Phân tích các nhân tố ảnh hưởng quyết định sử dụng internet banking của khách hàng cá nhân tại Agribank chi nhánh Đồng Nai - 14



Scale Mean if Item Deleted

Scale Variance if Item

Deleted

Corrected Item-Total Correlation

Cronbach's Alpha if Item

Deleted

QD1

6.79

1.310

.409

.631

QD2

6.75

1.180

.479

.540

QD3

6.75

1.127

.511

.495

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Scale Statistics

Mean

Varianc e

Std.

Deviation

N of Items

10.15

2.314

1.521

3


Phụ lục 4: PHÂN TÍCH NHÂN TỐ KHÁM PHÁ

4.1 Phân tích nhân tố hám phá đối với các nhân tố độc lập


KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.764

Bartlett's Test of Sphericity

Approx. Chi-Square

1160.424

df

231

Sig.

.000


Total Variance Explained

Component

Initial Eigenvalues

Extraction Sums of Squared Loadings

Rotation Sums of Squared Loadings

Total

% of Variance

Cumula tive %

Total

% of Variance

Cumula tive %

Total

% of Variance

Cumul ative

%

1

5.019

22.815

22.815

5.019

22.815

22.815

3.187

14.488

14.488

2

2.426

11.029

33.844

2.426

11.029

33.844

2.915

13.249

27.737

3

2.185

9.933

43.777

2.185

9.933

43.777

2.450

11.138

38.875

4

1.827

8.304

52.081

1.827

8.304

52.081

2.374

10.791

49.666


5

1.438

6.535

58.616

1.438

6.535

58.616

1.969

8.950

58.616

6

.961

4.367

62.983

7

.887

4.034

67.016

8

.814

3.702

70.718

9

.736

3.344

74.062

10

.716

3.253

77.315

11

.685

3.114

80.429

12

.630

2.863

83.293

13

.590

2.681

85.974

14

.507

2.305

88.279

15

.477

2.170

90.448

16

.424

1.927

92.376

17

.375

1.703

94.078

18

.320

1.456

95.534

19

.310

1.408

96.942

20

.267

1.213

98.155

21

.239

1.087

99.242

22

.167

.758

100.000

Extraction Method: Principal Component Analysis.



Rotated Component Matrixa


Component

1

2

3

4

5

TT2

.874





TT3

.841


TT1

.826


TT4

.709


WT3


.799

WT4


.718

WT5


.705

WT1


.684


WT2


.646




TD1

.831



TD2

.685



TD4

.668



TD3

.652



RR4


.734


RR5


.691


RR1


.691


RR2


.666


RR3


.610


TL2



.801

TL4



.668

TL3



.621

TL1



.621

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

a. Rotation converged in 5 iterations.


Component Transformation Matrix

Component

1

2

3

4

5

1

.674

.521

.508

-.048

.112

2

.167

-.150

.068

.947

-.217

3

.252

-.759

.329

-.074

.497

4

-.341

.359

-.064

.308

.810

5

-.581

.022

.790

.005

-.194

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


4.2 Phân tích nhân tố hám phá đối với nhân tố phụ thuộc


KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling

Adequacy.

.643

Bartlett's Test of Sphericity

Approx. Chi-Square

62.449

df

3

Sig.

.000


Communalities


Initial

Extracti

on

QD1

1.000

.514

QD2

1.000

.612

QD3

1.000

.651

Extraction Method: Principal Component Analysis.


Total Variance Explained

Compone nt

Initial Eigenvalues

Extraction Sums of Squared

Loadings

Total

% of Variance

Cumulative

%

Total

% of Variance

Cumulative

%

1

1.777

59.219

59.219

1.777

59.219

59.219

2

.689

22.962

82.181

3

.535

17.819

100.000

Extraction Method: Principal Component Analysis.



