Table 4 Discriminant validity.
Fornell–Larcker criterion | PE | EE | SI | FC | PC | PR | FA | TIF | PI | BI |
|---|---|---|---|---|---|---|---|---|---|---|
Performance expectancy (PE) | 0.792 | |||||||||
Effort expectancy (EE) | 0.200 | 0.764 | ||||||||
Social influence (SI) | 0.220 | 0.603 | 0.757 | |||||||
Facilitating conditions (FC) | 0.246 | 0.563 | 0.589 | 0.744 | ||||||
Privacy concerns (PC) | −0.120 | −0.445 | −0.436 | −0.416 | 0.767 | |||||
Perceived risks (PR) | −0.194 | −0.446 | -0.427 | −0.354 | 0.503 | 0.860 | ||||
Familiarity (FA) | 0.122 | 0.268 | 0.271 | 0.216 | −0.285 | −0.360 | 0.872 | |||
Trust in FRP (TIF) | 0.217 | 0.546 | 0.536 | 0.519 | −0.418 | −0.360 | 0.396 | 0.815 | ||
Personal innovativeness (PI) | 0.142 | 0.535 | 0.490 | 0.531 | −0.433 | −0.401 | 0.275 | 0.492 | 0.764 | |
Behavioral intention to use FRP (BI) | 0.319 | 0.575 | 0.592 | 0.592 | −0.362 | −0.270 | 0.269 | 0.557 | 0.496 | 0.747 |
Heterotrait–monotrait ratio | ||||||||||
Performance expectancy (PE) | ||||||||||
Effort expectancy (EE) | 0.256 | |||||||||
Social influence (SI) | 0.281 | 0.797 | ||||||||
Facilitating conditions (FC) | 0.322 | 0.753 | 0.795 | |||||||
Privacy concerns (PC) | 0.148 | 0.578 | 0.573 | 0.553 | ||||||
Perceived risks (PR) | 0.229 | 0.541 | 0.525 | 0.440 | 0.611 | |||||
Familiarity (FA) | 0.145 | 0.324 | 0.330 | 0.267 | 0.344 | 0.405 | ||||
Trust in FRP (TIF) | 0.264 | 0.680 | 0.672 | 0.660 | 0.515 | 0.412 | 0.455 | |||
Personal innovativeness (PI) | 0.182 | 0.700 | 0.646 | 0.707 | 0.567 | 0.493 | 0.335 | 0.608 | ||
Behavioral intention to use FRP (BI) | 0.411 | 0.763 | 0.792 | 0.803 | 0.474 | 0.330 | 0.328 | 0.703 | 0.658 | |
