| Variable | Components (factors) | ||||
| 1 | 2 | 3 | 4 | ||
| V1 | Professionalism of bank staff | 0.78 |
|
|
|
| V2 | Pleasant bank atmosphere | 0.72 |
|
|
|
| V3 | Reputation of the bank | 0.72 |
|
|
|
| V4 | Staff courtesy | 0.71 |
|
|
|
| V5 | Appropriate range of service offered | 0.64 |
|
|
|
| V6 | The university uses the same bank |
| 0.76 |
|
|
| V7 | Financial benefits |
| 0.69 |
|
|
| V8 | Service provision (range of products on offer) |
| 0.65 |
|
|
| V9 | Proximity to the university |
| 0.65 |
|
|
| V10 | Integration of mobile money services |
|
| 0.81 |
|
| V11 | Mobile banking facilities |
|
| 0.78 |
|
| V12 | Convenience banking |
|
| 0.62 |
|
| V13 | Availability of ATM on campus |
|
|
| 0.81 |
| V14 | Availability of 24 hours ATM service |
|
|
| 0.80 |