Table 3.

Correlation matrix and discriminant assessment.

Construct	1	2	3	4	5	6	7	8	9
1. Continuance Intention	0.934
2. ICT Skill	0.598	0.944
3. ICT Infrastructure	0.636	0.706	0.921
4. Perceived Usefulness	0.772	0.664	0.648	0.949
5. Perceived Ease of Use	0.540	0.524	0.499	0.584	0.868
6. System Quality	0.591	0.574	0.528	0.566	0.516	0.848
7. Information Quality	0.691	0.580	0.613	0.792	0.559	0.614	0.874
8. Top Management Support	0.646	0.471	0.650	0.546	0.441	0.526	0.637	0.938
9. Service Quality	0.601	0.490	0.592	0.609	0.612	0.548	0.716	0.569	0.900

Note: Diagonal elements are the square root of AVE.