Analysis of Factors Affecting Use Behavior towards Mobile Payment Apps: A SEM Approach

Table 4

Discriminant validity.

	BI	EE	FC	HM	PE	SI	UB
BI	0.840
EE	0.779	0.846
FC	0.788	0.811	0.832
HM	0.588	0.553	0.550	0.856
PE	0.748	0.849	0.788	0.464	0.874
SI	0.708	0.716	0.690	0.564	0.665	0.766
UB	0.875	0.795	0.832	0.460	0.792	0.641	0.859

Note: BI: behavioral intention; EE: effort expectancy; FC: facilitating conditions; HM: hedonic motivation; PE: performance expectancy; SI: social influence; UB: use behavior. The diagonal elements (in bold) represent the square root of AVE.