Predictors of Economics Students’ Behavioural Intention to Use Tablets: A Two-Staged Structural Equation Modelling–Artificial Neural Network Approach

Table 3

Discriminant validity using Fornell–Larcker and HTMT criteria.

Construct	BI	EE	FC	HB	HM	PE	SI
BI	0.762	0.723	0.831	0.551	0.776	0.698	0.841
EE	0.589	0.808	0.746	0.555	0.693	0.899	0.655
FC	0.632	0.608	0.761	0.713	0.812	0.766	0.832
HB	0.435	0.469	0.565	0.858	0.553	0.492	0.556
HM	0.615	0.588	0.636	0.457	0.854	0.622	0.739
PE	0.573	0.782	0.625	0.416	0.536	0.856	0.705
SI	0.662	0.545	0.642	0.445	0.597	0.589	0.782

NB: The diagonal elements, highlighted in bold, represent the square root of the average variance extracted (AVE). In order to ensure sufficient discriminant validity, the square root of the AVEs (√AVEs) should be greater than the interconstruct correlations indicated by the off-diagonal elements [119]. Above the diagonals are the HTMT values.