Các nhân tố ảnh hưởng đến quyết định sử dụng dịch vụ ngân hàng trực tuyến của khách hàng cá nhân tại ngân hàng TMCP Công Thương Việt Nam - Khu vực thành phố Hồ Chí Minh - 13


3. Kết quả phân tích nhân tố khám phá-EFA

Phân tích EFA đối với biến độc lập

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.913

Approx. Chi-Square

2132.841

Bartlett's Test of Sphericity df

231

Sig.

.000

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Các nhân tố ảnh hưởng đến quyết định sử dụng dịch vụ ngân hàng trực tuyến của khách hàng cá nhân tại ngân hàng TMCP Công Thương Việt Nam - Khu vực thành phố Hồ Chí Minh - 13

Total Variance Explained

Compon ent

Initial Eigenvalues

Extraction Sums of Squared Loadings

Rotation Sums of Squared Loadings

Total

% of

Variance

Cumulative

%

Total

% of

Variance

Cumulative

%

Total

% of

Variance

Cumulative

%

1

7.943

36.103

36.103

7.943

36.103

36.103

3.741

17.005

17.005

2

2.000

9.091

45.194

2.000

9.091

45.194

2.898

13.174

30.179

3

1.400

6.364

51.559

1.400

6.364

51.559

2.700

12.272

42.451

4

1.175

5.340

56.899

1.175

5.340

56.899

2.296

10.434

52.886

5

1.110

5.048

61.947

1.110

5.048

61.947

1.993

9.061

61.947

6

.790

3.590

65.536







7

.748

3.399

68.935







8

.707

3.213

72.148







9

.656

2.983

75.130







10

.583

2.649

77.780







11

.550

2.500

80.280







12

.537

2.441

82.721







13

.492

2.237

84.958







14

.477

2.167

87.125







15

.469

2.131

89.256







16

.437

1.985

91.241







17

.420

1.908

93.149







18

.371

1.685

94.834







19

.341

1.550

96.383







20

.303

1.376

97.759







21

.261

1.184

98.943







22

.233

1.057

100.000







Extraction Method: Principal Component Analysis.


Rotated Component Matrixa


Component

1

2

3

4

5

HQMD.1

.625

.194

.358

.214

-.084

HQMD.2

.766

.125

.231

.255

.089

HQMD.3

.653

.159

.322

.211

.134

HQMD.4

.654

.220

.215

.022

-.059

HQMD.5

.741

.130

.220

.112

.015

HQMD.6

.683

.365

.019

.161

.013

DSD.1

.156

.695

.186

.191

.010

DSD.2

.311

.797

.169

.098

-.026

DSD.3

.192

.604

.338

.220

.074

DSD.4

.379

.609

.250

-.027

-.060

GIA.1

.223

.234

.738

.196

.035

GIA.2

.166

.284

.592

.171

.029

GIA.3

.262

.208

.697

.065

-.064

GIA.4

.382

.125

.677

.197

.036

ATBM.1

.256

.068

.106

.757

.010

ATBM.2

.197

-.022

.388

.622

.000

ATBM.3

.212

.497

.120

.562

-.013

ATBM.4

-.057

.417

.228

.570

.032

ATBM.5

.382

.381

.030

.525

-.080

HA.1

.006

.002

.079

-.102

.806

HA.2

.052

.007

.014

-.001

.815

HA.3

-.018

-.016

-.073

.095

.786

Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization.

a. Rotation converged in 7 iterations.


Phân tích EFA đối với biến phụ thuộc


KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.731

Approx. Chi-Square

251.866

Bartlett's Test of Sphericity df

6

Sig.

.000


Total Variance Explained

Component

Initial Eigenvalues

Extraction Sums of Squared Loadings

Total

% of Variance

Cumulative %

Total

% of Variance

Cumulative %

1

2.376

59.406

59.406

2.376

59.406

59.406

2

.754

18.857

78.263




3

.507

12.669

90.933




4

.363

9.067

100.000




Extraction Method: Principal Component Analysis.


