| Factor | Particulars | Rotated Factor Loadings |
| 1) Banking Activities (19.724 Percent) | Cards services & card transfer-Q2 | 0.718 |
| Fund transfer-Q3 | 0.546 | |
| Change of PIN, provisions-Q7 | 0.771 | |
| Mutual funds statement-Q9 | 0.630 | |
| 2) Banking Products (16.003 Percent) | Monitoring of term deposits-Q1 | 0.832 |
| Checking of accounts history and mini statement-Q5 | 0.470 | |
| Immediate payment service (IMPS)-Q8 | 0.709 | |
| 3) Other Services (14.670 Percent) | Cheque book request-Q6 | 0.801 |
| SMS alter about bank services and update new product-Q10 | 0.740 | |
| 4) Other Services (13.166 Percent) | Payments (mobile recharge, bills payments & tax payments)-Q4 | 0.813 |