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. 2023 Nov 10;9(11):e21818. doi: 10.1016/j.heliyon.2023.e21818

Table 3.

Discriminant validity through Fornell-Larcker criterion.

Construct Mean STDEV 1 2 3 4 5 6
1. AI 4.089 0.654 0.879
2. HRF 4.097 0.589 0.461 0.815
3. PR 4.339 0.639 0.363 0.339 0.801
4. PINN 3.829 1.034 0.496 0.388 0.211 0.918
5. SMI 4.292 0.817 0.299 0.408 0.399 0.119 0.891
6. TA 4.073 0.635 0.497 0.494 0.281 0.445 0.333 0.895

Note(s): AI = Artificial intelligence, HRF = Human resource function, PR = Perceived risk, PINN = Personal innovativeness, SMI = Social media influence, TA = Technological awareness. Additionally, the square root of AVE is displayed on the diagonal and printed in bold.