Các yếu tố ảnh hưởng đến việc lựa chọn dịch vụ ngân hàng trực tuyến của khách hàng cá nhân, nghiên cứu tại các ngân hàng thương mại - 26

DSD1

.203

.261

-.145

-.197

-.147

-.136

.190

DSD2

.123

.191

-.184

-.151

-.204

-.165

.133

DSD3

.049

-.026

-.178

-.176

-.187

-.174

.164

DSD4

.186

.195

-.136

-.204

-.202

-.133

.141

HI1

.477

.578

-.082

-.182

-.141

-.140

.161

HI2

.519

.607

-.156

-.164

-.094

-.098

.275

HI3

.577

.607

-.213

-.268

-.219

-.198

.203

HI4

1.000

.551

-.177

-.172

-.200

-.129

.134

HI5

.551

1.000

-.167

-.253

-.209

-.233

.135

RRR1

-.177

-.167

1.000

.507

.590

.531

-.230

RRR2

-.172

-.253

.507

1.000

.568

.586

-.265

RRR3

-.200

-.209

.590

.568

1.000

.615

-.145

RRR4

-.129

-.233

.531

.586

.615

1.000

-.157

HA1

.134

.135

-.230

-.265

-.145

-.157

1.000

HA2

.145

.137

-.220

-.232

-.273

-.227

.497

HA3

.224

.243

-.156

-.189

-.133

-.179

.541

HA4

.109

.185

-.254

-.286

-.198

-.228

.584

CP1

.234

.239

-.276

-.281

-.211

-.235

.352

CP2

.328

.283

-.261

-.262

-.294

-.298

.316

CP3

.331

.353

-.331

-.332

-.361

-.306

.309

CP4

.346

.379

-.305

-.298

-.335

-.290

.324

XH1

.240

.150

-.161

-.123

-.140

-.095

.230

XH2

.133

.067

-.129

-.134

-.139

-.064

.154

XH3

.198

.054

-.093

-.079

-.076

-.041

.140

XH4

.179

.065

-.113

-.026

-.057

-.026

.200

XH5

.212

.099

-.046

-.051

-.044

-.012

.175

DM1

.085

.009

-.034

-.057

-.034

.010

.034

DM2

.076

.032

-.013

.031

.035

.038

.021

DM3

.054

.019

-.091

-.067

-.076

-.023

.078

DM4

.013

-.040

-.101

-.082

-.055

-.040

.112

YD1

.326

.398

-.322

-.386

-.328

-.315

.302

YD2

.373

.382

-.248

-.336

-.206

-.279

.306

YD3

.338

.402

-.333

-.394

-.334

-.359

.337

YD4

.396

.345

-.246

-.354

-.263

-.308

.255

DSD1

.143

.185

.201

.290

.227

.287

.265

DSD2

.174

.136

.217

.227

.223

.269

.265

DSD3

.110

.048

.184

.195

.266

.156

.172

DSD4

.132

.161

.210

.247

.239

.247

.245

HI1

.170

.197

.184

.232

.211

.279

.285

HI2

.118

.183

.164

.258

.221

.351

.352

HI3

.190

.227

.175

.220

.285

.297

.321

HI4

.145

.224

.109

.234

.328

.331

.346

HI5

.137

.243

.185

.239

.283

.353

.379

RRR1

-.220

-.156

-.254

-.276

-.261

-.331

-.305

RRR2

-.232

-.189

-.286

-.281

-.262

-.332

-.298

RRR3

-.273

-.133

-.198

-.211

-.294

-.361

-.335

RRR4

-.227

-.179

-.228

-.235

-.298

-.306

-.290

HA1

.497

.541

.584

.352

.316

.309

.324

HA2

1.000

.590

.582

.317

.280

.306

.297

HA3

.590

1.000

.551

.346

.318

.388

.370

HA4

.582

.551

1.000

.278

.283

.260

.263

CP1

.317

.346

.278

1.000

.535

.606

.582

CP2

.280

.318

.283

.535

1.000

.612

.747

CP3

.306

.388

.260

.606

.612

1.000

.870

CP4

.297

.370

.263

.582

.747

.870

1.000

XH1

.150

.199

.165

.238

.211

.191

.193

XH2

.081

.121

.055

.232

.186

.180

.139

XH3

.190

.188

.171

.278

.214

.192

.180

XH4

.130

.214

.158

.271

.143

.164

.136

XH5

.205

.240

.146

.226

.157

.141

.122

DM1

.049

.050

.052

.021

.055

.014

.040

DM2

-.007

.048

.004

.026

.027

.059

.062

DM3

.063

.088

.035

.014

.035

.019

.027

DM4

.035

.098

.077

-.008

.029

.022

.014

YD1

.360

