Divergent Validity Measurement

Constructs

Advancement of technology

User’s Experience

Competitive Pressure

Perceived Ease of Use

Continuous Digital Disruption

AT1

0.570

AT2

0.419

AT3

0.522

AT4

0.510

AT5

0.662

UE1

0.615

UE2

0.640

UE3

0.516

UE4

0.610

UE5

0.611

CP1

0.654

CP2

0.648

CP3

0.579

CP4

0.666

CP5

0.604

PU2

0.431

PU3

0.634

PU4

0.808

PU5

0.769

DD1

0.699

DD2

0.663

DD3

0.522

DD4

0.709

DD5

0.672

Average variance

0.536

0.598

0.630

0.660

0.653

Reliability test

0.682

0.728

0.769

0.735

0.802