Table 2.

Discriminant validity and cross-loading values (diagonal, italics) of the measurement items based on the Fornell-Lacker criterion.

Item	Benevolence	Competence	Reciprocity	Risk perception	Trust
Benevolence	0.827	0.747	0.620	–0.625	0.730
Competence	0.747	0.885	0.700	–0.585	0.843
Reciprocity	0.620	0.700	0.879	–0.526	0.727
Risk perception	–0.625	–0.585	–0.526	0.710	–0.714
Trust	0.730	0.843	0.727	–0.714	0.789