Developing card services at Asia Commercial Joint Stock Bank - 8


 

CN4

9.5556

6.602

,493

,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

4

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

4

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

5

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

3

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

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

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

REMOVE

Std. Error

Beta

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 1

Ex 9eeted Cu m P r•b Normal PP Plot of Regression Standardized Residual Dependent Variable: PTDVT 2

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  )

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

Encode

1  _

0  _

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

Encode

1  _

0  _

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

Encode

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

Encode

1  _

2  _

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

Encode

1  _

2  _

3  _

4  _

D4. Working department

Part

Card business

Customer Service – Transaction Counter

Standard spending/cardholder operations

Other

Encode

1  _

2  _

3  _

4  _

Thank you very much sir/madam!

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Date published: 10/04/2022
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