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

Table 4.

Discriminant validity through HTMT.

Construct	1	2	3	4	5
1. AI
2. HRF	0.511
3. PR	0.387	0.372
4. PINN	0.522	0.424	0.223
5. SMI	0.317	0.447	0.434	0.122
6. TA	0.524	0.533	0.295	0.467	0.351

Note(s): AI = Artificial intelligence, HRF = Human resource function, PR = Perceived risk, PINN = Personal innovativeness, SMI = Social media influence, TA = Technological awareness.