| Variables | Components (factors) | ||||||
| 1 | 2 | 3 | 4 | 5 | 6 | ||
| V1 | Internet banking | 0.78 |
|
|
|
|
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| V2 | Digital platforms | 0.68 |
|
|
|
|
|
| V3 | Integration of mobile money services | 0.67 |
|
|
|
|
|
| V4 | Security | 0.63 |
|
|
|
|
|
| V5 | Staff courtesy |
| 0.74 |
|
|
|
|
| V6 | Professionalism of bank staff |
| 0.74 |
|
|
|
|
| V7 | Pleasant bank atmosphere |
| 0.73 |
|
|
|
|
| V8 | Promotion strategy |
|
| 0.73 |
|
|
|
| V9 | Service provision (range of products on offer) |
|
| 0.71 |
|
|
|
| V10 | Convenience banking |
|
| 0.70 |
|
|
|
| V11 | Convenient branch location |
|
|
| 0.80 |
|
|
| V12 | Appropriate range of service offered |
|
|
| 0.68 |
|
|
| V13 | Provision of fast and efficient service |
|
|
| 0.68 |
|
|
| V14 | Availability of 24 hours ATM service |
|
|
|
| 0.84 |
|
| V15 | Availability of ATM on campus |
|
|
|
| 0.81 |
|
| V16 | Influence of parents |
|
|
|
|
| 0.77 |
| V17 | The university uses the same bank |
|
|
|
|
| 0.77 |