KT4
Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization.
a. Rotation converged in 5 iterations.
3.2.Dependent variable
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy. | .799 | |
Bartlett's Test of Sphericity” | Approx. Chi-Square | 309,899 |
df ” | 6 | |
Sig. | .000 | |
Maybe you are interested!
-
Factors affecting customers' intention to use e-banking services in Ho Chi Minh City - 17 -
Research on factors affecting the decision to purchase gypsum board of Huy An private trading enterprise from institutional customers in Ho Chi Minh City - 13 -
Factors affecting the debt repayment ability of corporate customers at Vietnam Joint Stock Commercial Bank for Investment and Development - Long An Branch - 1 -
Some Factors Affecting the Quality of Short-Term Loan Services for Business Customers of Commercial Banks -
Building a Scale and Research Model of Factors Affecting Customers' Decision to Choose a Bank to Deposit Savings at
Total Variance Explained
Component
Initial Eigenvalues | Extraction Sums of Squared Loadings | |||||
Total | % of Variance | Cumulative % | Total | % of Variance | cumulative % | |
1 | 2,546 | 63,643 | 63,643 | 2,546 | 63,643 | 63,643 |
2 | .547 | 13,679 | 77,322 | |||
3 | .488 | 12,192 | 89,513 | |||
4 | .419 | 10,487 | 100,000 | |||
Extraction Method: Principal Component Analysis.
Component Matrix a
Component | |
1 | |
CN1 | .829 |
CN4 | .799 |
CN3 | .788 |
.774 | |
Extraction Method: Principal Component Analysis. | |
a. 1 components extracted | |
CN2
4. Correlation
Correlations
TL | TT | KT | BM | RR | CN | ||
TL | Pearson Correlation | 1 | .215 ** | .271 ** | .351 ** | -.323 ** | .508 ** |
Sig. (2-tailed) | .001 | .000 | .000 | .000 | .000 | ||
N | 250 | 250 | 250 | 250 | 250 | 250 | |
TT | Pearson Correlation | .215 ** | 1 | .148 * | .268 ** | -.352 ** | .451 ** |
Sig. (2-tailed) | .001 | .019 | .000 | .000 | .000 | ||
N | 250 | 250 | 250 | 250 | 250 | 250 | |
KT | Pearson Correlation | .271 ** | .148 * | 1 | .298 ** | -.435 ** | .441 ** |
Sig. (2-tailed) | .000 | .019 | .000 | .000 | .000 | ||
N | 250 | 250 | 250 | 250 | 250 | 250 | |
BM | Pearson Correlation | .351 ** | .268 ** | .298 ** | 1 | -.372 ** | .481 ** |
Sig. (2-tailed) | .000 | .000 | .000 | .000 | .000 | ||
N | 250 | 250 | 250 | 250 | 250 | 250 | |
RR | Pearson Correlation | -.323 ** | -.352 ** | -.435 ** | -.372 ** | 1 | -.586 ** |
Sig. (2-tailed) | .000 | .000 | .000 | .000 | .000 | ||
N | 250 | 250 | 250 | 250 | 250 | 250 | |
CN | Pearson Correlation | .508 ** | .451 ** | .441 ** | .481 ** | -.586 ** | 1 |
Sig. (2-tailed) | .000 | .000 | .000 | .000 | .000 | ||
N | 250 | 250 | 250 | 250 | 250 | 250 |
**. Correlation is significant at the 0.01 level (2-tailed).
*. Correlation is significant at the 0.05 level (2-tailed).
5. Regression
Model Summary b
Model
R ” | R Square | Adjusted R Square | Std. Error of the Estimate | Change Statistics | Durbin-Watson | |||||
R Square Change | F Change | df1 | df2 | Sig. F Change | ||||||
1 | .746a | .557 | .547 | .66740 | .557 | 61,245 | 5 | 244 | .000 | 1,872 |
a. Predictors: (Constant), RR, TL, TT, KT, BM
b. Dependent Variable: CN
ANOVA a
Model
Sum of Squares | df | Mean Square | F | Sig. | ||
1 | Regression | 136,402 | 5 | 27,280 | 61,245 | .000 b |
Residual | 108,684 | 244 | .445 | |||
Total | 245,086 | 249 |
a. Dependent Variable: CN
b. Predictors: (Constant), RR, TL, TT, KT, BM
Coefficients a
Model
Unstandardized Coefficients | Standardized Coefficients | t | Sig. | Collinearity Statistics | ||||
B | Std. Error | Beta | Tolerance | VIF | ||||
1 | (Constant) | 1,565 | .330 | .262 | 4,746 | .000 | .817 | 1,224 |
TL | .227 | .041 | 5.558 | .000 | ||||
TT | .207 | .043 | .222 | 4,802 | .000 | .848 | 1,179 | |
KT | .138 | .042 | .159 | 3,297 | .001 | .777 | 1,286 | |
BM | .169 | .047 | .174 | 3,597 | .000 | .774 | 1,292 | |
RR | -.251 | .045 | -.289 | -5.572 | .000 | .676 | 1,479 | |
a. Dependent Variable: CN
Frequency
Histogram Dependent Variable: CN
Regression Standardized Residual
2-
O
'O O
'O
O
0
'O
Og D
0-
q
0
O
-2-
0
Reg tess1•u Stan6 ark1ze6 Res16nat
Scatterplot Dependent Variable: CN
-3 -2 -1 0 1 2
Regression Standardized Predicted Value
APPENDIX 02
COMPONENTS OF THE SCALE OF FACTORS AFFECTING THE ACCEPTANCE OF USING E-BANKING SERVICES IN THIS STUDY
Element
Describe | Source | |
Information on Online Banking | - Registration and use of the provided services are simple, fast and accurate. - There are incentive programs for customers when trading. - The bank has fulfilled its service commitments to customers. - The bank has many marketing and promotional activities. | Maitlo GM (2014) and associates , S.Arunkuma r (2008), William J. Rothwell et al. (2010) |
Channel Convenience | - I saved time and money. - I think using it increases work efficiency. - I find the service useful and convenient. - I use the bank's services to make transactions easily and quickly. - The bank's services help me proactively manage my personal finances and access information. | Maitlo GM(2014) and Associates, Seif Obeid AL-SHBIEL and Muhannad Akram AHMAD (2016), |
Prior Internet Knowledge | - Easy to learn how to use - Transaction operations are very simple and easy to perform. - Can easily use the EB system proficiently - Feel the EB trading system is flexible - Using EB helps to make transactions according to needs easily | Maitlo GM (2014) and associates, S. Arunkumar (2008), |
Security Perception
- I feel safer using it - I have complete control over the usage process. - EB service ensures the confidentiality of my transaction information. - I find the transaction secure and safe. | Maitlo GM (2014) and Associate, Akram AHMAD (2016) | |
Perceived Risk | - Using EB may not guarantee privacy - Transactions on the EB system may not be secure. - There is a possibility of fraud and loss of money when using EB. - I feel unsafe using EB | Maitlo GM(2014) et al., S.Arunkuma r (2008), Akinci et al. (2004) |
APPENDIX 03
SURVEY FORM
Hello!
