Table 5 Heterotrait-Monotrait Ratio (HTMT)

Behavioral intention (BI)

Continued usage intention (CUI)

0.869

Perceived compatibility (PC)

0.769

0.875

Perceived ease of use (PEU)

0.797

0.871

0.892

Perceived insecurity (PI)

0.411

0.333

0.300

0.328

Perceived personal innovativeness (PPI)

0.685

0.777

0.850

0.782

0.279

Perceived social influence (PSI)

0.527

0.602

0.674

0.586

0.332

0.779

Perceived technological innovativeness (PTI)

0.865

0.961

0.855

0.862

0.438

0.771

0.664

Perceived usefulness (PU)

0.815

0.887

0.862

0.883

0.336

0.776

0.700

0.886