Các nhân tố ảnh hưởng tới việc sử dụng Internet Banking của khách hàng ở các ngân hàng thương mại Việt Nam - 29

Estimate	S.E.	C.R.	P	Label
No_Luc	<-->	Bao_Mat	.177	.028	6.319	***
No_Luc	<-->	Tien_Loi	.222	.032	6.974	***
No_Luc	<-->	Y_Dinh	.283	.027	10.523	***
No_Luc	<-->	Dieu_Kien	.192	.028	6.791	***
Xa_Hoi	<-->	Bao_Mat	.233	.033	7.103	***
Xa_Hoi	<-->	Tien_Loi	.273	.037	7.446	***
Xa_Hoi	<-->	Y_Dinh	.338	.030	11.186	***
Xa_Hoi	<-->	Dieu_Kien	.254	.033	7.660	***
Bao_Mat	<-->	Tien_Loi	.281	.033	8.391	***
Bao_Mat	<-->	Y_Dinh	.291	.027	10.713	***
Bao_Mat	<-->	Dieu_Kien	.215	.029	7.374	***
Tien_Loi	<-->	Y_Dinh	.357	.031	11.682	***
Tien_Loi	<-->	Dieu_Kien	.287	.034	8.546	***
Y_Dinh	<-->	Dieu_Kien	.277	.027	10.391	***

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Correlations: (Group number 1 - Default model)

Estimate
Hieu_Qua	<-->	No_Luc	.530
Hieu_Qua	<-->	Xa_Hoi	.536
Hieu_Qua	<-->	Bao_Mat	.341
Hieu_Qua	<-->	Tien_Loi	.452
Hieu_Qua	<-->	Y_Dinh	.653
Hieu_Qua	<-->	Dieu_Kien	.289
No_Luc	<-->	Xa_Hoi	.492
No_Luc	<-->	Bao_Mat	.331
No_Luc	<-->	Tien_Loi	.363
No_Luc	<-->	Y_Dinh	.678
No_Luc	<-->	Dieu_Kien	.361
Xa_Hoi	<-->	Bao_Mat	.368
Xa_Hoi	<-->	Tien_Loi	.377
Xa_Hoi	<-->	Y_Dinh	.683
Xa_Hoi	<-->	Dieu_Kien	.403
Bao_Mat	<-->	Tien_Loi	.459
Bao_Mat	<-->	Y_Dinh	.694
Bao_Mat	<-->	Dieu_Kien	.402
Tien_Loi	<-->	Y_Dinh	.745
Tien_Loi	<-->	Dieu_Kien	.470
Y_Dinh	<-->	Dieu_Kien	.664

Estimate	S.E.	C.R.	P	Label
Hieu_Qua		.606	.053	11.429	***
No_Luc		.533	.052	10.258	***
Xa_Hoi		.749	.058	12.891	***
Bao_Mat		.536	.051	10.544	***
Tien_Loi		.700	.056	12.521	***
Y_Dinh		.328	.030	11.047	***
Dieu_Kien		.532	.052	10.273	***
e1		.294	.023	13.025	***
e2		.371	.027	13.768	***
e3		.249	.021	12.128	***
e4		.387	.027	14.389	***
e5		.397	.028	14.161	***
e6		.379	.027	14.047	***
e7		.327	.024	13.794	***
e8		.337	.025	13.598	***
e9		.294	.022	13.309	***
e10		.272	.021	12.852	***
e11		.218	.018	11.861	***
e12		.389	.027	14.149	***
e13		.318	.023	14.031	***
e14		.298	.022	13.421	***
e15		.316	.023	13.737	***
e16		.338	.025	13.263	***
e17		.356	.026	13.732	***
e18		.265	.023	11.719	***
e19		.279	.023	12.047	***
e20		.224	.020	11.189	***
e21		.358	.026	14.027	***
e22		.265	.021	12.730	***
e23		.300	.023	12.956	***
e24		.187	.013	14.194	***
e25		.190	.014	13.995	***
e26		.197	.014	14.083	***
e27		.374	.027	13.905	***
e28		.293	.022	13.431	***
e29		.190	.017	11.167	***
e30		.245	.021	11.890	***

