	0.40	0.22	0.32	0.05	0.59	0.23	0.18	0.26
Subjective norms (SN)	0.22	0.36	0.45	0.45	0.22	0.52	0.31	0.52	0.37
Novelty seeking (NS)	0.31	0.14	0.42	0.46	0.36	0.20	0.26	0.57	0.44
Overall perceived value (OPV)	0.41	0.18	0.60	0.36	0.59	0.15	0.45	0.47	0.58
Continuance intention to use m-banking	0.47	0.15	0.37	0.38	0.54	0.24	0.34	0.39	0.50

Heterotrait–monotrait ratio
U	G	SC	I	PU	PE	SN	NS	OPV	IR
Correlations
Ubiquity (U)	0.13	0.28	0.32	0.50	0.18	0.24	0.35	0.47	0.51
Gamification (G)	0.12	0.21	0.14	0.11	0.43	0.41	0.16	0.20	0.16
Self-congruence (SC)	0.22	0.20	0.57	0.49	0.23	0.48	0.52	0.71	0.43
Innovativeness (I)	0.29	0.12	0.49	0.36	0.35	0.51	0.54	0.43	0.42
Perceived usefulness (PU)	0.46	0.10	0.39	0.32	0.09	0.24	0.42	0.69	0.60
Perceived entertainment (PE)	0.16	0.40	0.22	0.32	0.05	0.59	0.23	0.18	0.26
Subjective norms (SN)	0.22	0.36	0.45	0.45	0.22	0.52	0.31	0.52	0.37
Novelty seeking (NS)	0.31	0.14	0.42	0.46	0.36	0.20	0.26	0.57	0.44
Overall perceived value (OPV)	0.41	0.18	0.60	0.36	0.59	0.15	0.45	0.47	0.58
Continuance intention to use m-banking	0.47	0.15	0.37	0.38	0.54	0.24	0.34	0.39	0.50

Notes:

Top diagonal values refer to the heterotrait–monotrait ratio between the variables; bottom diagonal values (italic) present the values of the correlation matrix