Table 3

Discriminant validity

IUPUTRSNQUALPII
Intention to use (IU)0.9710.8010.6560.7390.6700.670
Perceived usefulness (PU)0.7670.9250.6670.7630.7650.768
Perceived trust (TR)0.6380.6400.9530.6440.7330.633
Subjective norms (SN)0.7020.7150.6140.9110.6470.661
Perceived quality (QUAL)0.6460.7280.7070.6130.8120.757
Personal innovativeness (PII)0.6440.7290.6100.6560.6240.938

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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