Estimate
DK1		.708
DK2		.737
DK3		.624
DK4		.587
YD3		.645
YD2		.651
YD1		.636
TL1		.679
TL2		.691
TL3		.602
TL4		.758
BM1		.682
BM2		.697
BM3		.578
BM4		.613
XH1		.677
XH2		.698
XH3		.653
XH4		.643
XH5		.775
NL1		.671
NL2		.643
NL3		.622
NL4		.606
NL5		.584
HQ1		.587
HQ2		.564
HQ3		.720
HQ4		.622
HQ5		.674

NHÓM KHÁCH HÀNG ĐANG SỬ DỤNG

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	.952	.064	14.858	***
HQ3	<---	Hieu_Qua	1.024	.059	17.212	***
HQ2	<---	Hieu_Qua	.945	.063	15.043	***
HQ1	<---	Hieu_Qua	.873	.063	13.876	***
NL5	<---	No_Luc	1.000
NL4	<---	No_Luc	.988	.053	18.805	***
NL3	<---	No_Luc	1.039	.051	20.497	***
NL2	<---	No_Luc	1.044	.052	20.201	***
NL1	<---	No_Luc	.956	.053	18.156	***
XH5	<---	Xa_Hoi	1.000
XH4	<---	Xa_Hoi	.927	.054	17.235	***
XH3	<---	Xa_Hoi	1.024	.053	19.503	***
XH2	<---	Xa_Hoi	1.025	.048	21.317	***
XH1	<---	Xa_Hoi	.959	.050	19.046	***
BM4	<---	Bao_Mat	1.000
BM3	<---	Bao_Mat	1.031	.056	18.350	***
BM2	<---	Bao_Mat	1.079	.057	18.796	***
BM1	<---	Bao_Mat	1.028	.054	18.979	***
TL4	<---	Tien_Loi	1.000
TL3	<---	Tien_Loi	1.011	.054	18.856	***
TL2	<---	Tien_Loi	1.041	.056	18.461	***
TL1	<---	Tien_Loi	1.037	.055	18.890	***
DK4	<---	Dieu_Kien	1.000
DK3	<---	Dieu_Kien	1.019	.065	15.777	***
DK2	<---	Dieu_Kien	1.005	.064	15.763	***
DK1	<---	Dieu_Kien	1.014	.068	14.908	***
MD1	<---	Muc_Do	1.000
MD2	<---	Muc_Do	.960	.052	18.313	***
MD3	<---	Muc_Do	1.039	.054	19.218	***
MD4	<---	Muc_Do	.964	.050	19.375	***

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

Estimate
HQ5	<---	Hieu_Qua	.797
HQ4	<---	Hieu_Qua	.750
HQ3	<---	Hieu_Qua	.844
HQ2	<---	Hieu_Qua	.758
HQ1	<---	Hieu_Qua	.710
NL5	<---	No_Luc	.830
NL4	<---	No_Luc	.835
NL3	<---	No_Luc	.881
NL2	<---	No_Luc	.873
NL1	<---	No_Luc	.816
XH5	<---	Xa_Hoi	.857
XH4	<---	Xa_Hoi	.772
XH3	<---	Xa_Hoi	.834
XH2	<---	Xa_Hoi	.879
XH1	<---	Xa_Hoi	.822
BM4	<---	Bao_Mat	.808
BM3	<---	Bao_Mat	.852
BM2	<---	Bao_Mat	.867
BM1	<---	Bao_Mat	.873
TL4	<---	Tien_Loi	.842
TL3	<---	Tien_Loi	.838
TL2	<---	Tien_Loi	.826
TL1	<---	Tien_Loi	.839
DK4	<---	Dieu_Kien	.763
DK3	<---	Dieu_Kien	.828
DK2	<---	Dieu_Kien	.827
DK1	<---	Dieu_Kien	.787
MD1	<---	Muc_Do	.853
MD2	<---	Muc_Do	.802
MD3	<---	Muc_Do	.826
MD4	<---	Muc_Do	.830

Covariances: (Group number 1 - Default model)

Estimate	S.E.	C.R.	P	Label
Hieu_Qua	<-->	No_Luc	.336	.037	8.984	***
Hieu_Qua	<-->	Xa_Hoi	.281	.037	7.627	***
Hieu_Qua	<-->	Bao_Mat	.269	.035	7.678	***
Hieu_Qua	<-->	Tien_Loi	.278	.035	8.029	***

