In addition, a matrix of cross-loadings was constructed to
test discriminant validity on the item level (Table 4). All
items demonstrated higher loadings on their associated
constructs (marked in bold) compared with their crossloadings.
While cross-loadings derived from this procedure
will inevitably be higher than those derived from typical
exploratory factor analysis (Gefen and Straub, 2005),
the cross-loading differences were much higher than the
suggested threshold of 0.1 (Gefen and Straub, 2005). The
above assessment suggests that all scales behaved reliably
in both groups, demonstrated satisfactory convergent and
discriminant validity and exhibited adequate psychometric
properties