Table 3

HTMT ratio

CBsCICSDPMEEHPEPVSIVTO
Chat bots          
Continued intention0.599         
Customer satisfaction0.6210.889        
Digital payment mode0.5960.7680.744       
Effort expectancy0.8920.5500.6000.537      
Habit0.2910.5400.5410.4470.295     
Performance expectancy0.7870.7100.7500.6590.8240.469    
Price value0.5940.7620.7930.7760.6230.4950.718   
Social influence0.4040.5160.5540.5720.4000.7070.5480.540  
Virtual try-on technology0.4290.6790.6670.5950.4170.6710.5660.6810.637 
Source(s): Authors’ calculations with PLS-SEM

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