.290

.378

.428

.428

.478

.471

YD2

.273

.342

.375

.416

.354

.425

.416

YD3

.340

.328

.367

.449

.414

.509

.519

YD4

.289

.322

.381

.359

.388

.388

.411

DSD1

.090

.090

.150

.136

.150

.018

-.020

DSD2

-.017

.035

.097

.100

.035

.048

.084

DSD3

-.022

.007

.103

.046

.024

-.058

-.068

DSD4

.074

.070

.092

.155

.095

-.040

-.046

HI1

.199

.073

.135

.141

.102

.065

.040

HI2

.206

.113

.047

.158

.103

-.039

.040

HI3

.186

.060

.070

.081

.091

.111

.093

HI4

.240

.133

.198

.179

.212

.085

.076

HI5

.150

.067

.054

.065

.099

.009

.032

RRR1

-.161

-.129

-.093

-.113

-.046

-.034

-.013

RRR2

-.123

-.134

-.079

-.026

-.051

-.057

.031

RRR3

-.140

-.139

-.076

-.057

-.044

-.034

.035

RRR4

-.095

-.064

-.041

-.026

-.012

.010

.038

HA1

.230

.154

.140

.200

.175

.034

.021

HA2

.150

.081

.190

.130

.205

.049

-.007

HA3

.199

.121

.188

.214

.240

.050

.048

HA4

.165

.055

.171

.158

.146

.052

.004

CP1

.238

.232

.278

.271

.226

.021

.026

CP2

.211

.186

.214

.143

.157

.055

.027

CP3

.191

.180

.192

.164

.141

.014

.059

CP4

.193

.139

.180

.136

.122

.040

.062

XH1

1.000

.569

.438

.574

.473

.085

.065

XH2

.569

1.000

.492

.483

.501

.010

-.015

XH3

.438

.492

1.000

.564

.590

.035

.043

XH4

.574

.483

.564

1.000

.588

.026

.048

XH5

.473

.501

.590

.588

1.000

.039

.032

DM1

.085

.010

.035

.026

.039

1.000

.686

DM2

.065

-.015

.043

.048

.032

.686

1.000

DM3

.020

-.013

-.015

.022

-.004

.536

.596

DM4

.047

.019

.042

.008

.018

.469

.460

YD1

.324

.217

.160

.206

.196

.098

.047

YD2

.268

.225

.206

.207

.205

.110

.057

YD3

.273

.221

.208

.200

.229

.068

.030

YD4

.321

.258

.217

.305

.255

.119

.001

DSD1

-.024

-.019

.325

.364

.364

.295

DSD2

.055

.001

.287

.263

.310

.253

DSD3

-.009

-.048

.148

.164

.246

.143

DSD4

-.033

-.107

.271

.247

.309

.274

HI1

.029

.014

.342

.326

.307

.342

HI2

.007

.000

.322

.286

.338

.280

HI3

.070

.040

.388

.348

.366

.298

HI4

.054

.013

.326

.373

.338

.396

HI5

.019

-.040

.398

.382

.402

.345

RRR1

-.091

-.101

-.322

-.248

-.333

-.246

RRR2

-.067

-.082

-.386

-.336

-.394

-.354

RRR3

-.076

-.055

-.328

-.206

-.334

-.263

RRR4

-.023

-.040

-.315

-.279

-.359

-.308

HA1

.078

.112

.302

.306

.337

.255

HA2

.063

.035

.360

.273

.340

.289

HA3

.088

.098

.290

.342

.328

.322

HA4

.035

.077

.378

.375

.367

.381

CP1

.014

-.008

.428

.416

.449

.359

CP2

.035

.029

.428

.354

.414

.388

CP3

.019

.022

.478

.425

.509

.388

CP4

.027

.014

.471

.416

.519

.411

XH1

.020

.047

.324

.268

.273

.321

XH2

-.013

.019

.217

.225

.221

.258

XH3

-.015

.042

.160

.206

.208

.217

XH4

.022

.008

.206

.207

.200

.305

XH5

-.004

.018

.196

.205

.229

.255

DM1

.536

.469

.098

.110

.068

.119

DM2

.596

.460

.047

.057

.030

.001

DM3

1.000

.648

.078

.026

.060

.034

DM4

.648

1.000

.065

.031

.026

.048

YD1

.078

.065

1.000

.609

.679

.586

YD2

.026

.031

.609

1.000

.624

.491

YD3

.060

.026

.679

.624

1.000

.594

YD4

.034

.048

.586

.491

.594

1.000

.873

Bartlett's Test of Sphericity

Approx. Chi-Square

7802.493

df

561

Sig.

