Table 3.

Discriminant validity and predictive accuracy.

Variable	1		2		3		4	Q2	R2
1. PUF	.941
2. PEU	.670	[.776]	.790
3. SFL	.628	[.742]	.626	[.761]	.828			.359	.573
4. SAS	.324	[.334]	.393	[.456]	.562	[.644]	.802	.084	.161

Note. The numbers on the diagonal in bold are the square roots of AVE (average variance extracted); the off-diagonal numbers are the latent variable correlations; the numbers in square brackets represent HTMT (heterotrait-monotrait ratio); PUF = Perceived usefulness; PEU = Perceived ease of use; SFL = Satisfaction level; SAS = Self-assessment.