|
| n | Mean | S.D. | Welch |
| Level of education |
|
|
|
|
| High school | 131 | 4.178 | 0.439 | 0.653 |
| Vocational/intermediate school | 99 | 4.116 | 0.465 |
|
| University | 383 | 4.147 | 0.531 |
|
| Master/PhD | 141 | 4.101 | 0.463 |
|
| Incomes |
|
|
|
|
| Under 5 million | 193 | 4.125 | 0.475 | 1.688 |
| From 5 to less than 10 million VND | 193 | 4.187 | 0.474 |
|
| From 10 to less than 15 million VND | 159 | 4.145 | 0.413 |
|
| From 15 to under 20 million VND | 91 | 4.184 | 0.503 |
|
| Over 20 million | 118 | 4.048 | 0.631 |
|
| Age |
|
|
|
|
| Under 30 years old | 271 | 4.139 | 0.465 | 0.001 |
| From 31 to 45 years old | 321 | 4.140 | 0.522 |
|
| Over 45 years old | 162 | 4.141 | 0.491 |
|
| Number of current E-Banking providers |
|
| ||
| One | 531 | 4.162 | 0.625 | 0.003 |
| Two | 149 | 4.128 | 0.512 |
|
| Three and above | 74 | 4.13 | 0.641 |
|