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Heterotrait-monotrait ratio (HTMT) for discriminant validity.
| Construct | 1 | 2 | 3 | 4 | 5 |
| 1. Offline trust |  |
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| 2. Online trust | 0.404 |  |
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| 3. Satisfaction | 0.142 | 0.155 |  |
||
| 4. Neuroticism | 0.612 | 0.361 | 0.089 |  |
|
| 5. Repurchase intention | 0.443 | 0.222 | 0.072 | 0.797 |  |
Gray box is blank, which is the standard reporting format of PLS-SEM HTMT analysis.
