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Các nhân tố ảnh hưởng tới việc sử dụng Internet Banking của khách hàng ở các ngân hàng thương mại Việt Nam - 28


TL3

TL4

11.60

11.58

4.991

5.162

.765

.722

.830

.846

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Reliability Statistics

Cronbach's Alpha


N of Items

.886

4

Item-Total Statistics



Scale Mean if Item Deleted


Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

MD1

11.42

3.878

.785

.842

MD2

11.39

3.972

.710

.870

MD3

11.40

3.776

.746

.857

MD4

11.35

3.939

.769

.848

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.943

Bartlett's Test of Sphericity Approx. Chi-Square

6330.946

df

351

Sig.

.000


Total Variance Explained


Factor


Initial


Eigenvalues


Extraction Sums of Squared Loadings

Rotation Sums of Squared Loadingsa

Total

% of Variance

Cumulative %

Total

% of Variance

Cumulative %

Total

1

11.800

43.702

43.702

11.455

42.424

42.424

6.814

2

2.394

8.867

52.569

2.069

7.661

50.086

8.270

3

2.079

7.701

60.270

1.736

6.428

56.514

8.009

4

1.238

4.586

64.856

.887

3.285

59.799

8.118

5

1.163

4.309

69.164

.808

2.991

62.790

7.626

6

1.010

3.740

72.904

.678

2.511

65.300

7.503

7

.649

2.405

75.309





8

.538

1.994

77.303





9

.524

1.940

79.243





10

.469

1.737

80.980






11

.431

1.595

82.575





12

.405

1.501

84.076

13

.385

1.425

85.501

14

.373

1.382

86.883

15

.370

1.369

88.252

16

.358

1.326

89.578

17

.327

1.210

90.788

18

.312

1.157

91.946

19

.309

1.146

93.091

20

.299

1.107

94.198

21

.280

1.036

95.235

22

.249

.921

96.156

23

.239

.887

97.043

24

.231

.856

97.898

25

.206

.762

98.660

26

.194

.719

99.380

27

.168

.620

100.000

Extraction Method: Principal Axis Factoring.

a. When factors are correlated, sums of squared loadings cannot be added to obtain a total variance.



Factor

1

2

3

4

5

6

XH3

.857






XH2

.853






XH5

.820






XH1

.803






XH4

.709






NL3


.885





NL2


.839





NL5


.763





NL4


.740





NL1


.740





HQ3



.845




HQ2



.787




HQ5



.715




HQ4



.687




HQ1



.615




BM2




.869



BM4




.788



BM1




.782



BM3




.710



TL3





.890


TL1





.745


TL4





.698


TL2





.684


DK2






.830

DK1






.771

DK3






.709

DK4






.542

Extraction Method: Principal Axis Factoring.

Rotation Method: Promax with Kaiser Normalization.



Factor

1

2

3

4

5

6

XH3

.857






XH2

.853






XH5

.820






XH1

.803






XH4

.709






NL3


.885





NL2


.839





NL5


.763





NL4


.740





NL1


.740





HQ3



.845




HQ2



.787




HQ5



.715




HQ4



.687




HQ1



.615




BM2




.869



BM4




.788



BM1




.782



BM3




.710



TL3





.890


TL1





.745


TL4





.698


TL2





.684


DK2






.830

DK1






.771

DK3






.709

DK4






.542

a. Rotation converged in 7 iterations.


KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.841

Bartlett's Test of Sphericity Approx. Chi-Square

751.683

df

6

Sig.

.000


Total Variance Explained


Factor

Initial Eigenvalues

Extraction Sums of Squared Loadings

Total

% of Variance

Cumulative %

Total

% of Variance

Cumulative %

1

2.990

74.740

74.740

2.657

66.436

66.436

2

.402

10.053

84.794




3

.319

7.984

92.778




4

.289

7.222

100.000




Extraction Method: Principal Axis Factoring.



Factor Matrixa


Factor

1

MD1

.855

MD4

.834

MD3

.807

MD2

.762

Extraction Method:

Principal Axis Factoring.

a. 1 factors extracted. 6 iterations required.

PHỤ LỤC 8 : PHÂN TÍCH CFA

NHÓM KHÁCH HÀNG CHƯA SỬ SỤNG


Estimates Group number 1 Default model Scalar Estimates Group number 1 Default model 1


Estimates (Group number 1 - Default model) Scalar Estimates (Group number 1 - Default model) Maximum Likelihood Estimates

Regression Weights: (Group number 1 - Default model)


Estimate

S.E.