.000

.457

.507

DSD2

.447

.503

DSD3

.456

.483

DSD4

.496

.590

HI1

.503

.514

HI2

.574

.569

HI3

.573

.649

HI4

.519

.516

.607

.652

RRR1

.465

.509

RRR2

.508

.548

RRR3

.569

.677

RRR4

.522

.588

HA1

.514

.521

HA2

.519

.547

HA3

.537

.586

HA4

.554

.650

CP1

.490

.484

CP2

.647

.561

CP3

.798

.780

CP4

.843

.962

XH1

.507

.534

XH2

.470

.508

XH3

.501

.527

XH4

.552

.610

XH5

.505

.565

DM1

.550

.580

DM2

.584

.644

DM3

.562

.639

DM4

.478

.476

YD1

.613

.681

YD2

.531

.562

YD3

.629

.676

YD4

.537

.516

Initial Eigenvalues

Extraction Sums of Squared Loadings

Rotation Sums of

Squared Loadingsa

Factor

Total

% of

Variance

Cumulative

%

Total

% of

Variance

Cumulative

%

Total

1

8.849

26.028

26.028

8.461

24.887

24.887

4.952

2

2.833

8.331

34.359

2.403

7.068

31.954

3.847

3

2.732

8.035

42.394

2.311

6.797

38.751

5.793

4

2.442

7.181

49.575

2.015

5.927

44.679

4.235

5

1.947

5.726

55.301

1.497

4.403

49.082

4.632

6

1.814

5.334

60.635

1.393

4.098

53.180

2.391

7

1.458

4.288

64.923

1.173

3.451

56.631

3.572

8

1.059

3.114

68.037

.659

1.937

58.568

6.638

9

.774

2.277

70.314

10

.668

1.965

72.279

11

.642

1.889

74.168

12

.626

1.840

76.009

13

.595

1.750

77.758

14

.563

1.657

79.415

15

.554

1.629

81.044

16

.504

1.481

82.525

17

.484

1.425

83.949

18

.465

1.369

85.318

19

.457

1.345

86.664

20

.422

1.241

87.904

21

.414

1.217

89.122

.395

1.163

90.285

23

.361

1.062

91.347

24

.352

1.036

92.382

25

.343

1.008

93.390

26

.335

.984

94.374

27

.308

.906

95.280

28

.288

.847

96.127

29

.282

.829

96.956

30

.272

.801

97.757

31

.231

.679

98.436

32

.225

.662

99.097

33

.212

.623

99.720

34

.095

.280

100.000

.746

CP4

.736

.613

YD1

.725

CP3

.717

YD2

.665

YD4

.658

CP2

.632

CP1

.622

HI5

.555

.540

HA3

.532

HA4

.530

HI4

.528

RRR2

-.519

HA1

.506

HA2

RRR3

RRR1

RRR4

XH4

XH5

XH1

XH3

XH2

DM3

-.619

DM2

.506

-.571

DM1

-.549

DM4

-.511

HI2

.545

HI3

.531

.537

HI1

DSD4

.508

DSD1

DSD2

DSD3

.802

HI5

.774

HI2

.769

HI1

.720

HI4

.670

XH4

.788

XH5

.749

XH3

