Trang chủ / Ngân Hàng

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 - 28



CMIN

Model

NPAR

CMIN

DF

P

CMIN/DF

Default model

107

1053.757

596

.000

1.768

Saturated model

703

.000

0



Independence model

37

9195.093

666

.000

13.806

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RMR, GFI

Model

RMR

GFI

AGFI

PGFI

Default model

.025

.890

.870

.754

Saturated model

.000

1.000



Independence model

.161

.253

.211

.240

Baseline Comparisons

Model

NFI

Delta1

RFI

rho1

IFI

Delta2

TLI

rho2

CFI

Default model

.885

.872

.947

.940

.946

Saturated model

1.000


1.000


1.000

Independence model

.000

.000

.000

.000

.000


Parsimony-Adjusted Measures

Model

PRATIO

PNFI

PCFI

Default model

.895

.792

.847

Saturated model

.000

.000

.000

Independence model

1.000

.000

.000

NCP

Model

NCP

LO 90

HI 90

Default model

457.757

371.210

552.145

Saturated model

.000

.000

.000

Independence model

8529.093

8222.633

8841.991

FMIN

Model

FMIN

F0

LO 90

HI 90

Default model

2.384

1.036

.840

1.249

Saturated model

.000

.000

.000

.000

Independence model

20.803

19.297

18.603

20.005

RMSEA

Model

RMSEA

LO 90

HI 90

PCLOSE

Default model

.042

.038

.046

1.000

Independence model

.170

.167

.173

.000

AIC

Model

AIC

BCC

BIC

CAIC

Default model

1267.757

1287.885

1705.769

1812.769

Saturated model

1406.000

1538.248

4283.780

4986.780

Independence model

9269.093

9276.053

9420.555

9457.555

ECVI

Model

ECVI

LO 90

HI 90

MECVI

Default model

2.868

2.672

3.082

2.914

Saturated model

3.181

3.181

3.181

3.480

Independence model

20.971

20.277

21.679

20.987


Bootstrap 1000 lần

Parameter

SE

SE-SE

Mean

Bias

SE-

Bias

CR

YD

<---

HI

0.039

0.001

0.29

0

0.001

0

YD

<---

XH

0.038

0.001

0.169

0.001

0.001

1

YD

<---

CP

0.043

0.001

0.191

-0.002

0.001

-2

YD

<---

RR

0.039

0.001

0.223

0.002

0.001

2

YD

<---

HA

0.043

0.001

0.209

0.001

0.001

1

YD

<---

DM

0.034

0.001

0.026

0.002

0.001

2

YD

<---

DSD

0.041

0.001

0.225

-0.001

0.001

-1

LC

<---

YD

0.019

0

0.899

0

0.001

0


PHÂN TÍCH CẤU TRÚC ĐA NHÓM

❖ Giới tính Nhóm nữ giới

Regression Weights: (NHOM NU GIOI - Unconstrained)


Estimate

S.E.

C.R.

P

Label

YD

<---

HI

.315

.078

4.032

***

b2_1

YD

<---

XH

.178

.058

3.066

.002

b3_1

YD

<---

CP

.214

.062

3.443

***

b4_1

YD

<---

RR

.326

.094

3.453

***

b5_1

YD

<---

HA

.206

.070

2.946

.003

b6_1

YD

<---

DM

.028

.048

.590

.555

b7_1

YD

<---

DSD

.324

.077

4.213

***

b8_1

LC

<---

YD

.575

.061

9.432

***

b1_1

HI3

<---

HI

1.000





HI5

<---

HI

1.287

.103

12.527

***

a1_1

HI2

<---

HI

1.074

.090

11.987

***

a2_1

HI1

<---

HI

.946

.086

10.973

***

a3_1

HI4

<---

HI

.950

.092

10.274

***

a4_1

XH4

<---

XH

1.000





XH5

<---

XH

.845

.074

11.377

***

a5_1

XH3

<---

XH

.823

.078

10.533

***

a6_1

XH2

<---

XH

.858

.085

10.148

***

a7_1

XH1

<---

XH

.899

.085

10.539

***

a8_1

CP4

<---

CP

1.000





CP3

<---

CP

.999

.052

19.038

***

a9_1

CP2

<---

CP

.905

.067

13.404

***

a10_1

CP1

<---

CP

.694

.063

10.959

***

a11_1

RR3

<---

RR

1.000





RR4

<---

RR

1.069

.116

9.205

***

a12_1

RR1

<---

RR

.959

.120

7.982

***

a13_1

RR2

<---

RR

1.024

.118

8.678

***

a14_1

HA4

<---

HA

1.000





HA3

<---

HA

.933

.090

10.318

***

a15_1

HA2

<---

HA

.918

.087

10.505

***

a16_1

Estimate

S.E.