Phụ lục 5: PHÂN TÍCH HỒI QUY TUYẾN TÍNH BỘI


TT

RR

TL

WT

TD

QD


Pearson Correlation


1


-.033


.144

.194*

.288**

.350**

TT

Sig. (2-tailed)


.690

.078

.017

.000

.000


N

150

150

150

150

150

150

5.1 Ma trận tương quan giữa biến phụ thuộc và các biến độc lập Correlations



RR

Pearson Correlation


-.033


1


-.024


-.003


.003

.185*

Sig. (2-tailed)

.690


.774

.975

.969

.024


N

150

150

150

150

150

150


TL

Pearson

Correlation

.144

-.024

1

.020

.242**

.280**

Sig. (2-tailed)

.078

.774


.809

.003

.001


N

150

150

150

150

150

150


WT

Pearson

Correlation

.194*

-.003

.020

1

.254**

.487**

Sig. (2-tailed)

.017

.975

.809


.002

.000


N

150

150

150

150

150

150


TD

Pearson

Correlation

.288**

.003

.242**

.254**

1

.444**

Sig. (2-tailed)

.000

.969

.003

.002


.000


N

150

150

150

150

150

150


Pearson

Correlation

.350**

.185*

.280**

.487**

.444**

1

QD

Sig. (2-tailed)

.000

.024

.001

.000

.000



N

150

150

150

150

150

150

*. Correlation is significant at the 0.05 level (2-tailed).

**. Correlation is significant at the 0.01 level (2-tailed).


5.2 Hồi quy tuyến tính


Variables Entered/Removeda

Mode

l

Variables

Entered

Variables

Removed

Method

1

TD, RR, TL,

WT, TTb

.

Enter

a. Dependent Variable: QD



b. All requested variables entered.


Model Summaryb

Mode

l

R

R Square

Adjusted R

Square

Std. Error of

the Estimate

Durbin-

Watson

1

.671a

.450

.431

.421

1.974

a. Predictors: (Constant), TD, RR, TL, WT, TT

b. Dependent Variable: QD


ANOVAa

Model

Sum of

Squares

df

Mean

Square

F

Sig.


Regression

20.879

5

4.176

23.586

.000b

1

Residual

25.494

144

.177


Total

46.373

149


a. Dependent Variable: QD

b. Predictors: (Constant), TD, RR, TL, WT, TT


Coefficientsa

Model

Unstandardized

Coefficients

Standardized

Coefficients

t

Sig.

Collinearity Statistics

B

Std. Error

Beta

Tolerance

VIF


(Constant

)

.314

.312


1.006

.316




TT

.151

.054

.183

2.805

.006

.894

1.119

1

RR

.165

.052

.195

3.160

.002

.998

1.002


TL

.132

.044

.191

2.979

.003

.932

1.073


WT

.293

.049

.385

5.969

.000

.917

1.091


TD

.170

.047

.246

3.640

.000

.834

1.199

a. Dependent Variable: QD


Collinearity Diagnosticsa

Mode l

Dimension

Eigenval ue

Condition Index

Variance Proportions


(Constant)

TT

RR

TL

WT

TD


1

5.816

1.000

.00

.00

.00

.00

.00

.00


2

.058

10.040

.00

.04

.03

.84

.06

.00

1

3

.049

10.922

.01

.50

.27

.00

.00

.06

4

.038

12.426

.00

.40

.07

.02

.08

.57


5

.030

13.888

.00

.01

.15

.05

.64

.35


6

.009

24.759

.99

.05

.48

.09

.21

.01

a. Dependent Variable: QD


Phụ lục 6 PHÂN TÍCH SỰ KHÁC BIỆT GIỮA CÁC NHÓM ẾN QUYẾT ỊNH SỬ DỤNG 1

Phụ lục 6: PHÂN TÍCH SỰ KHÁC BIỆT GIỮA CÁC NHÓM ẾN QUYẾT ỊNH SỬ DỤNG DỊCH VỤ IB


GT

N

Mean

Std.

Deviation

Std. Error

Mean

6.1 Giới tính Group Statistics


QD

1

84

3.40

.540

.059

2

66

3.42

.583

.072


Independent Samples Test


Levene's Test for Equality

of Variances

t-test for Equality of Means

F

Sig.

t

df

Sig. (2-

tailed)

Mean Differe nce

Std. Error Differe nce

95%

Confidence Interval of the Difference

Lower

Upper


Equal

variances assumed


.868


.353


-.212


148


.833


-.019


.092


-.201


.162

QD

Equal variances not

assumed


-.210


134.3

63


.834


-.019


.093


-.203


.164


6.2 ộ tuổi


Test of Homogeneity of Variances

QD

Levene Statistic

df1

df2

Sig.

1.816

3

146

.147


ANOVA

QD


Sum of Squares

df

Mean Square

F

Sig.

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