Influential Factors

Dimensions

Emotional Loyalty

Imbalance

Normative

Loyalty

Imbalance

Ideal

Loyalty

Imbalance

Economic

Loyalty

Imbalance

Opportunity Loyalty

Imbalance

Industry

development prospects

No confidence

in the long−term development on banking industry

0.249**

0.417**

0.273**

−0.093

0.462**

0.386**

0.492**

0.451**

0.469**

0.435**

0.379**

0.016

0.288**

0.243**

0.233**

Market share

of credit card is occupied by

mobile payment business of third party payment

0.167**

0.240**

0.09

−0.08

0.191**

0.217**

0.382**

0.297**

0.372**

0.273**

0.198**

0.212**

0.423**

0.368**

0.235**

Impact brought by mobile

payment

0.163**

0.204**

0.088

−0.066

0.118

0.133

0.311**

0.254**

0.313**

0.189**

0.136

0.161**

0.370**

0.230**

0.134

Impact of

the virtual

credit card

0.200**

0.246**

0.096

−0.057

0.182**

0.219**

0.359**

0.327**

0.370**

0.241**

0.121

0.074

0.313**

0.275**

0.113