Table 4.

Results of the HTMT.

	HTMT ratio
	Output quality	Internet anxiety	Internet-efficacy	Perceived usefulness	Perceived ease to use	Attitude	Intention
Output quality
Internet anxiety	0.44
Internet self-efficacy	0.437	0.676
Perceived usefulness	0.89	0.428	0.494
Perceived ease to use	0.705	0.651	0.659	0.786
Attitude	0.738	0.402	0.462	0.806	0.716
Intention	0.825	0.459	0.493	0.877	0.799	0.865
	HTMT inference (2.5–97.5%)
Output quality
Internet anxiety	0.348–0.527
Internet self-efficacy	0.338–0.526	0.605–0.740
Perceived usefulness	0.851–0.919	0.332–0.512	0.403–0.576
Perceived ease to use	0.641–0.761	0.579–0.718	0.579–0.727	0.719–0.840
Attitude	0.685–0.789	0.315–0.485	0.383–0.542	0.755–0.848	0.660–0.774
Intention	0.775–0.862	0.369–0.539	0.408–0.578	0.835–0.915	0.737–0.849	0.821–0.904