Table 4.

Test for discriminant validity

	Adaptability	Algorithm	Cooperation	Data	Ethical Concerns	Individual Ethics	Resp AI	Risk Mitigation	Service Ethics	Technical Skill	Transparency
Adaptability	0.72
Algorithm	0.55	0.735
Cooperation	0.415	0.502	0.822
Data	0.27	0.302	0.158	0.71
Ethical Concerns	0.182	0.112	0.196	0.016	0.644
Individual Ethics	0.179	0.084	0.177	0.002	0.844	0.733
Resp AI	0.71	0.761	0.63	0.448	0.577	0.49	NA
Risk Mitigation	0.834	0.659	0.738	0.267	0.232	0.203	0.844	0.617
Service Ethics	0.149	0.11	0.172	0.026	0.923	0.572	0.529	0.208	0.718
Technical Skill	0.538	0.883	0.447	0.713	0.075	0.063	0.78	0.616	0.069	0.581
Transparency	0.590	0.565	0.505	0.214	0.195	0.149	0.727	0.875	0.19	0.521	0.73

*Diagonal elements are the square root of AVE.