Table 5 Discriminant validity based on the Fornell-Larcker criterion and HTMT ratio

SN

0.905

AB

0.563

0.854

PBC

0.523

0.464

0.855

IN

0.521

0.650

0.697

0.915

B

0.269

0.095

0.408

0.295

0.904

HA

0.461

0.433

0.561

0.552

0.473

0.886

CA

0.502

0.671

0.475

0.603

0.215

0.531

0.900

PU

0.431

0.682

0.432

0.571

0.137

0.454

0.750

0.870

PQ

0.311

0.415

0.321

0.368

0.255

0.422

0.630

0.506

0.872

Heterotrait-Monotrait ratio (HTMT)

SN

–

AB

0.617

PBC

0.574

0.518

IN

0.556

0.716

0.758

B

0.292

0.137

0.453

0.316

HA

0.500

0.480

0.623

0.597

0.525

CA

0.551

0.762

0.533

0.664

0.235

0.590

PU

0.458

0.754

0.468

0.609

0.145

0.488

0.824

PQ

0.349

0.483

0.369

0.412

0.291

0.481

0.731

0.569

–