Table 7.

Discriminant validity of constructs (heterotrait-to-monotrait ratio).

Construct	PRa	PBb	SWc	ICd	PCe	MBf	MMg	PEGRh	TRi
PR	—j	—	—	—	—	—	—	—	—
PB	–0.371	—	—	—	—	—	—	—	—
SW	–0.166	0.840	—	—	—	—	—	—	—
IC	–0.694	0.740	0.491	—	—	—	—	—	—
PC	0.563	–0.565	–0.357	–0.681	—	—	—	—	—
MB	–0.155	0.401	0.508	0.111	–0.174	–	—	—	—
MM	–0.280	0.743	0.832	0.550	–0.456	0.527	—	—	—
PEGR	–0.123	0.666	0.687	0.444	–0.378	0.432	0.667	—	—
TR	–0.403	0.800	0.659	0.762	–0.550	0.217	0.644	0.743	—

^aPR: perceived risk.

^bPB: perceived benefit.

^cSW: sharing willingness.

^dIC: information control.

^ePC: privacy concern.

^fMB: monetary benefit.

^gMM: moral motive.

^hPEGR: perceived effectiveness of government regulation.

ⁱTR: trust.

^jNot applicable.