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Mô Hình Sem Cấu Trúc Mức Độ Sử Dụng



Estimate

HQ3

<---

Hieu_Qua

,849

HQ2

<---

Hieu_Qua

,751

HQ1

<---

Hieu_Qua

,767

NL5

<---

No_Luc

,764

NL4

<---

No_Luc

,778

NL3

<---

No_Luc

,788

NL2

<---

No_Luc

,802

NL1

<---

No_Luc

,820

XH5

<---

Xa_Hoi

,880

XH4

<---

Xa_Hoi

,802

XH3

<---

Xa_Hoi

,808

XH2

<---

Xa_Hoi

,836

XH1

<---

Xa_Hoi

,822

DK4

<---

Dieu_Kien

,766

DK3

<---

Dieu_Kien

,790

DK2

<---

Dieu_Kien

,859

DK1

<---

Dieu_Kien

,842

BM4

<---

Bao_Mat

,783

BM3

<---

Bao_Mat

,760

BM2

<---

Bao_Mat

,835

BM1

<---

Bao_Mat

,826

TL4

<---

Tien_loi

,871

TL3

<---

Tien_loi

,776

TL2

<---

Tien_loi

,832

TL1

<---

Tien_loi

,824

YD1

<---

Y_Dinh

,800

YD2

<---

Y_Dinh

,810

YD3

<---

Y_Dinh

,807

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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 - 32

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

9,702

***

Hieu_Qua <-->

Dieu_Kien

,164

,029

5,700

***

Hieu_Qua <-->

Bao_Mat

,194

,030

6,550

***

Hieu_Qua <-->

Tien_loi

,294

,035

8,453

***

No_Luc <-->

Xa_Hoi

,310

,035

8,915

***

No_Luc <-->

Dieu_Kien

,192

,028

6,792

***

No_Luc <-->

Bao_Mat

,177

,028

6,320

***

No_Luc <-->

Tien_loi

,222

,032

6,975

***

Xa_Hoi <-->

Dieu_Kien

,254

,033

7,659

***

Xa_Hoi <-->

Bao_Mat

,233

,033

7,103

***

Xa_Hoi <-->

Tien_loi

,273

,037

7,447

***

Dieu_Kien <-->

Bao_Mat

,215

,029

7,374

***

Dieu_Kien <-->

Tien_loi

,287

,034

8,547

***

Bao_Mat <-->

Tien_loi

,281

,034

8,392

***


Correlations: (Group number 1 - Default model)



Estimate

Hieu_Qua

<-->

No_Luc

,529

Hieu_Qua

<-->

Xa_Hoi

,536

Hieu_Qua

<-->

Dieu_Kien

,289

Hieu_Qua

<-->

Bao_Mat

,341

Hieu_Qua

<-->

Tien_loi

,452

No_Luc

<-->

Xa_Hoi

,492

No_Luc

<-->

Dieu_Kien

,361

No_Luc

<-->

Bao_Mat

,331

No_Luc

<-->

Tien_loi

,363

Xa_Hoi

<-->

Dieu_Kien

,403



Estimate

Xa_Hoi <-->

Bao_Mat

,368

Xa_Hoi <-->

Tien_loi

,377

Dieu_Kien <-->

Bao_Mat

,402

Dieu_Kien <-->

Tien_loi

,470

Bao_Mat <-->

Tien_loi

,459

PHỤ LỤC 12: MÔ HÌNH SEM CẤU TRÚC MỨC ĐỘ 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

