Table 7.

Average Variance Extracted and discriminant validity test

	PER	ADT	SER	COM	FWB	LOY
PER	0.498
ADT	0.0121	0.630
SER	0.0104	0.0048	0.607
COM	0.0180	0.0096	0.0102	0.589
FWB	0.0114	0.0177	0.0139	0.0050	0.651
LOY	0.0024	0.0032	0.0005	0.0012	0.0029	0.636

The numbers in bold represent AVE values