“…As shown in Table 4, the lowest within-factor correlations of each factor (black and bold values) are as follows: IT attitude (V02, 04, 07) = 0.48; IT knowledge (V08, 09, 11, 12) = 0.53; IT skills (V13, 14,17,19,20) = 0.42; and IT experience (V22, 23, 25) = 0.51. These values are significantly higher than zero and thus they are large enough to carry out discriminant validity.…”