Table 5 Discriminant validity.

From: Bridging AI literacy and UTAUT constructs: structural equation modeling of AI adoption among Chinese university students

Construct

AI Lit

BI

EE

FC

PE

SI

Fornell–Larcker criterion

AI Lit

0.785

     

BI

0.470

0.906

    

EE

0.585

0.448

0.889

   

FC

0.328

0.308

0.304

0.866

  

PE

0.583

0.524

0.573

0.325

0.909

 

SI

0.507

0.534

0.506

0.488

0.639

0.863

Heterotrait-Monotrait ratio (HTMT)

AI Lit

      

BI

0.557

     

EE

0.682

0.493

    

FC

0.387

0.334

0.327

   

PE

0.676

0.573

0.618

0.352

  

SI

0.599

0.599

0.559

0.542

0.702