Statement

SD

D

N

A

SA

Mean

SD

1) Online banking cash transfers enabled customers to access bank accounts online.

12

8

12

46

102

6.60%

4.40%

6.60%

25.50%

56.90%

4.211

1.169

2) Visa cards enabled access by

Customers to bank accounts online.

14

30

40

52

44

7.70%

16.60%

22.20%

28.80%

24.70%

3.455

1.239

3) Electronic cash transfers allowed

customers to receive and send money in minutes.

24

30

36

42

48

13%

16.6%

20.5%

23.3%

26.6%

3.333

1.892

4) Mobile banking allowed

customers to access cash in banks.

8

36

40

52

44

4.4%

20%

22.2%

28.8%

24.6%

3.488

1.206

5) Use of mobile phones allowed customers to send money.

25

26

20

47

62

13.8%

14.4%

11%

26.4%

34.4%

3.527

1.435

6) Mobile cash transfers allowed

customers to receive money.

12

20

20

60

68

6.6%

11%

11%

33.4%

38%

3.844

1.229

7) Visa cards enabled agent banks

to access increased market share.

26

28

52

54

20

14.4%

15.6%

28.9%

30%

11.1%

3.022

1.329

8) Online banking cash transfers

enabled agency banks access increased market share.

15

19

48

46

52

8.3%

10.6%

26.7%

25.5%

28.9%

3.56

1.286

9) Electronic cash transfers enabled agency banks capital efficiency.

26

40

43

52

19

14.4%

22%

23.8%

28.8%

11%

2.988

1.229

10) Use of mobile phones enabled

agency banks capital efficiency.

25

27

60

42

26

14%

15%

33.3%

23.3%

14.4%

3.07

1.227

Composite Mean and Standard Deviation

3.45

0.379