Developing card services at Asia Commercial Joint Stock Bank

CN4

9.5556

6.602

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,677

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2.4. Analysis results of Cronbach's Alpha coefficient on brand scale (TH)

Reliability Statistics

Cronbach's

Alpha

N of Items

,728

Item-Total Statistics

	Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item- Total Correlation	Cronbach's Alpha if Item Deleted
TH1	10.7870	4,996	,593	,621
TH2	10.5694	5,260	,512	,671
TH3	10,8102	5.122	,558	,643
TH4	10,7500	5.919	,412	,725

2.5. Analysis results of Cronbach's Alpha coefficient on ATM/POS network scale (ML)

Reliability Statistics

Cronbach's

Alpha

N of Items

,783

Item-Total Statistics

	Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item- Total Correlation	Cronbach's Alpha if Item Deleted
ML1	10.9352	5.698	,606	,722
ML2	10.9676	5.566	,571	,740
ML3	10,8889	6.313	,542	,754
ML4	10.9167	5.258	,645	,700

2.6. Analysis results of Cronbach's Alpha coefficient on the Diversity Utility Scale (TI)

Reliability Statistics

Cronbach's

Alpha

N of Items

,776

Item-Total Statistics

	Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item- Total Correlation	Cronbach's Alpha if Item Deleted
TI1	13.9815	7,739	,546	,737
TI2	14.1389	7,916	,600	,719
TI3	14.1759	8,481	,459	,765
TI4	13.6991	7,979	,522	,745
TI5	13.8565	7,956	,633	,709

2.7. Analysis results of Cronbach's Alpha coefficient of card service development scale (PTDVT)

Reliability Statistics

Cronbach's

Alpha

N of Items

,774

Item-Total Statistics

	Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item- Total Correlation	Cronbach's Alpha if Item Deleted
PTDVT1	6.2917	3.063	,581	,744
PTDVT2	6.5463	1.868	,644	,696
PTDVT3	6.2731	2,534	,669	,635

3. EFA discovery factor analysis results.

3.1. EFA test results of factors affecting card service development

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.		,698
	Approx. Chi-Square	1396,072
Bartlett's Test of Sphericity	DF	276
	Sig.	, 000

Total Variance Explained

Components	Initial Eigenvalues			Extraction Sums of Squared Loadings
Components	Total	% of Variance	Cumulative %	Total	% of Variance	Cumulative %
first	3.257	13,570	13,570	3.257	13,570	13,570
2	2,691	11.214	24.783	2,691	11.214	24.783
3	2,321	9,670	34.454	2,321	9,670	34.454
4	2,281	9,502	43,956	2,281	9,502	43,956
5	1,935	8,065	52.020	1,935	8,065	52.020
6	1.489	6,205	58,225	1.489	6,205	58,225
7	,936	3,902	62,127
8	,830	3.458	65,585
9	,775	3.228	68,813
ten	,742	3.092	71,905
11	,715	2,980	74.886
twelfth	,709	2.955	77.840
13	,660	2.752	80.592
14	,607	2.531	83,123
15	,538	2.241	85,364
16	,514	2.141	87.505
17	,475	1,978	89,483
18	,436	1.818	91,302
19	,413	1,721	93,023
20	,396	1,650	94.673
21	,369	1.536	96,209
22	,332	1.384	97,593
23	,324	1.351	98,944
24	,253	1.056	100,000 yen

Rotated Component Matrix a

	Components
	first	2	3	4	5	6
TI5	.782
TI2	.758
TI1	.712
TI4	.689
TI3	.661
ML4		.817
ML1		.782
ML2		.768
ML3		.702
TL2			.812
TL4			.780
TL1			.729
TL3			.620
TH1				.770
TH3				.766
TH2				.719
TH4				.639
CN2					.794
CN1					.747
CN4					.705
CN3					.679
PL1						.803
PL2						.778
PL3						.777

Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization.

3.2. Decomposition of Card Service Development

Total Variance Explained

Components	Initial Eigenvalues			Extraction Sums of Squared Loadings
Components	Total	% of Variance	Cumu lative %	Total	% of Variance	Cumu lative %
first	2.111	70,364	70,364	2.111	70,364	70,364
2	.506	16.869	87.232
3	.383	12.768	100,000 won
Extraction Method: Principal Component Analysis.

4. Correlation analysis results between independent and dependent variables

Correlations
		TL	PL	CN	th	CN	TIEN	PTDVT
TL	Pearson Correlation	first
	Sig. (2- tailed)
	WOMEN	216
PL	Pearson Correlation	.098	first
	Sig. (2- tailed)	.151
	WOMEN	216	216
CN	Pearson Correlation	.269 **	.055	first
	Sig. (2- tailed)	.000	.422
	WOMEN	216	216	216
th	Pearson Correlation	.174 *	.046	.387 **	first
	Sig. (2- tailed)	.011	.505	.000
	WOMEN	216	216	216	216	216
ML	Pearson Correlation	.294 **	.120	.234 **	.350 **	first
	Sig. (2- tailed)	.000	.077	.001	.000
	WOMEN	216	216	216	216	216
TIEN	Pearson Correlation	.363 **	.090	.266 **	.214 **	.326 **	first
	Sig. (2- tailed)	.000	.186	.000	.002	.000
	WOMEN	216	216	216	216	216	216
PTDVT	Pearson Correlation	.423 **	.189 **	.555 **	.576 **	.536 **	.503 * *	first
	Sig. (2- tailed)	.000	.005	.000	.000	.000	.000
	WOMEN	216	216	216	216	216	216	216
**. Correlation is significant at the 0.01 level (2-tailed).
*. Correlation is significant at the 0.05 level (2-tailed).