C.R.

P

Label

HA1

<---

HA

1.025

.103

9.968

***

a17_1

DM2

<---

DM

1.000





DM3

<---

DM

.803

.078

10.359

***

a18_1

DM1

<---

DM

1.131

.103

11.004

***

a19_1

DM4

<---

DM

.744

.085

8.761

***

a20_1

DSD4

<---

DSD

1.000





DSD3

<---

DSD

.857

.097

8.853

***

a21_1

DSD2

<---

DSD

.841

.099

8.518

***

a22_1

DSD1

<---

DSD

.960

.099

9.701

***

a23_1

YD1

<---

YD

1.000





YD3

<---

YD

1.021

.076

13.425

***

a24_1

YD2

<---

YD

.857

.080

10.686

***

a25_1

YD4

<---

YD

.854

.082

10.411

***

a26_1

LC1

<---

LC

1.000





LC2

<---

LC

.815

.085

9.572

***

a27_1

LC3

<---

LC

1.060

.118

8.963

***

a28_1



Nhóm nam giới

Regression Weights: (NHOM NAM GIOI - Unconstrained)


Estimate

S.E.

C.R.

P

Label

YD

<---

HI

.340

.066

5.185

***

b2_2

YD

<---

XH

.058

.062

.926

.354

b3_2

YD

<---

CP

.070

.056

1.246

.213

b4_2

YD

<---

RR

.144

.060

2.410

.016

b5_2

YD

<---

HA

.292

.103

2.849

.004

b6_2

YD

<---

DM

-.013

.037

-.366

.714

b7_2

YD

<---

DSD

.127

.054

2.369

.018

b8_2

LC

<---

YD

.600

.110

5.453

***

b1_2

HI3

<---

HI

1.000





HI5

<---

HI

.904

.095

9.472

***

a1_2

HI2

<---

HI

.633

.076

8.307

***

a2_2

HI1

<---

HI

.659

.073

9.037

***

a3_2

HI4

<---

HI

.812

.088

9.238

***

a4_2

XH4

<---

XH

1.000





XH5

<---

XH

.897

.099

9.095

***

a5_2

XH3

<---

XH

1.055

.117

9.002

***

a6_2

XH2

<---

XH

.612

.093

6.554

***

a7_2

XH1

<---

XH

.657

.097

6.746

***

a8_2

CP4

<---

CP

1.000





CP3

<---

CP

1.053

.061

17.119

***

a9_2

CP2

<---

CP

.926

.066

14.097

***

a10_2

CP1

<---

CP

.628

.074

8.504

***

a11_2

RR3

<---

RR

1.000





RR4

<---

RR

.950

.084

11.261

***

a12_2

RR1

<---

RR

.933

.092

10.167

***

a13_2

RR2

<---

RR

.745

.074

10.136

***

a14_2

HA4

<---

HA

1.000





HA3

<---

HA

1.161

.146

7.967

***

a15_2

HA2

<---

HA

1.157

.146

7.932

***

a16_2

HA1

<---

HA

1.109

.142

7.790

***

a17_2

DM2

<---

DM

1.000





DM3

<---

DM

.588

.065

9.093

***

a18_2

DM1

<---

DM

.993

.093

10.722

***

a19_2

DM4

<---

DM

.504

.075

6.693

***

a20_2

Estimate

S.E.

C.R.

P

Label

DSD4

<---

DSD

1.000





DSD3

<---

DSD

.682

.097

7.055

***

a21_2

DSD2

<---

DSD

.937

.103

9.115

***

a22_2

DSD1

<---

DSD

.595

.079

7.507

***

a23_2

YD1

<---

YD

1.000





YD3

<---

YD

.896

.118

7.616

***

a24_2

YD2

<---

YD

.977

.129

7.557

***

a25_2

YD4

<---

YD

1.005

.135

7.442

***

a26_2

LC1

<---

LC

1.000





LC2

<---

LC

.674

.131

5.155

***

a27_2

LC3

<---

LC

1.347

.244

5.522

***

a28_2



Assuming model Unconstrained to be correct:

Model

DF

CMIN

P

NFI

Delta-1

IFI

Delta-2

RFI

rho-1

TLI

rho2

Structural weights

36

82.380

.000

.010

.011

.002

.002


❖ Độ tuổi Nhóm dưới 18 tuổi

Regression Weights: (duoi 18 - Unconstrained)


Estimate

S.E.

