Table 4 Matrix used to assess discriminant validity.

From: Not with the bot! The relevance of trust to explain the acceptance of chatbots by insurance customers

Latent variable

BI

ATT

PU

PEOU

TRUST

Behavioral intention (BI)

0.916

0.843

0.617

0.837

0.836

Attitude (ATT)

0.777

0.92

0.753

0.849

0.888

Perceived Usefulness (PU)

0.575

0.713

0.853

0.727

0.876

Perceived Ease to Use (PEOU)

0.771

0.800

0.686

0.913

0.895

Trust (TRUST)

0.749

0.801

0.787

0.812

0.88

  1. (1) The principal diagonal displays the square roots of the factors’ AVE. (2) The above are HTMT ratios and below the Pearson’s correlation of the constructs.
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