Table 3.

HTMT ratio and collinearity

 ConstructsVIF12345
1. Social commerce experience1.000     
2. Intrusiveness concerns1.8430.063    
3. Perceived usefulness1.7490.0380.436   
4. Privacy concerns1.8320.1020.2660.355  
5. Behavioural intention1.7390.0510.3740.4200.591 

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