Currently, I am conducting a research project on “Factors affecting the acceptance of E-Banking (EB) services by individual customers at Abbank – Dong Nai Branch”. We hope that you will take a little time to give us your opinions on some of the information below. We would like to assure you that the information you provide below is completely confidential and is only for scientific research purposes.
Please indicate your level of agreement with the following statements.
on a scale of 1 to 5, with the following convention:
1: STRONGLY DISAGREE to 5: STRONGLY AGREE
(Please mark (X) only)Give an appropriate number for each statement.
PART I. SURVEY OF FACTORS
STT
Stated | Level of agreement | |||||
TL Channel Convenience | ||||||
TL1 | I saved time and money (including: travel costs, opportunity costs, transaction costs, etc.) when using ABBANK EB compared to counter transactions. | 1 | 2 | 3 | 4 | 5 |
TL2 | I think using ABBANK EB increases work efficiency. | 1 | 2 | 3 | 4 | 5 |
TL3 | I find ABBANK EB service very useful and convenient. | 1 | 2 | 3 | 4 | 5 |
TL4 | I use ABBANK EB service of the bank to make transactions easier and faster than transactions at the counter (such as: money transfer, savings deposit ...) | 1 | 2 | 3 | 4 | 5 |
TL5 | ABBANK EB helps me proactively manage personal finances and access information. | 1 | 2 | 3 | 4 | 5 |
Information on Online Banking | ||||||
TT1 | Registering and using ABBANK EB services is simple, fast and accurate. | 1 | 2 | 3 | 4 | 5 |
TT2 | The bank has many products to choose from. | 1 | 2 | 3 | 4 | 5 |
TT3 | There are incentive programs for customers when transacting with ABBANK EB (plus interest when saving online, lucky draw,...) | 1 | 2 | 3 | 4 | 5 |
Stated | Level of agreement | |||||
TT4 | ABBank has fulfilled its EB service commitments to customers. | 1 | 2 | 3 | 4 | 5 |
TT5 | The bank has many marketing activities, promoting ABBANK EB to customers. | 1 | 2 | 3 | 4 | 5 |
KT Internet Knowledge | ||||||
KT1 | Easy to learn how to use ABBANK EB | 1 | 2 | 3 | 4 | 5 |
KT2 | Transaction operations (transfer, query,...) on ABBANK EB are very simple and easy to perform. | 1 | 2 | 3 | 4 | 5 |
KT3 | Can easily use ABBANK EB system proficiently | 1 | 2 | 3 | 4 | 5 |
KT4 | Feel ABBANK EB transaction system is flexible | 1 | 2 | 3 | 4 | 5 |
KT5 | Using ABBANK EB helps to make transactions according to needs easily. | 1 | 2 | 3 | 4 | 5 |
BM Security Perception | ||||||
BM1 | I feel safer using ABBANK EB than other forms of banking. | 1 | 2 | 3 | 4 | 5 |
BM2 | I can completely control the process of using ABBANK EB | 1 | 2 | 3 | 4 | 5 |
BM3 | ABBANK EB service ensures the confidentiality of my transaction information. | 1 | 2 | 3 | 4 | 5 |
BM4 | I find transactions through ABBANK EB highly secure and safe. | 1 | 2 | 3 | 4 | 5 |
BM5 | Banking devices on the E-Banking website always keep customer data secure. | 1 | 2 | 3 | 4 | 5 |
RR Perceived Risk | ||||||
RR1 | Using ABBANK EB may not guarantee privacy | 1 | 2 | 3 | 4 | 5 |
RR2 | Transactions on ABBANK EB system may not be secure. | 1 | 2 | 3 | 4 | 5 |
RR3 | There is a possibility of fraud and loss of money when using ABBANK EB. | 1 | 2 | 3 | 4 | 5 |
RR4 | I feel unsafe using ABBANK EB | 1 | 2 | 3 | 4 | 5 |
CN Accepts use of ABBANK EB | ||||||
CN1 | I will continue to use ABBANK EB Bank's services in the future. | 1 | 2 | 3 | 4 | 5 |
CN2 | I will use ABBANK EB service more often to the extent possible. | 1 | 2 | 3 | 4 | 5 |