Table 3.

Fornell-Larcker Criterion and Heterotrait-Monotrait (HTMT)

	Fornell-Larcker Criterion				HTMT
	EWB	WFC	JS	WE	EWB	WFC	JS	WE
EWB	0.808
WFC	-0.588	0.740			0.625
JS	0.764	-0.572	0.849		0.797	0.614
WE	0.702	-0.419	0.568	0.968	0.725	0.453	0.594