Factors affecting the choice of online banking services of individual customers, research at commercial banks

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

PRACTICE	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 times

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

MULTI-GROUP STRUCTURE ANALYSIS

❖ Gender Female group

Regression Weights: (NHOM NU GIOI - Unconstrained)

Estimate	SE	CR	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	SE	CR	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

Men's Group

Regression Weights: (NHOM MEN GIOI - Unconstrained)

Estimate	SE	CR	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	SE	CR	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

CMIN

NFI

Delta-1

IFI

Delta-2

RFI

rho-1

TLI

rho2

Structural weights

82,380

.000

.010

.011

.002

❖ Age Group under 18 years old

Regression Weights: (age 18 - Unconstrained)

Estimate	SE	CR	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	SE	CR	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

Group from 18 to 30

Regression Weights: (from 18 to 30 - Unconstrained)

Estimate	SE	CR	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	SE	CR	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

Group 30 to 42

Regression Weights: (from 30 to 42 - Unconstrained)

Estimate	SE	CR	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	SE	CR	P	Label
LC2	<---	LC	.002	.091	.027	.978	a27_3
LC3	<---	LC	-.007	.268	-.027	.978	a28_3

Group over 42

Regression Weights: (over 42 - Unconstrained)

Estimate	SE	CR	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