| Items | Mean | Level | Order |
| Payment System | 4.41 | High | 1st |
| Financial Consumer Protection | 4.4 | High | 2nd |
| Security Trust | 4.4 | High | 2nd |
| Cyber security | 4.37 | High | 4th |
| Creditworthiness measurement | 4.28 | High | 5th |
| Licensing | 4.23 | High | 6th |
| Complexity | 4.09 | High | 7th |
| Accessibility | 4.09 | High | 7th |
| Availability | 4.09 | High | 7th |
| Regulatory Framework | 4 | High | 10th |