Estimate	S.E.	C.R.	P	Label
Hieu_Qua	<-->	Dieu_Kien	.268	.035	7.645	***
Hieu_Qua	<-->	Muc_Do	.330	.035	9.307	***
No_Luc	<-->	Xa_Hoi	.251	.035	7.185	***
No_Luc	<-->	Bao_Mat	.263	.034	7.727	***
No_Luc	<-->	Tien_Loi	.280	.034	8.254	***
No_Luc	<-->	Dieu_Kien	.280	.035	8.018	***
No_Luc	<-->	Muc_Do	.329	.035	9.510	***
Xa_Hoi	<-->	Bao_Mat	.273	.037	7.444	***
Xa_Hoi	<-->	Tien_Loi	.197	.033	5.906	***
Xa_Hoi	<-->	Dieu_Kien	.240	.035	6.803	***
Xa_Hoi	<-->	Muc_Do	.297	.035	8.490	***
Bao_Mat	<-->	Tien_Loi	.339	.037	9.045	***
Bao_Mat	<-->	Dieu_Kien	.333	.038	8.652	***
Bao_Mat	<-->	Muc_Do	.345	.036	9.520	***
Tien_Loi	<-->	Dieu_Kien	.321	.037	8.699	***
Tien_Loi	<-->	Muc_Do	.345	.035	9.792	***
Dieu_Kien	<-->	Muc_Do	.341	.036	9.352	***

Correlations: (Group number 1 - Default model)

Estimate
Hieu_Qua	<-->	No_Luc	.722
Hieu_Qua	<-->	Xa_Hoi	.547
Hieu_Qua	<-->	Bao_Mat	.568
Hieu_Qua	<-->	Tien_Loi	.600
Hieu_Qua	<-->	Dieu_Kien	.589
Hieu_Qua	<-->	Muc_Do	.762
No_Luc	<-->	Xa_Hoi	.486
No_Luc	<-->	Bao_Mat	.552
No_Luc	<-->	Tien_Loi	.602
No_Luc	<-->	Dieu_Kien	.612
No_Luc	<-->	Muc_Do	.755
Xa_Hoi	<-->	Bao_Mat	.519
Xa_Hoi	<-->	Tien_Loi	.383
Xa_Hoi	<-->	Dieu_Kien	.476
Xa_Hoi	<-->	Muc_Do	.617
Bao_Mat	<-->	Tien_Loi	.716
Bao_Mat	<-->	Dieu_Kien	.715
Bao_Mat	<-->	Muc_Do	.777
Tien_Loi	<-->	Dieu_Kien	.707

Estimate

Tien_Loi <--> Muc_Do

Dieu_Kien <--> Muc_Do

.796

.802

Variances: (Group number 1 - Default model)

Estimate	S.E.	C.R.	P	Label
Hieu_Qua		.462	.054	8.619	***
No_Luc		.468	.050	9.316	***
Xa_Hoi		.571	.059	9.751	***
Bao_Mat		.485	.055	8.896	***
Tien_Loi		.462	.049	9.432	***
Dieu_Kien		.446	.055	8.072	***
Muc_Do		.406	.042	9.702	***
e1		.265	.025	10.636	***
e2		.326	.029	11.299	***
e3		.196	.020	9.596	***
e4		.307	.027	11.212	***
e5		.348	.030	11.689	***
e6		.211	.019	11.091	***
e7		.198	.018	11.016	***
e8		.145	.015	9.919	***
e9		.158	.016	10.162	***
e10		.215	.019	11.301	***
e11		.206	.020	10.161	***
e12		.332	.029	11.560	***
e13		.263	.025	10.693	***
e14		.177	.019	9.502	***
e15		.252	.023	10.907	***
e16		.257	.023	11.081	***
e17		.195	.019	10.233	***
e18		.187	.019	9.821	***
e19		.160	.017	9.626	***
e20		.190	.019	10.167	***
e21		.201	.020	10.271	***
e22		.233	.022	10.520	***
e23		.210	.020	10.248	***
e27		.320	.029	11.074	***
e28		.213	.021	9.896	***
e29		.208	.021	9.912	***
e30		.282	.026	10.728	***

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