.729

XH2

.706

XH1

.669

CP4

1.028

CP3

.852

CP2

.685

CP1

.524

RRR3

-.848

RRR4

-.749

RRR1

-.696

RRR2

-.658

HA4

.784

HA3

.735

HA2

.731

HA1

.703

DM2

.800

DM3

.797

DM1

.751

DM4

.674

DSD4

.767

DSD3

.701

DSD2

.688

DSD1

.643

YD1

.818

YD3

.735

YD2

.712

YD4

.605

.799

HI3

.795

HI2

.747

HI1

.714

HI4

.705

XH4

.776

XH5

.747

XH3

.718

XH1

.708

XH2

.695

CP4

.976

.550

CP3

.881

.551

CP2

.744

CP1

.660

.509

RRR3

-.816

-.764

RRR2

-.727

RRR1

-.708

HA4

.791

HA3

.751

HA2

.736

HA1

.719

DM3

.795

DM2

.793

DM1

.755

DM4

.680

DSD4

.763

DSD2

.701

DSD1

.694

DSD3

.673

YD1

.515

.823

YD3

.551

.816

YD2

.746

YD4

.709

1.000

.227

.451

.270

.297

.069

.199

.564

2

.227

1.000

.295

.124

.300

.046

.156

.389

3

.451

.295

1.000

.424

.456

.049

.375

.597

4

.270

.124

.424

1.000

.343

.050

.279

.496

5

.297

.300

.456

.343

1.000

.086

.289

.526

6

.069

.046

.049

.050

.086

1.000

-.035

.089

7

.199

.156

.375

.279

.289

-.035

1.000

.447

8

.564

.389

.597

.496

.526

.089

.447

1.000

21-APRIL-2021 23:44:47

Comments

Input

Active Dataset

DataSet1

Filter

<none>

Weight

<none>

Split File

<none>

456

Missing Value Handling

Definition of Missing

MISSING=EXCLUDE: User-

defined missing values are treated as missing.

Cases Used

LISTWISE: Statistics are based on cases with no missing values for any variable used.

Syntax

FACTOR

/VARIABLES YD1 YD2 YD3 YD4

/MISSING LISTWISE

/ANALYSIS YD1 YD2 YD3 YD4

/PRINT UNIVARIATE INITIAL CORRELATION KMO EXTRACTION ROTATION

/FORMAT SORT BLANK(.5)

/CRITERIA MINEIGEN(1) ITERATE(25)

/EXTRACTION PAF

/CRITERIA ITERATE(25)

/ROTATION PROMAX(4)

/METHOD=CORRELATION.

Resources

Processor Time

00:00:00.02

Elapsed Time

00:00:00.01

Maximum Memory Required

3008 (2.938K) bytes

3.38

.819

443

YD2

3.42

.802

443

YD3

3.36

.784

443

YD4

3.44

.833

443

YD1

1.000

.609

.679

.586

YD2

.609

1.000

.624

.491

YD3

.679

.624

1.000

.594

YD4

.586

.491

.594

1.000

.819

Bartlett's Test of Sphericity

Approx. Chi-Square

777.872

df

6

Sig.

.000

Initial

Extraction

.551

.679

YD2

.459

.534

YD3

.568

.707

YD4

.421

.489