Table 3 Discriminant validity.

From: Enablers and disablers for contactless payment acceptance among Malaysian adults

Factors

Perceived ease of use

Perceived usefulness

Optimism

Compatibility

Enjoyment

Status symbol

Lack of awareness

Discomfort

Perceived ease of use

0.794

       

Perceived usefulness

0.788

0.781

      

Optimism

0.731

0.760

0.781

     

Compatibility

0.628

0.562

0.389

0.755

    

Enjoyment

0.573

0.019

0.241

0.743

0.781

   

Status symbol

0.218

0.175

0.211

0.721

0.758

0.794

  

Lack of awareness

0.207

0.159

0.141

0.631

0.664

0.529

0.872

 

Discomfort

0.145

0.132

0.101

0.466

0.384

0.219

0.862

0.849

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