Table 3 Discriminant validity IU PU TR...

Table 3

Discriminant validity

	IU	PU	TR	SN	QUAL	PII
Intention to use (IU)	0.971	0.801	0.656	0.739	0.670	0.670
Perceived usefulness (PU)	0.767	0.925	0.667	0.763	0.765	0.768
Perceived trust (TR)	0.638	0.640	0.953	0.644	0.733	0.633
Subjective norms (SN)	0.702	0.715	0.614	0.911	0.647	0.661
Perceived quality (QUAL)	0.646	0.728	0.707	0.613	0.812	0.757
Personal innovativeness (PII)	0.644	0.729	0.610	0.656	0.624	0.938

	IU	PU	TR	SN	QUAL	PII
Intention to use (IU)	0.971	0.801	0.656	0.739	0.670	0.670
Perceived usefulness (PU)	0.767	0.925	0.667	0.763	0.765	0.768
Perceived trust (TR)	0.638	0.640	0.953	0.644	0.733	0.633
Subjective norms (SN)	0.702	0.715	0.614	0.911	0.647	0.661
Perceived quality (QUAL)	0.646	0.728	0.707	0.613	0.812	0.757
Personal innovativeness (PII)	0.644	0.729	0.610	0.656	0.624	0.938

Note(s): The square roots of the AVEs are in italic on the main diagonal. The Fornell-Larcker criterion is depicted below the main diagonal. The heterotrait–monotrait (HTMT) ratio is above the main diagonal

Source(s): Own elaboration

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