Do biometric payment systems work during the COVID-19 pandemic? Insights from the Spanish users' viewpoint

Financial Innovation

Table 5 Discriminant validity of the measures

	CON	EE	HAB	IU	PTR	PU	PPIT	SN	RECOM
CON	0.889	0.714	0.768	0.775	0.789	0.706	0.863	0.725	0.518
EE	0.656	0.966	0.552	0.513	0.501	0.455	0.662	0.712	0.334
HAB	0.696	0.501	0.913	0.846	0.747	0.742	0.851	0.766	0.611
IU	0.711	0.473	0.774	0.959	0.834	0.751	0.832	0.738	0.581
PTR	0.730	0.466	0.696	0.775	0.917	0.680	0.802	0.686	0.549
PU	0.640	0.415	0.674	0.683	0.628	0.866	0.760	0.628	0.644
PPIT	0.780	0.603	0.768	0.754	0.737	0.686	0.911	0.798	0.538
SN	0.672	0.665	0.706	0.685	0.646	0.579	0.734	0.919	0.459
RECOM	0.470	0.305	0.549	0.524	0.505	0.576	0.482	0.421	0.869

Note. Main diagonal: in bold square root of the AVE
Fornell-Larcker criterion (below the main diagonal) and HTMT ratio (above the main diagonal)
CON, Convenience; EE, Effort expentancy; HAB, Habit; IU, Intention to use; PTR, Perceived trust; PU, Perceived usefulness; PPIT, Personal innovation; SN, Subjective norms; RECOM, intention to recommend