Table 3.

Heterotrait–Monotrait ratio (HTMT)

	BI	EE	FC	HA	HM	PE	PV	QL	SI	SQ	UB
BI
EE	0.649
FC	0.151	0.190
HA	0.835	0.712	0.096
HM	0.502	0.713	0.087	0.570
PE	0.612	0.824	0.261	0.697	0.644
PV	0.841	0.783	0.096	0.810	0.758	0.732
QL	0.470	0.260	0.370	0.339	0.286	0.197	0.344
SI	0.671	0.751	0.197	0.688	0.614	0.821	0.792	0.249
SQ	0.637	0.480	0.192	0.501	0.436	0.365	0.521	0.755	0.399
UB	0.344	0.355	0.246	0.349	0.328	0.340	0.338	0.268	0.265	0.636

Performance expectancy = PE, Effort expectancy = EE, Social influence = SI, Facilitating condition = FC, Hedonic motivation = HM, Price value = PV, Habit = HA, Service quality = SQ, Quality of life = QL, Behavioural intention = BI, Use behavior = UB