Table 3 Discriminant validity.

From: Exploring the resistance to e-health services in Nigeria: an integrative model based upon the theory of planned behavior and stimulus-organism-response

Construct

CHO

CO

HL

INTU

NA

NAB

PBC

PR

SN

(a) The Fornell-Larcker criterion: latent variable correlation and the square root of AVE

CHO

0.92

        

CO

0.31

0.89

       

HL

0.27

0.26

0.90

      

INTU

0.24

0.23

0.32

0.96

     

NA

0.24

0.22

0.19

0.50

0.96

    

NAB

0.19

0.23

0.28

0.40

0.32

0.94

   

PBC

0.11

0.11

0.03

−0.13

0.03

0.13

0.90

  

PR

0.24

0.20

0.24

0.32

0.44

0.25

−0.004

0.94

 

SN

0.21

0.20

0.24

0.36

0.31

0.34

0.03

0.38

0.90

(b) Heterotrait-Monotrait (HTMT) ratio

CHO

-

        

CO

0.33

-

       

HL

0.29

0.27

-

      

INTU

0.26

0.23

0.33

-

     

NA

0.26

0.22

0.19

0.52

-

    

NAB

0.20

0.24

0.298

0.396

0.337

-

   

PBC

0.138

0.123

0.07

0.10

0.09

0.15

-

  

PR

0.26

0.22

0.26

0.34

0.47

0.26

0.05

-

 

SN

0.23

0.21

0.26

0.37

0.31

0.36

0.06

0.41

-

  1. N/B: The figures in bold are the square roots of AVE; the rest denote correlations.
  2. CO communication overload, CHO choice overload, PR perceived risk, HL health literacy, NA negative attitude, SN subjective norms, PBC perceived behavioral control, INTU intention not to use eHS, NAB non-adoption behavior.
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