Variable | Model 1 | Model 2 | Model 3 | Model 4 | Model 5 | VIF | |||||
Beta | SE | Beta | SE | Beta | SE | Beta | SE | Beta | SE | ||
Control Variables |
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Age | 0.606 | 0.337 | −0.001 | 0.081 | −0.001 | 0.082 | −0.035 | 0.083 | −0.022 | 0.074 | 7.025 |
Gender | 0.567 | 0.536 | 0.160* | 0.125 | 0.165 | 0.128 | 0.195 | 0.127 | 0.121 | 0.115 | 2.759 |
Highest Level of Education | −0.608 | 0.503 | 0.026 | 0.119 | 0.032 | 0.122 | 0.034 | 0.119 | 0.070 | 0.107 | 10.017 |
Job Position | 0.083 | 0.318 | −0.040 | 0.074 | −0.048 | 0.079 | −0.015 | 0.080 | −0.002 | 0.071 | 10.895 |
Work Experience | −0.055 | 0.392 | −0.022 | 0.091 | −0.015 | 0.095 | −0.018 | 0.093 | −0.058 | 0.083 | 10.721 |
Type of Financial Institution | −0.417 | 0.241 | 0.037 | 0.058 | 0.034 | 0.060 | 0.045 | 0.059 | 0.062 | 0.052 | 1.423 |
Department | −0.037 | 0.158 | −0.020 | 0.037 | −0.019 | 0.037 | −0.003 | 0.038 | 0.038 | 0.036 | 1.523 |
Location of Institution | −0.714 | 0.665 | −0.304 | 0.155 | −0.303 | 0.157 | −0.328 | 0.155 | −0.220 | 0.141 | 4.105 |
Employment Status | −0.013 | 0.337 | −0.088 | 0.078 | −0.090 | 0.080 | −0.089 | 0.078 | −0.027 | 0.072 | 1.426 |
Independent Variables |
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Regulatory Requirements |
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| 1.243** | 0.045 | 1.242 | 0.046 | 1.243 | 0.045 | 1.256 | 0.040 | 1.333 |
Environmental Factors |
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| 0.014* | 0.045 | 0.010 | 0.044 | −0.002 | 0.039 | 1.274 |
Operational Requirements |
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| 0.071* | 0.045 | 0.085 | 0.040 | 1.315 |
Social-Economic Requirements |
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| 0.142* | 0.041 | 1.407 |
F | 1.550 | 101.470 | 90.262 | 85.990 | 101.676 |
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F Change | 1.550 | 755.824 | 0.093 | 2.507 | 11.781 |
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R | 0.495a | 0.980b | 0.980c | 0.981d | 0.986e |
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R Square | 0.245 | 0.960 | 0.960 | 0.963 | 0.971 |
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R Square Adjusted | 0.087 | 0.951 | 0.950 | 0.951 | 0.962 |
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R Square Change | 0.245 | 0.715 | 0.000 | 0.002 | 0.009 |
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