C.R.

P

Label

YD

<---

HI

.385

.138

2.797

.005

b2_1

YD

<---

XH

.101

.093

1.092

.275

b3_1

YD

<---

CP

.039

.118

.332

.740

b4_1

YD

<---

RR

.289

.186

1.559

.119

b5_1

YD

<---

HA

.062

.107

.582

.561

b6_1

YD

<---

DM

.035

.069

.507

.612

b7_1

YD

<---

DSD

.762

.214

3.565

***

b8_1

LC

<---

YD

.405

.094

4.314

***

b1_1

HI3

<---

HI

1.000





HI5

<---

HI

1.202

.155

7.768

***

a1_1

HI2

<---

HI

.778

.133

5.868

***

a2_1

HI1

<---

HI

.775

.126

6.140

***

a3_1

HI4

<---

HI

.750

.144

5.206

***

a4_1

XH4

<---

XH

1.000





XH5

<---

XH

.659

.102

6.483

***

a5_1

XH3

<---

XH

.628

.117

5.390

***

a6_1

XH2

<---

XH

.810

.150

5.403

***

a7_1

XH1

<---

XH

.914

.124

7.349

***

a8_1

CP4

<---

CP

1.000





CP3

<---

CP

.982

.096

10.262

***

a9_1

CP2

<---

CP

1.033

.104

9.944

***

a10_1

CP1

<---

CP

.607

.089

6.800

***

a11_1

RR3

<---

RR

1.000





RR4

<---

RR

.904

.170

5.304

***

a12_1

RR1

<---

RR

1.200

.215

5.574

***

a13_1

RR2

<---

RR

.938

.183

5.115

***

a14_1

HA4

<---

HA

1.000





HA3

<---

HA

.668

.126

5.308

***

a15_1

HA2

<---

HA

.792

.133

5.974

***

a16_1

HA1

<---

HA

.878

.145

6.058

***

a17_1

DM2

<---

DM

1.000





DM3

<---

DM

.744

.110

6.751

***

a18_1

DM1

<---

DM

1.057

.136

7.779

***

a19_1

Estimate

S.E.

C.R.

P

Label

DM4

<---

DM

.690

.115

6.023

***

a20_1

DSD4

<---

DSD

1.000





DSD3

<---

DSD

1.236

.227

5.455

***

a21_1

DSD2

<---

DSD

1.251

.236

5.293

***

a22_1

DSD1

<---

DSD

1.091

.221

4.944

***

a23_1

YD1

<---

YD

1.000





YD3

<---

YD

1.053

.131

8.049

***

a24_1

YD2

<---

YD

1.026

.131

7.849

***

a25_1

YD4

<---

YD

.818

.150

5.458

***

a26_1

LC1

<---

LC

1.000





LC2

<---

LC

1.603

.403

3.975

***

a27_1

LC3

<---

LC

1.779

.441

4.035

***

a28_1



Nhóm từ 18 đến 30

Regression Weights: (tu 18 den 30 - Unconstrained)


Estimate

S.E.

C.R.

