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)