| Variable | Initial | Extraction | Variable | Initial | Extraction |
| Digital platforms | 1.00 | 0.65 | Pleasant bank atmosphere | 1.00 | 0.62 |
| Integration of mobile money services | 1.00 | 0.55 | Influence of parents | 1.00 | 0.63 |
| Convenience banking | 1.00 | 0.60 | The University uses the same bank | 1.00 | 0.67 |
| Security | 1.00 | 0.54 | Financial benefits | 1.00 | 0.55 |
| Service provision (Range of products on offer) | 1.00 | 0.59 | Availability of ATM on campus | 1.00 | 0.77 |
| Staff courtesy | 1.00 | 0.69 | Availability of 24 hours ATM service | 1.00 | 0.71 |
| Professionalism of bank staff | 1.00 | 0.64 |
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