Table 3.

Discriminant validity using HTMT

ConstructsMUMEOUATTPTPRPIGSBI
MU        
MEOU0.7670       
ATT0.83400.8590      
PT0.44000.56900.5400     
PR0.18070.32000.21400.7240    
PI0.45000.56900.52000.60200.4510   
GS0.57300.54300.57600.53300.35000.4530  
BI0.71700.64100.69600.54400.35800.69800.6620 

Notes:

MU = mobile usefulness; MEOU = mobile ease of use; ATT = attitudes; PT = perceived trust; PR = perceived risk; PI = personal innovativeness; GS = government support; BI = behavioural intention

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