“…In terms of discriminant validity, all the correlation coefficients of this study fell below 0.70, thereby confirming the theoretical uniqueness of each variable in this research (Field, 2013). In addition, discriminant validity was evaluated using the HTMT criterion (Table 4), despite recommendations from previous studies (Henseler, Hubona, & Ray, 2016; Verkijika & De Wet, 2018; Maziriri, Rukuni, & Chuchu, 2021), indicating that HTMT is more suitable to evaluate discriminant validity than Fornell-Larcker's commonly used criteria. When taking a more conservative position, discriminant validity is reached when the HTMT value is below 0.9 or 0.85 (Verkijika & De Wet, 2018; Neneh, 2019; Maziriri et al.…”