Table 3.
Correlation coefficient matrix and square root of average variance extracted of latent variables.
| Constructs | Perceived usefulness | Perceived ease of use | Privacy risk | Performance risk | Legal concern | Trust | Adoption intention |
| Perceived usefulness | 0.790a | —b | — | — | — | — | — |
| Perceived ease of use | 0.401 | 0.765a | — | — | — | — | — |
| Privacy risk | −0.121 | −0.058 | 0.848a | — | — | — | — |
| Performance risk | −0.086 | −0.212 | 0.155 | 0.764a | — | — | — |
| Legal concern | −0.069 | −0.144 | 0.316 | 0.412 | 0.819a | — | — |
| Trust | 0.310 | 0.321 | −0.288 | −0.227 | −0.245 | 0.782a | — |
| Adoption intention | 0.440 | 0.233 | −0.247 | −0.185 | −0.119 | 0.438 | 0.810a |
aSquare root of average variance extracted.
bNot applicable.