Construct	DIS	IQ	INN	INS	OPT	PU	SVQ	SN	SQ	USE	US
Discomfort (DIS)
Information Quality (IQ)	0.223 CI.90 (0.097, 0.369)
Innovativeness (INN)	0.082 CI.90 (0.041, 0.066)	0.625 CI.90 (0.525, 0.720)
Insecurity (INS)	0.637 CI.90 (0.502, 0.769)	0.212 CI.90 (0.093, 0.330)	0.134 CI.90 (0.068, 0.170)
Optimism (OPT)	0.146 CI.90 (0.049, 0.279)	0.743 CI.90 (0.667, 0.805)	0.757 CI.90 (0.664, 0.819)	0.123 CI.90 (0.045, 0.214)
Perceived Usefulness (PU)	0.202 CI.90 (0.096, 0.338)	0.863 CI.90 (0.783, 0.916)	0.619 CI.90 (0.525, 0.712)	0.179 CI.90 (0.066, 0.311)	0.757 CI.90 (0.676, 0.812)
Service Quality (SVQ)	0.246 CI.90 (0.111, 0.399)	0.898 CI.90 (0.840, 0.942)	0.603 CI.90 (0.504, 0.707)	0.200 CI.90 (0.086, 0.326)	0.730 CI.90 (0.663, 0.783)	0.903 CI.90 (0.863, 0.936)
Subjective Norm (SN)	0.258 CI.90 (0.121, 0.409)	0.853 CI.90 (0.790, 0.917)	0.635 CI.90 (0.543, 0.727)	0.182 CI.90 (0.071, 0.322)	0.805 CI.90 (0.750, 0.859)	0.941 CI.90 (0.899, 0.983)	0.896 CI.90 (0.849, 0.943)
System Quality (SQ)	0.197 CI.90 (0.097, 0.338)	0.944 CI.90 (0.902, 0.970)	0.63 CI.90 (0.536, 0.714)	0.201 CI.90 (0.095, 0.321)	0.767 CI.90 (0.703, 0.821)	0.928 CI.90 (0.897, 0.949)	0.958 CI.90 (0.921, 0.976)	0.896 CI.90 (0.849, 0.939)
IoTbs Use (USE)	0.192 CI.90 (0.094, 0.327)	0.868 CI.90 (0.817, 0.904)	0.652 CI.90 (0.567, 0.731)	0.151 CI.90 (0.055, 0.277)	0.760 CI.90 (0.699, 0.811)	0.970 CI.90 (0.953, 0.991)	0.909 CI.90 (0.873, 0.939)	0.948 CI.90 (0.915, 0.990)	0.914 CI.90 (0.872, 0.941)
User Satisfaction (US)	0.175 CI.90 (0.070, 0.324)	0.889 CI.90 (0.837, 0.930)	0.610 CI.90 (0.525, 0.708)	0.174 CI.90 (0.064, 0.307)	0.749 CI.90 (0.686, 0.807)	0.935 CI.90 (0.894, 0.963)	0.926 CI.90 (0.885, 0.952)	0.899 CI.90 (0.855, 0.951)	0.933 CI.90 (0.901, 0.957)	0.943 CI.90 (0.911, 0.967)
Note: The value in brackets represent the 95% bias-corrected and accelerated confidence interval of the HTMT values obtained by running the bootstrapping routine with 5000 samples in Smart-PLS.