5. Linear regression analysis results

Model Summary b

Model	CHEAP	R Square	Adjusted R Square	Std. Error of the Estimate	Durbin-Watson
first	.806 a	.650	.639	.17778	1,913
a. Predictors: (Constant), TL, PL, CN, TH, ML, TI
b. Dependent Variable: PTDVT

ANOVA ah
Model		Sum of Squares	DF	Mean Square	F	sig,
first	Regression	12,242	6	2.040	64,556	000 b
	Surplus	6.606	209	.032
	Total	18,848	215
a. Dependent Variable: PTDVT
b. Predictors: (Constant), TI, PL, TH, TL, CN, ML

Coefficients a
Model		Unstandardized Coefficients		Standardized Coefficients	t	Sig.	Collinearity Statistics
Model		REMOVE	Std. Error	Beta	t	Sig.	Tolerance	VIF
first	(Constant)	-.308	.213		-1.446	.150
	TL	.125	.043	.132	2,907	.004	.809	1.236
	PL	.062	.026	.097	2.355	.019	.980	1.021
	CN	.246	.041	.278	6.038	.000	.791	1.264
	th	.279	.042	.309	6.653	.000	.777	1.287
	ML	.193	.038	.238	5.133	.000	.780	1.282
	TIEN	.187	.038	.229	4,972	.000	.794	1.260
a. Dependent Variable: PTDVT

6. Testing of regression assumptions

Ex 9eeted Cu m P r•b

Normal PP Plot of Regression Standardized Residual Dependent Variable: PTDVT

Observed Cum Prob

APPENDIX 4:

INTERVIEWER QUESTIONS

This survey aims to understand the factors affecting the development of card services at Asia Commercial Joint Stock Bank . Your objective answers contribute to the success of this study. All your information will be used for research purposes only. We will keep your answers private and only publish aggregated results.

Thank you for your cooperation.

A. Prologue

(You answer by ticking or X in the corresponding box )

A 1 . First, please indicate:

Have you/are you using ACB card service? (If you choose Yes , continue to question A2 , if you answer No , end the interview .)

	Have	No
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A 2 . Please indicate if you have been working at ACB and have used ACB's card services for a period of time (If you choose Over 06 months, continue to move to Part B, if you answer Under 06 months, then continue to Part B. end of interview)

	Over 06 months	Less than 6 months
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B. Access to Information

(You answer by ticking or X in the corresponding box ) Please indicate which card type of ACB you are using mainly

Type of card in use

ACB credit card

- World MasterCard

- Visa Platinum

- Visa Business

- JCB/Visa/MasterCard

ACB Debit Card

- JCB Debit

- Visa/MasterCard debit

- ACB2Go

- Business card

Drop prepaid ACB

- Visa/JCB Prepaid

- Master card Dynamic

- JCB Prepaid

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1 _

2 _

3 _

C. Intensive section

The following are statements about ACB's card products and services. Please indicate your level of agreement with the following statements by ticking ( or

X) in the most appropriate box (in each line)

These numbers represent the extent to which you agree or disagree with the following conventional statements:

Totally disagree	Disagree	Neutral	Agree	Totally agree
first	2	3	4	5

Customer psychology
01	When using card services, customers feel afraid of revealing personal information	first	2	3	4	5
02	Customers feel comfortable, happy and accept the use of card services	first	2	3	4	5
03	Customers complain, disagree about the procedure in the process of using card service	first	2	3	4	5
04	Customers are afraid and difficult to understand when they have to make card transactions	first	2	3	4	5
Juridical
05	The guiding policy on implementing the use of payment card services is complete and clear	first	2		3	4	5
06	The State applies supportive policies in the use of card services	first	2		3	4	5
07	The Bank issues its own policies and regulations when using card services	first	2		3	4	5
Technology infrastructure
08	The bank has adequate and modern technical facilities for payment card services.	first	2		3	4	5
09	Technical facilities for card services are many, convenient for users	first	2		3	4	5
ten	Technology used in payment card services is safe and secures customer information	first	2		3	4	5
11	Customers can easily use technologies, technical facilities in the process of using payment card services	first	2		3	4	5
Trademark
twelfth	ACB has a wide brand name	first	2		3	4	5
13	ACB always keeps its reputation	first	2		3	4	5
14	ACB is always at the forefront of social activities	first	2		3	4	5
15	ACB always keeps good information about transactions	first	2		3	4	5
ATM/POS network
16	Wide network of ATM and POS ACB	first	2		3	4	5
17	ACB has a convenient transaction location	first	2		3	4	5
18	ACB's cards and ATMs are easy to use	first	2		3	4	5
19	ACB's ATMs operate 24/24	first	2		3	4	5
Convenience – Diversity
20	ACB's card service portfolio is diverse and rich	first	2		3	4	5
21	ACB card service has many utilities	first	2		3	4	5

22	ACB card service meets transaction needs	first	2	3	4	5
23	ACB card service saves time	first	2	3	4	5
24	ACB card service with high security	first	2	3	4	5
	Card service development
25	ACB card service is well-reviewed, more and more people are recommending to use it	first	2	3	4	5
26	ACB card service brings continuous and long-term value	first	2	3	4	5
27	ACB card service brings love and pride when using	first	2	3	4	5

D. Demographics section

Could you please provide some details about your personal information?

D1. Sex

Sex	male	Female
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D2. Age

Year old	18 - 30	31 - 40	41 – 45	46 – 50	>50
Encode	1 _	2 _	3 _	4 _	5 _

D3. Working years

Seniority	Less than 1 year	From 01 year to less than 03 years	From 3 years to less than 5 years	Over 05 years
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D4. Working department

Part	Card business	Customer Service – Transaction Counter	Standard spending/cardholder operations	Other
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Thank you very much sir/madam!