Global Journal of Management and Business Research, E: Marketing, Volume 23 Issue 1

Fig. 2: Measurement model (PLS result) For discriminant validity, this study checked the Fornell-Larcker criterion and found that the square roots of AVEs are greater than the inter-correlation coefficients (Table 2). In addition, HTMT criteria was also checked and explored that all the HTMT ratios are much smaller than 0.90 (Table 3), indicates that model is discriminantly valid. Table 2: Correlation Matrix (Fornell-Larcker Criterion) AUB BI EE FC HC HM HT PE PV SI AUB 0.787 BI 0.517 0.882 EE 0.405 0.561 0.866 FC 0.460 0.628 0.513 0.815 HC 0.235 0.484 0.349 0.427 0.871 HM 0.240 0.378 0.181 0.271 -0.026 0.818 HT 0.440 0.572 0.521 0.591 0.335 0.174 0.864 PE 0.476 0.607 0.539 0.590 0.386 0.307 0.534 0.858 PV 0.336 0.308 0.375 0.380 0.266 0.089 0.316 0.329 0.847 SI 0.272 0.323 0.251 0.337 0.149 0.191 0.330 0.340 0.115 0.833 Table 3: Heterotrait-Monotrait Ratio (HTMT) AUB BI EE FC HC HM HT PE PV SI AUB BI 0.623 EE 0.48 0.64 FC 0.57 0.74 0.60 HC 0.27 0.55 0.39 0.49 HM 0.31 0.46 0.22 0.34 0.09 HT 0.52 0.65 0.59 0.69 0.38 0.21 PE 0.57 0.70 0.61 0.69 0.43 0.38 0.60 PV 0.41 0.35 0.43 0.46 0.31 0.10 0.38 0.37 SI 0.33 0.37 0.29 0.40 0.17 0.24 0.37 0.38 0.14 Understanding the Age Differences in Adopting WFTs: An Extension of the UTAUT2 Model 8 Global Journal of Management and Business Research Volume XXIII Issue I Version I Year 2023 ( )E © 2023 Global Journals