P

Label

YD

<---

HI

.149

.087

1.724

.085

b2_2

YD

<---

XH

.140

.058

2.410

.016

b3_2

YD

<---

CP

.150

.061

2.449

.014

b4_2

YD

<---

RR

.222

.085

2.626

.009

b5_2

YD

<---

HA

.208

.083

2.506

.012

b6_2

YD

<---

DM

.072

.054

1.327

.185

b7_2

YD

<---

DSD

.141

.070

2.011

.044

b8_2

LC

<---

YD

.226

.079

2.866

.004

b1_2

HI3

<---

HI

1.000





HI5

<---

HI

1.251

.134

9.335

***

a1_2

HI2

<---

HI

1.135

.117

9.668

***

a2_2

HI1

<---

HI

.999

.114

8.771

***

a3_2

HI4

<---

HI

1.181

.129

9.164

***

a4_2

XH4

<---

XH

1.000





XH5

<---

XH

.905

.088

10.245

***

a5_2

XH3

<---

XH

.908

.094

9.613

***

a6_2

XH2

<---

XH

.833

.090

9.219

***

a7_2

XH1

<---

XH

.931

.102

9.126

***

a8_2

CP4

<---

CP

1.000





CP3

<---

CP

.941

.059

16.041

***

a9_2

CP2

<---

CP

.742

.080

9.300

***

a10_2

CP1

<---

CP

.648

.083

7.785

***

a11_2

RR3

<---

RR

1.000





RR4

<---

RR

1.135

.133

8.507

***

a12_2

RR1

<---

RR

.947

.131

7.227

***

a13_2

RR2

<---

RR

.929

.125

7.450

***

a14_2

HA4

<---

HA

1.000





HA3

<---

HA

1.042

.136

7.644

***

a15_2

HA2

<---

HA

1.000

.131

7.648

***

a16_2

HA1

<---

HA

1.218

.158

7.691

***

a17_2

DM2

<---

DM

1.000





DM3

<---

DM

.755

.094

8.011

***

a18_2

DM1

<---

DM

1.153

.132

8.709

***

a19_2

DM4

<---

DM

.679

.106

6.428

***

a20_2

DSD4

<---

DSD

1.000





DSD3

<---

DSD

.878

.120

7.340

***

a21_2

DSD2

<---

DSD

.710

.109

6.544

***

a22_2

DSD1

<---

DSD

.812

.109

7.457

***

a23_2

Estimate

S.E.

C.R.

P

Label

YD1

<---

YD

1.000





YD3

<---

YD

1.097

.155

7.065

***

a24_2

YD2

<---

YD

.922

.157

5.861

***

a25_2

YD4

<---

YD

.790

.145

5.450

***

a26_2

LC1

<---

LC

1.000





LC2

<---

LC

-.419

.216

-1.942

.052

a27_2

LC3

<---

LC

1.659

.602

2.756

.006

a28_2



Nhóm từ 30 đến 42

Regression Weights: (tu 30 den 42 - Unconstrained)


Estimate

S.E.

C.R.

P

Label

YD

<---

HI

.236

.083

2.838

.005

b2_3

YD

<---

XH

.196

.113

1.740

.082

b3_3

YD

<---

CP

.111

.119

.937

.349

b4_3

YD

<---

RR

.239

.133

1.797

.072

b5_3

YD

<---

HA

-.197

.252

-.781

.435

b6_3

YD

<---

DM

-.043

.060

-.725

.468

b7_3

YD

<---

DSD

.130

.104

1.255

.210

b8_3

LC

<---

YD

.237

.142

1.669

.095

b1_3

HI3

<---

HI

1.000





HI5

<---

HI

.713

.107

6.648

***

a1_3

HI2

<---

HI

.591

.100

5.941

***

a2_3

HI1

<---

HI

.726

.095

7.629

***

a3_3

HI4

<---

HI

.514

.097

5.294

***

a4_3

XH4

<---

XH

1.000





XH5

<---

XH

.771

.129

5.961

***

a5_3

XH3

<---

XH

.945

.159

5.930

***

a6_3

XH2

<---

XH

.523

.129

4.046

***

a7_3

XH1

<---

XH

.711

.129

5.519

***

a8_3

CP4

<---

CP

1.000





CP3

<---

CP

.920

.108

8.547

***

a9_3

CP2

<---

CP

1.124

.102

10.974

***

a10_3

CP1

<---

CP

.660

.113

5.859

***

a11_3

RR3

<---

RR

1.000





RR4

<---

RR

.926

.165

5.617

***

a12_3

RR1

<---

RR

.918

.182

5.046

***

a13_3

RR2

<---

RR

.847

.164

5.161

***

a14_3

HA4

<---

HA

1.000





HA3

<---

HA

1.442

.292

4.937

***

a15_3

HA2

<---

HA

1.256

.277

4.543

***

a16_3

HA1

<---

HA

1.321

.282

4.685

***

a17_3

DM2

<---

DM

1.000





DM3

<---

DM

.456

.083

5.510

***

a18_3

DM1

<---

DM

.873

.115

7.605

***

a19_3

DM4

<---

DM

.443

.098

4.507

***

a20_3

DSD4

<---

DSD

1.000





DSD3

<---

DSD

1.010

.165

6.111

***

a21_3

DSD2

<---

DSD

1.135

.180

6.310

***

a22_3

DSD1

<---

DSD

.656

.151

4.351

***

a23_3

YD1

<---

YD

1.000





YD3

<---

YD

1.218

.261

4.662

***

a24_3

YD2

<---

YD

1.245

.272

4.581

***

a25_3

YD4

<---

YD

.840

.221

3.799

***

a26_3

LC1

<---

LC

1.000





Estimate

S.E.

