Table 3.

Construct correlation matrix vs Heterotrait-Monotrait ratio.

Correlations	Heterotrait-Monotrait ratio
		ECO	CNE	SA	CP	PSY	SI	SOC	SOM	MSF
	ECO	0.831	0.108	0.116	0.469	0.185	0.119	0.721	0.284	0.430
	CNE	−0.104	1.000	0.418	0.067	0.249	0.024	0.163	0.089	0.055
	SA	0.022	0.397	0.824	0.154	0.171	0.139	0.175	0.258	0.496
	CP	0.406	−0.059	0.129	0.865	0.385	0.041	0.591	0.306	0.447
	PSY	0.157	0.197	0.121	0.329	0.723	0.073	0.232	0.268	0.313
	SI	0.084	0.004	0.127	0.022	0.011	0.881	0.164	0.112	0.078
	SOC	0.602	−0.117	0.144	0.493	0.178	0.073	0.747	0.288	0.473
	SOM	0.245	−0.042	0.223	0.266	0.225	0.094	0.248	0.815	0.501
	MSF	0.395	0.055	0.467	0.410	0.293	0.086	0.427	0.468	1.000

Notes: Top diagonal values (Italic) refer to the Heterotrait-Monotrait Ratio between the variables; bottom diagonal values present the values of the correlation matrix; square root of AVE is presented in the diagonal (bold).

ECO = economic; CNE = Covid-19 news exposure; SA = smartphone addiction; CP = consumer pessimism; PSY = psychological; SI = social influence; SOC = social; SOM = psycho-somatic; MSF = m-shopping frequency.