TABLE 4.

Correlation matrices and discriminant validity.

Construct	BP	PP	RP	TP	WTL
Benefit Perception (BP)	0.75
Privacy Perception (PP)	−0.122	0.81
Risk Perception (RP)	0.062	0.461	0.80
Trust Perception (TP)	0.500	−0.223	−0.267	0.82
Willingness to use online learning (WTL)	0.641	−0.208	−0.222	0.636	0.74

Square roots of the AVE are presented as diagonal elements.