| Factors | Statements | Perception (Average) | Difference | p-value | |
| Female | Male | ||||
| Tangibility | T1 | 3.03 | 4.13 | −1.1 | 0.000 |
| T2 | 4.19 | 4.17 | 0.02 | 0.137 | |
| T3 | 4.21 | 3.52 | 0.68 | 0.000 | |
| T4 | 3.79 | 3.87 | −0.08 | 0.000 | |
| T5 | 4.19 | 4.34 | −0.14 | 0.000 | |
| Reliability | R1 | 4.34 | 4.29 | 0.06 | 0.000 |
| R2 | 3.48 | 3.13 | 0.35 | 0.000 | |
| R3 | 3.46 | 3.47 | −0.01 | 0.84 | |
| R4 | 3.51 | 3.64 | −0.13 | 0.000 | |
| R5 | 4.1 | 4.27 | −0.16 | 0.000 | |
| Responsiveness | RP1 | 3.86 | 3.76 | 0.1 | 0.000 |
| RP2 | 3.95 | 4.02 | −0.07 | 0.000 | |
| RP3 | 3.83 | 3.79 | 0.05 | 0.001 | |
| RP4 | 3 | 2.7 | 0.3 | 0.000 | |
| RP5 | 3.42 | 3.64 | −0.22 | 0.000 | |
| Assurance | A1 | 3.82 | 3.4 | 0.42 | 0.000 |
| A2 | 3.61 | 3.36 | 0.25 | 0.000 | |
| A3 | 3.63 | 3.84 | −0.21 | 0.000 | |
| A4 | 3.8 | 3.62 | 0.19 | 0.000 | |
| A5 | 3.78 | 3.93 | −0.15 | 0.000 | |
| Empathy | E1 | 3.76 | 3.65 | 0.11 | 0.000 |
| E2 | 3.4 | 3.51 | −0.11 | 0.000 | |
| E3 | 3.86 | 3.83 | 0.04 | 0.01 | |
| E4 | 3.8 | 3.79 | 0.01 | 0.472 | |
| E5 | 4.02 | 4 | 0.02 | 0.089 | |