Variable	Model 1		Model 2		Model 3		Model 4		Model 5		VIF
Variable	Beta	SE	Beta	SE	Beta	SE	Beta	SE	Beta	SE	VIF
Control Variables
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
Regulatory Requirements			1.243**	0.045	1.242	0.046	1.243	0.045	1.256	0.040	1.333
Environmental Factors					0.014*	0.045	0.010	0.044	−0.002	0.039	1.274
Operational Requirements							0.071*	0.045	0.085	0.040	1.315
Social-Economic Requirements									0.142*	0.041	1.407
F	1.550		101.470		90.262		85.990		101.676
F Change	1.550		755.824		0.093		2.507		11.781
R	0.495a		0.980b		0.980c		0.981d		0.986e
R Square	0.245		0.960		0.960		0.963		0.971
R Square Adjusted	0.087		0.951		0.950		0.951		0.962
R Square Change	0.245		0.715		0.000		0.002		0.009