| Variables | Components | ||||
| 1 | 2 | 3 | 4 | ||
| V1 | Digital platforms | 0.77 |
|
|
|
| V2 | Integration of mobile money services | 0.72 |
|
|
|
| V3 | Convenience banking | 0.70 |
|
|
|
| V4 | Service provision (Range of products on offer) | 0.63 |
|
|
|
| V5 | Security | 0.62 |
|
|
|
| V6 | Staff courtesy |
| 0.79 |
|
|
| V7 | Professionalism of bank staff |
| 0.76 |
|
|
| V8 | Pleasant bank atmosphere |
| 0.74 |
|
|
| V9 | Availability of 24 hours ATM service |
|
| 0.81 |
|
| V10 | Availability of ATM on campus |
|
| 0.79 |
|
| V11 | Influence of parents |
|
|
| 0.78 |
| V12 | The university uses the same bank |
|
|
| 0.74 |
| V13 | Financial benefits |
|
|
| 0.51 |