Future Business Journal

Table 5 Heterotrait–monotrait ratio (HTMT)

From: Influencing factors of e-learning adoption amongst students in a developing country: the post-pandemic scenario in Bangladesh

Constructs	BI	CUB	EE	FC	PE	PITT	SI	VoU
BI
CUB	0.899
EE	0.485	0.437
FC	0.416	0.305	0.837
PE	0.579	0.578	0.784	0.596
PIIT	0.311	0.358	0.569	0.651	0.549
SI	0.451	0.442	0.547	0.459	0.627	0.447
VoU	0.218	0.294	0.169	0.307	0.151	0.404	0.296

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