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Financial Innovation

Table 5 Discriminant Validity

From: Predicting Fintech Innovation Adoption: the Mediator Role of Social Norms and Attitudes

 

AT

SN

PBC

BI

BU

SE

Attitude (AT)

0.871

0.676

0.416

0.630

0.651

0.347

Subjective Norms (SN)

0.622

0.873

0.322

0.604

0.607

0.307

Perceived Behavioural Control (PBC)

0.356

0.289

0.828

0.157

0.207

0.710

Intention to Use (BI)

0.593

0.585

0.126

0.971

0.839

0.074

Behavioural Use (BU)

0.579

0.555

0.144

0.788

0.875

0.125

Self-Efficacy (SE)

0.312

0.293

0.642

0.067

0.041

0.938

  1. The main diagonal shows in bold the square root of the AVE
  2. The Fornell–Larcker Criterion is shown below the main diagonal, whereas the HTMT is presented above the main diagonal
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