C.R.

P

Label

LC2

<---

LC

.002

.091

.027

.978

a27_3

LC3

<---

LC

-.007

.268

-.027

.978

a28_3



Nhóm trên 42

Regression Weights: (tren 42 - Unconstrained)


Estimate

S.E.

C.R.

P

Label

YD

<---

HI

.402

.126

3.183

.001

b2_4

YD

<---

XH

-.157

.110

-1.418

.156

b3_4

YD

<---

CP

.147

.070

2.084

.037

b4_4

YD

<---

RR

.131

.086

1.514

.130

b5_4

YD

<---

HA

.455

.159

2.861

.004

b6_4

YD

<---

DM

-.023

.072

-.318

.750

b7_4

YD

<---

DSD

.059

.069

.850

.395

b8_4

LC

<---

YD

.053

.101

.527

.598

b1_4

HI3

<---

HI

1.000





HI5

<---

HI

1.259

.196

6.424

***

a1_4

HI2

<---

HI

.703

.138

5.078

***

a2_4

HI1

<---

HI

.473

.126

3.758

***

a3_4

HI4

<---

HI

1.202

.180

6.693

***

a4_4

XH4

<---

XH

1.000





XH5

<---

XH

1.037

.204

5.092

***

a5_4

XH3

<---

XH

1.147

.225

5.106

***

a6_4

XH2

<---

XH

.655

.177

3.701

***

a7_4

XH1

<---

XH

.373

.161

2.323

.020

a8_4

CP4

<---

CP

1.000





CP3

<---

CP

1.090

.068

16.073

***

a9_4

CP2

<---

CP

.753

.087

8.659

***

a10_4

CP1

<---

CP

.502

.098

5.126

***

a11_4

RR3

<---

RR

1.000





RR4

<---

RR

.933

.103

9.065

***

a12_4

RR1

<---

RR

.829

.111

7.455

***

a13_4

RR2

<---

RR

.682

.078

8.768

***

a14_4

HA4

<---

HA

1.000





HA3

<---

HA

1.722

.297

5.805

***

a15_4

HA2

<---

HA

1.298

.244

5.314

***

a16_4

HA1

<---

HA

1.065

.227

4.698

***

a17_4

DM2

<---

DM

1.000





DM3

<---

DM

.858

.102

8.384

***

a18_4

DM1

<---

DM

1.166

.144

8.106

***

a19_4

DM4

<---

DM

.676

.126

5.380

***

a20_4

DSD4

<---

DSD

1.000





DSD3

<---

DSD

.440

.122

3.594

***

a21_4

DSD2

<---

DSD

.791

.123

6.419

***

a22_4

DSD1

<---

DSD

.495

.089

5.567

***

a23_4

YD1

<---

YD

1.000





YD3

<---

YD

.544

.132

4.138

***

a24_4

YD2

<---

YD

.580

.156

3.709

***

a25_4

YD4

<---

YD

.726

.174

4.169

***

a26_4

LC1

<---

LC

1.000





LC2

<---

LC

7.851

14.871

.528

.598

a27_4

LC3

<---

LC

11.208

21.231

.528

.598

a28_4

Assuming model Unconstrained to be correct:

Model

DF

CMIN

P

NFI

Delta-1

IFI

Delta-2

RFI

rho-1

TLI

rho2

Structural weights

108

268.421

.000

.026

.034

.008

.011


PHÂN TÍCH BIẾN ĐIỀU TIẾT

CMIN Model NPAR CMIN DF P CMIN DF Default model 42 21 345 13 066 1 642 Saturated model 55 000 0 1

CMIN

Model

NPAR

CMIN

DF

P

CMIN/DF

Default model

42

21.345

13

.066

1.642

Saturated model

55

.000

0



Independence model

10

1262.379

45

.000

28.053


RMR, GFI

Model

RMR

GFI

AGFI

PGFI

Default model

.016

.991

.960

.234

Saturated model

.000

1.000



Independence model

.119

.520

.414

.426


Baseline Comparisons

Model

NFI

Delta1

RFI

rho1

IFI

Delta2

TLI

rho2

CFI

Default model

.983

.941

.993

.976

.993

Saturated model

1.000


1.000


1.000

Independence model

.000

.000

.000

.000

.000

RMSEA

Model

RMSEA

LO 90

HI 90

PCLOSE

Default model

.038

.000

.066

.727

Independence model

.247

.236

.259

.000

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