Table 3. Discriminant validity using...

Table 3.

Discriminant validity using HTMT

Constructs	MU	MEOU	ATT	PT	PR	PI	GS
MU
MEOU	0.7670
ATT	0.8340	0.8590
PT	0.4400	0.5690	0.5400
PR	0.1807	0.3200	0.2140	0.7240
PI	0.4500	0.5690	0.5200	0.6020	0.4510
GS	0.5730	0.5430	0.5760	0.5330	0.3500	0.4530
BI	0.7170	0.6410	0.6960	0.5440	0.3580	0.6980	0.6620

Constructs	MU	MEOU	ATT	PT	PR	PI	GS
MU
MEOU	0.7670
ATT	0.8340	0.8590
PT	0.4400	0.5690	0.5400
PR	0.1807	0.3200	0.2140	0.7240
PI	0.4500	0.5690	0.5200	0.6020	0.4510
GS	0.5730	0.5430	0.5760	0.5330	0.3500	0.4530
BI	0.7170	0.6410	0.6960	0.5440	0.3580	0.6980	0.6620

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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