Table 3b.

Discriminant validity- Fornell and Larcker criterion.

Constructs	FC	SI	SE	PU	EU	AT	BI
FC	0,787
SI	0,634	0,728
SE	0,512	0,664	0,825
PU	0,485	0,641	0,642	0,781
EU	−0,054	−0,097	−0,103	−0,139	0,728
AT	0,642	0,663	0,672	0,576	−0,127	0,775
BI	0,458	0,598	0,588	0,671	−0,153	0,524	0,800
VIF	1671	2899	2296	1986	1020	2718	1368

*FL Criteria table reports square root of AVE on the diagonal and construct correlations on the lower triangle.