Table 4.

Discriminant validity

	BI	PCR	PE	PEU	PIIT	PU	SE
BI	0.916	0.733	0.764	0.564	0.788	0.811	0.682
PCR	-0.658	0.863	0.64	0.476	0.770	0.728	0.591
PE	0.681	-0.566	0.855	0.604	0.746	0.764	0.701
PEU	0.510	-0.426	0.538	0.877	0.626	0.580	0.555
PIIT	0.719	-0.696	0.670	0.569	0.896	0.764	0.693
PU	0.741	-0.658	0.688	0.529	0.703	0.900	0.674
SE	0.602	-0.517	0.608	0.488	0.617	0.600	0.884

Fornell–Larcker criterion (below the main diagonal) and Heterotrait–Monotrait Ratio (HTMT) (above the main diagonal).

Main diagonal: in bold, square root of the AVE.