Muc_Do

<---

Hieu_Qua

.143

.045

3.159

.002

Muc_Do

<---

No_Luc

.196

.044

4.465

***

Muc_Do

<---

Xa_Hoi

.123

.031

4.026

***

Muc_Do

<---

Dieu_Kien

.200

.050

3.973

***

Muc_Do

<---

Bao_Mat

.116

.049

2.365

.018

Muc_Do

<---

Tien_Loi

.263

.050

5.245

***

HQ5

<---

Hieu_Qua

1.000




HQ4

<---

Hieu_Qua

.959

.065

14.662

***

HQ3

<---

Hieu_Qua

1.026

.061

16.892

***

HQ2

<---

Hieu_Qua

.951

.064

14.893

***

HQ1

<---

Hieu_Qua

.866

.064

13.477

***

NL5

<---

No_Luc

1.000




NL4

<---

No_Luc

.981

.057

17.322

***

NL3

<---

No_Luc

1.010

.056

18.171

***

NL2

<---

No_Luc

1.012

.056

17.945

***

NL1

<---

No_Luc

.933

.057

16.389

***

XH5

<---

Xa_Hoi

1.000




XH4

<---

Xa_Hoi

.933

.058

16.186

***

XH3

<---

Xa_Hoi

1.022

.057

17.953

***

XH2

<---

Xa_Hoi

1.022

.053

19.340

***

XH1

<---

Xa_Hoi

.970

.053

18.138

***

BM4

<---

Bao_Mat

1.000




BM3

<---

Bao_Mat

1.031

.065

15.855

***

BM2

<---

Bao_Mat

1.109

.066

16.713

***

BM1

<---

Bao_Mat

1.038

.063

16.370

***

TL4

<---

Tien_Loi

1.000




TL3

<---

Tien_Loi

1.055

.064

16.536

***

TL2

<---

Tien_Loi

1.040

.067

15.451

***

TL1

<---

Tien_Loi

1.050

.066

16.005

***

DK4

<---

Dieu_Kien

1.000






Estimate

S.E.

C.R.

P

Label

DK3

<---

Dieu_Kien

1.033

.069

15.070

***

DK2

<---

Dieu_Kien

.975

.068

14.382

***

DK1

<---

Dieu_Kien

.997

.072

13.914

***

MD1

<---

Muc_Do

1.000




MD2

<---

Muc_Do

.962

.055

17.398

***

MD3

<---

Muc_Do

1.044

.056

18.484

***

MD4

<---

Muc_Do

.973

.052

18.838

***

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


Estimate

Muc_Do

<---

Hieu_Qua

.158

Muc_Do

<---

No_Luc

.222

Muc_Do

<---

Xa_Hoi

.151

Muc_Do

<---

Dieu_Kien

.219

Muc_Do

<---

Bao_Mat

.131

Muc_Do

<---

Tien_Loi

.285

HQ5

<---

Hieu_Qua

.795

HQ4

<---

Hieu_Qua

.746

HQ3

<---

Hieu_Qua

.837

HQ2

<---

Hieu_Qua

.756

HQ1

<---

Hieu_Qua

.696

NL5

<---

No_Luc

.816

NL4

<---

No_Luc

.813

NL3

<---

No_Luc

.841

NL2

<---

No_Luc

.833

NL1

<---

No_Luc

.781

XH5

<---

Xa_Hoi

.842

XH4

<---

Xa_Hoi

.756

XH3

<---

Xa_Hoi

.811

XH2

<---

Xa_Hoi

.852

XH1

<---

Xa_Hoi

.817

BM4

<---

Bao_Mat

.777

BM3

<---

Bao_Mat

.808

BM2

<---

Bao_Mat

.845

BM1

<---

Bao_Mat

.830

TL4

<---

Tien_Loi

.793



Estimate

TL3

<---

Tien_Loi

.825

TL2

<---

Tien_Loi

.781

TL1

<---

Tien_Loi

.803

DK4

<---

Dieu_Kien

.752

DK3

<---

Dieu_Kien

.820

DK2

<---

Dieu_Kien

.784

DK1

<---

Dieu_Kien

.760

MD1

<---

Muc_Do

.839

MD2

<---

Muc_Do

.783

MD3

<---

Muc_Do

.815

MD4

<---

Muc_Do

.824

Covariances: (Group number 1 - Default model)


Estimate

S.E.

C.R.

