| T-Statistic | P-value | Integrated order |
ROA | −3.95 | 0.003 | I(0) |
RTGS | −8.21 | <0.0001 | I(1) |
MOBILE | −10.31 | <0.0001 | I(1) |
POS | −9.23 | <0.0001 | I(1) |
INTERNET | −4.50 | 0.0006 | I(0) |
BSC | −7.03 | <0.0001 | I(1) |