TABLE 4.

Heterotrait–monotrait ratio (HTMT).

Variables	PE	EE	SI	FC	Use	CO	AIav
PE
EE	0.815
SI	0.732	0.641
FC	0.682	0.804	0.683
Use	0.716	0.768	0.642	0.843
CO	0.673	0.662	0.689	0.734	0.668
AIav	0.269	0.260	0.576	0.393	0.309	0.348

Source: primary data, PE – performance expectancy, EE – effort expectancy, SI – social influence, FC – facilitating conditions, CO – collaboration, AIav – AI aversion.