P

Label

Hieu_Qua <-->

No_Luc

.340

.038

8.895

***

Hieu_Qua <-->

Xa_Hoi

.278

.037

7.544

***

Hieu_Qua <-->

Bao_Mat

.267

.035

7.568

***

Hieu_Qua <-->

Tien_Loi

.264

.034

7.712

***

Hieu_Qua <-->

Dieu_Kien

.274

.036

7.654

***

No_Luc <-->

Xa_Hoi

.259

.036

7.178

***

No_Luc <-->

Bao_Mat

.265

.035

7.545

***

No_Luc <-->

Tien_Loi

.281

.035

8.036

***

No_Luc <-->

Dieu_Kien

.290

.037

7.943

***

Xa_Hoi <-->

Bao_Mat

.274

.037

7.357

***

Xa_Hoi <-->

Tien_Loi

.208

.034

6.180

***

Xa_Hoi <-->

Dieu_Kien

.251

.036

6.913

***

Bao_Mat <-->

Tien_Loi

.332

.038

8.694

***

Bao_Mat <-->

Dieu_Kien

.338

.040

8.494

***

Tien_Loi <-->

Dieu_Kien

.309

.037

8.308

***

Correlations: (Group number 1 - Default model)


Estimate

Hieu_Qua <-->

No_Luc

.725

Hieu_Qua <-->

Xa_Hoi

.547

Hieu_Qua <-->

Bao_Mat

.573

Hieu_Qua <-->

Tien_Loi

.588

Hieu_Qua <-->

Dieu_Kien

.602



Estimate

No_Luc

<-->

Xa_Hoi

.498

No_Luc

<-->

Bao_Mat

.557

No_Luc

<-->

Tien_Loi

.612

No_Luc

<-->

Dieu_Kien

.624

Xa_Hoi

<-->

Bao_Mat

.530

Xa_Hoi

<-->

Tien_Loi

.419

Xa_Hoi

<-->

Dieu_Kien

.499

Bao_Mat

<-->

Tien_Loi

.729

Bao_Mat

<-->

Dieu_Kien

.732

Tien_Loi

<-->

Dieu_Kien

.696

Variances: (Group number 1 - Default model)


Estimate

S.E.

C.R.

P

Label

Hieu_Qua


.459

.054

8.571

***

No_Luc

.480

.053

9.002

***

Xa_Hoi

.564

.060

9.436

***

Bao_Mat

.472

.057

8.321

***

Tien_Loi

.438

.051

8.528

***

Dieu_Kien

.451

.057

7.847

***

e35

.031

.007

4.238

***

e1

.266

.025

10.580

***

e2

.337

.030

11.280

***

e3

.207

.021

9.667

***

e4

.312

.028

11.167

***

e5

.366

.031

11.747

***

e6

.242

.022

10.869

***

e7

.237

.022

10.914

***

e8

.203

.020

10.381

***

e9

.216

.021

10.539

***

e10

.267

.024

11.352

***

e11

.231

.023

10.137

***

e12

.367

.032

11.503

***

e13

.306

.028

10.777

***

e14

.223

.023

9.889

***

e15

.265

.025

10.680

***

e16


.309

.028

11.044

***



Estimate

S.E.

C.R.

P

Label

e17


.267

.025

10.555

***

e18

.233

.024

9.705

***

e19

.230

.023

10.090

***

e20

.259

.024

10.624

***

e21

.228

.023

9.959

***

e22

.304

.028

10.822

***

e23

.266

.025

10.431

***

e27

.347

.032

10.982

***

e28

.235

.024

9.718

***

e29

.270

.026

10.489

***

e30

.329

.030

10.873

***

e31

.157

.014

10.981

***

e32

.218

.019

11.736

***

e33

.206

.018

11.379

***

e34


.167

.015

11.238

***

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


Estimate

Muc_Do


.716

MD4

.679

MD3

.663

MD2

.614

MD1

.705

DK1

.577

DK2

.614

DK3

.672

DK4

.565

TL1

.645

TL2

.609

TL3

.681

TL4

.629

BM1

.689

BM2

.714

BM3

.653

BM4

.604

XH1


.667

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