Trang chủ / Sử Dụng Internet Banking

Mô Hình Sem Cấu Trúc Ý Định Sử Dụng



Estimate

S.E.

C.R.

P

Label

e31


.152

.014

10.534

***

e32

.208

.018

11.402

***

e33

.205

.018

11.062

***

e34


.171

.016

10.995

***

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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 - 30

Squared Multiple Correlations: (Group number 1 - Default model)


Estimate

MD4


.688

MD3

.682

MD2

.643

MD1

.727

DK1

.619

DK2

.685

DK3

.686

DK4

.583

TL1

.703

TL2

.682

TL3

.702

TL4

.709

BM1

.762

BM2

.751

BM3

.726

BM4

.653

XH1

.676

XH2

.772

XH3

.695

XH4

.596

XH5

.735

NL1

.666

NL2

.763

NL3

.777

NL4

.697

NL5

.689

HQ1

.504

HQ2

.574

HQ3

.712

HQ4

.563

HQ5


.636

PHỤ LỤC 9: MÔ HÌNH SEM CẤU TRÚC Ý ĐỊNH 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

Y_Dinh

<---

Hieu_Qua

.097

.025

3.875

***

Y_Dinh

<---

No_Luc

.184

.026

7.036

***

Y_Dinh

<---

Xa_Hoi

.131

.022

6.051

***

Y_Dinh

<---

Dieu_Kien

.164

.025

6.571

***

Y_Dinh

<---

Bao_Mat

.216

.025

8.623

***

Y_Dinh

<---

Tien_Loi

.205

.023

8.905

***

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

***



Estimate

S.E.

C.R.

P

Label

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

Y_Dinh

<---

Hieu_Qua

.132

Y_Dinh

<---

No_Luc

.235

Y_Dinh

<---

Xa_Hoi

.198

Y_Dinh

<---

Dieu_Kien

.209

Y_Dinh

<---

Bao_Mat

.276

Y_Dinh

<---

Tien_Loi

.300

HQ5

<---

Hieu_Qua

.821

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



Estimate

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 <-->

Dieu_Kien

.164

.029

5.701

***

No_Luc <-->

Xa_Hoi

.310

.035

8.916

***

No_Luc <-->

Bao_Mat

.177

.028

6.319

***

No_Luc <-->

Tien_Loi

.222

.032

6.974

***

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 <-->

Dieu_Kien

.254

.033

7.660

***

Bao_Mat <-->

Tien_Loi

.281

.033

8.391

***

Bao_Mat <-->

Dieu_Kien

.215

.029

7.374

***

Tien_Loi <-->

Dieu_Kien

.287

.034

8.546

***

Correlations: (Group number 1 - Default model)


Estimate

Hieu_Qua <--> No_Luc

.530



Estimate

Hieu_Qua <-->

Xa_Hoi

.536

Hieu_Qua <-->

Bao_Mat

.341

Hieu_Qua <-->

Tien_Loi

.452

Hieu_Qua <-->

Dieu_Kien

.289

No_Luc <-->

Xa_Hoi

.492

No_Luc <-->

Bao_Mat

.331

No_Luc <-->

Tien_Loi

.363

No_Luc <-->

Dieu_Kien

.361

Xa_Hoi <-->

Bao_Mat

.368

Xa_Hoi <-->

Tien_Loi

.377

Xa_Hoi <-->

Dieu_Kien

.403

Bao_Mat <-->

Tien_Loi

.459

Bao_Mat <-->

Dieu_Kien

.402

Tien_Loi <-->

Dieu_Kien

.470

Variances: (Group number 1 - Default model)


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

***

Dieu_Kien

.532

.052

10.273

***

e31

.021

.006

3.397

***

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

***



Estimate

S.E.

C.R.

P

Label

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

***

Squared Multiple Correlations: (Group number 1 - Default model)


Estimate

Y_Dinh


.734

DK1

.708

DK2

.737

DK3

.624

DK4

.587

YD3

.645

YD2

.651

YD1

.636

TL1

.679

TL2

.691

TL3


.602



Estimate

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

PHỤ LỤC 10: PHÂN TÍCH BOOTSTRAP Ý ĐỊNH SỬ DỤNG

Bootstrap (1000 quan sát)

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


Parameter

SE

SE-SE

Mean

Bias

SE-Bias

Y_Dinh

<---

Hieu_Qua

.034

.001

.131

-.001

.001

Y_Dinh

<---

No_Luc

.041

.001

.240

.005

.001

Y_Dinh

<---

Xa_Hoi

.035

.001

.196

-.001

.001

Y_Dinh

<---

Dieu_Kien

.030

.001

.209

.001

.001

Y_Dinh

<---

Bao_Mat

.031

.001

.277

.000

.001

Y_Dinh

<---

Tien_Loi

.039

.001

.298

-.002

.001

HQ5

<---

Hieu_Qua

.024

.001

.821

.000

.001

HQ4

<---

Hieu_Qua

.030

.001

.788

-.001

.001

HQ3

<---

Hieu_Qua

.021

.000

.849

.000

.001

HQ2

<---

Hieu_Qua

.036

.001

.749

-.002

.001

HQ1

<---

Hieu_Qua

.033

.001

.766

.000

.001

NL5

<---

No_Luc

.037

.001

.763

-.001

.001

NL4

<---

No_Luc

.028

.001

.778

-.001

.001

NL3

<---

No_Luc

.031

.001

.788

-.001

.001

NL2

<---

No_Luc

.028

.001

.804

.002

.001

NL1

<---

No_Luc

.022

.000

.820

.001

.001

XH5

<---

Xa_Hoi

.022

.001

.880

.000

.001

XH4

<---

Xa_Hoi

.030

.001

.801

-.001

.001

XH3

<---

Xa_Hoi

.032

.001

.807

-.001

.001

XH2

<---

Xa_Hoi

.020

.000

.835

.000

.001

XH1

<---

Xa_Hoi

.031

.001

.823

.000

.001

BM4

<---

Bao_Mat

.026

.001

.783

.000

.001

BM3

<---

Bao_Mat

.031

.001

.760

.000

.001

BM2

<---

Bao_Mat

.020

.000

.837

.002

.001

BM1

<---

Bao_Mat

.024

.001

.826

.000

.001

TL4

<---

Tien_Loi

.018

.000

.871

.000

.001

TL3

<---

Tien_Loi

.033

.001

.775

-.001

.001

TL2

<---

Tien_Loi

.030

.001

.830

-.002

.001

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