C.R.

P

Label

HQ5

<---

Hieu_Qua

1.000




HQ4

<---

Hieu_Qua

1.003

.048

20.856

***

HQ3

<---

Hieu_Qua

1.030

.045

23.041

***

HQ2

<---

Hieu_Qua

.909

.047

19.530

***

HQ1

<---

Hieu_Qua

.965

.048

20.063

***

NL5

<---

No_Luc

1.000




NL4

<---

No_Luc

.973

.052

18.715

***

NL3

<---

No_Luc

1.020

.054

18.987

***

NL2

<---

No_Luc

.997

.052

19.342

***

NL1

<---

No_Luc

1.022

.052

19.821

***

XH5

<---

Xa_Hoi

1.000




XH4

<---

Xa_Hoi

.967

.040

23.976

***

XH3

<---

Xa_Hoi

.895

.037

24.312

***

XH2

<---

Xa_Hoi

.959

.037

25.792

***

XH1

<---

Xa_Hoi

.940

.037

25.072

***

BM4

<---

Bao_Mat

1.000




BM3

<---

Bao_Mat

.954

.052

18.463

***

BM2

<---

Bao_Mat

1.066

.052

20.512

***

BM1

<---

Bao_Mat

1.057

.052

20.277

***

TL4

<---

Tien_Loi

1.000




TL3

<---

Tien_Loi

.880

.040

21.862

***

TL2

<---

Tien_Loi

.920

.038

24.360

***

TL1

<---

Tien_Loi

.952

.040

24.013

***

YD1

<---

Y_Dinh

1.000




YD2

<---

Y_Dinh

1.041

.049

21.368

***

YD3

<---

Y_Dinh

1.044

.049

21.226

***

DK4

<---

Dieu_Kien

1.000




DK3

<---

Dieu_Kien

.956

.050

19.022

***

DK2

<---

Dieu_Kien

1.001

.048

20.817

***

DK1

<---

Dieu_Kien

1.056

.052

20.397

***

Standardized Regression Weights: (Group number 1 - Default model)


Estimate

HQ5 <--- Hieu_Qua

.821



Estimate

HQ4

<---

Hieu_Qua

.789

HQ3

<---

Hieu_Qua

.849

HQ2

<---

Hieu_Qua

.751

HQ1

<---

Hieu_Qua

.766

NL5

<---

No_Luc

.764

NL4

<---

No_Luc

.779

NL3

<---

No_Luc

.789

NL2

<---

No_Luc

.802

NL1

<---

No_Luc

.819

XH5

<---

Xa_Hoi

.880

XH4

<---

Xa_Hoi

.802

XH3

<---

Xa_Hoi

.808

XH2

<---

Xa_Hoi

.836

XH1

<---

Xa_Hoi

.823

BM4

<---

Bao_Mat

.783

BM3

<---

Bao_Mat

.761

BM2

<---

Bao_Mat

.835

BM1

<---

Bao_Mat

.826

TL4

<---

Tien_Loi

.870

TL3

<---

Tien_Loi

.776

TL2

<---

Tien_Loi

.832

TL1

<---

Tien_Loi

.824

YD1

<---

Y_Dinh

.798

YD2

<---

Y_Dinh

.807

YD3

<---

Y_Dinh

.803

DK4

<---

Dieu_Kien

.766

DK3

<---

Dieu_Kien

.790

DK2

<---

Dieu_Kien

.859

DK1

<---

Dieu_Kien

.842

Covariances: (Group number 1 - Default model)


Estimate

S.E.

C.R.

P

Label

Hieu_Qua

<-->

No_Luc

.301

.033

9.181

***

Hieu_Qua

<-->

Xa_Hoi

.361

.037

9.703

***

Hieu_Qua

<-->

Bao_Mat

.194

.030

6.550

***

Hieu_Qua

<-->

Tien_Loi

.294

.035

8.451

***

Hieu_Qua

<-->

Y_Dinh

.291

.028

10.567

***

Hieu_Qua

<-->

Dieu_Kien

.164

.029

5.701

***

No_Luc

<-->

Xa_Hoi

.310

.035

8.916

***

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