|
| Male |
| Female |
| No. | Factors | No. | Factors |
| 1 | Secure E-banking | 1 | Customer Experience |
| 2 | Customer Experience | 2 | Third Party Influence |
| 3 | Promotion Strategy | 3 | E-banking |
| 4 | Intelligent Responsiveness | 4 | Access to ATMs |
| 5 | Access to ATMs |
|
|
| 6 | Third Party Influence |
|
|