Component Matrixa


Component

1

SUDUNG.1

.647

SUDUNG.2

.809

SUDUNG.3

.784

SUDUNG.4

.830

Extraction Method: Principal Component Analysis.

a. 1 components extracted.



4. Hồi quy tuyến tính

Variables Entered/Removeda

Model

Variables Entered

Variables Removed

Method


1

HA, GIA, HQMD, DSD,

ATBMb


.


Enter

a. Dependent Variable: QDSD

b. All requested variables entered.

Model Summaryb

Model

R

R Square

Adjusted R Square

Std. Error

of the Estimate

Change Statistics

Durbin- Watson

R Square Change

F

Change

df1

df2

Sig. F Change


1

.71

7a


.514


.503


.74644


.514


47.313


5

22

4


.000


1.953

a. Predictors: (Constant), HA, GIA, HQMD, DSD, ATBM

b. Dependent Variable: QDSD

ANOVAa

Model

Sum of Squares

df

Mean Square

F

Sig.


Regression

131.806

5

26.361

47.313

.000b

1

Residual

124.805

224

.557




Total

256.611

229




a. Dependent Variable: QDSD

b. Predictors: (Constant), HA, GIA, HQMD, DSD, ATBM

Coefficientsa

Model

Unstandardized Coefficients

Standardized Coefficients

t

Sig.

Collinearity Statistics

B

Std. Error

Beta

Tolerance

VIF


(Constant)

.009

.049


.186

.852




HQMD

.371

.051

.341

7.310

.000

.996

1.004


1

DSD

GIA

.395

.050

.371

7.902

.000

.983

1.018

.175

.049

.167

3.570

.000

.998

1.002


ATBM

.420

.049

.401

8.522

.000

.980

1.020


HA

.245

.053

.217

4.588

.000

.970

1.031

a. Dependent Variable: QDSD



5. Kiểm định phân phối chuẩn của phần dư


6. Kiểm định ảnh hưởng của các yếu tố cá nhân


Kiểm định bằng T-Test


Group Statistics


Giới tinh

N

Mean

Std. Deviation

Std. Error Mean

Nữ

QDSD

Nam

141

89

.0322

.0888

1.04739

1.08110

.08821

.11460




Levene's Test for Equality of

Variances

T-test for Equality of Means

F

Sig.

t

df

Sig. (2-

tailed)

Mean Difference

Std. Error Difference

95% Confidence

Interval of the Difference

Lower

Upper


QDSD

Equal variances assumed

Equal variances

not assumed


.045


.832


-.394


228


.694


-.05663


.14358


-.33953


.22628



-.392

182.824

.696

-.05663

.14461

-.34195

.22870



Kiểm định bằng phân tích phương sai một yếu tố (One way Anova)

Độ tuổi –Test of Homogeneity of Variances

Levene Statistic

df1

df2

Sig.

1.308

3

226

.272

ANOVA

QDSD

Sum of Squares

df

Mean Square

F

Sig.

Between Groups

.928

3

.309

.273

.845

Within Groups

255.684

226

1.131



Total

256.611

229




Nghề nghiệp - Test of Homogeneity of Variances

Levene Statistic

df1

df2

Sig.

1.134

4

225

.341

ANOVA

QDSD

Sum of Squares

df

Mean Square

F

Sig.

Between Groups

.308

4

.077

.068

.992

Within Groups

256.304

225

1.139



Total

256.611

229




Levene Statistic

df1

df2

Sig.

.367

3

226

.777

Test of Homogeneity of Variances Thu nhập - QDSD


ANOVA

QDSD

Sum of Squares

df

Mean Square

F

Sig.

Between Groups

2.693

3

.898

.799

.496

Within Groups

253.918

226

1.124



Total

256.611

229




Levene Statistic

df1

df2

Sig.

1.200

2

227

.303

Test of Homogeneity of Variances Trình độ- QDSD


ANOVA

QDSD

Sum of Squares

df

Mean Square

F

Sig.

Between Groups

.495

2

.247

.219

.803

Within Groups

256.117

227

1.128



Total

256.611

229




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