Exploratory factor analysis
| Item Code | Code after EFA | Dimensions | Statements | EFA | Mean ± S.D. |
|---|---|---|---|---|---|
| iGT5 | SPR5 | Dimension 1 (Security, Privacy & Risk) | Payment gateway ensures the safety of my online transactions | 0.836 | 3.8744 ± 0.82738 |
| iGT9 | SPR9 | Strong technologies are implemented in Fin-Tech services I use to defend against cyber attacks | 0.824 | 3.7758 ± 0.86011 | |
| iGT8 | SPR8 | Online financial tools I access has adequate measures to protect my data from hackers/fraudsters | 0.824 | 3.6996 ± 0.90110 | |
| iGT7 | SPR7 | I am confident that Fin-Tech services follow legal requirements to protect my data privacy | 0.814 | 3.7982 ± 0.87852 | |
| iGT2 | SPR2 | Security related information given by Fin-Tech Services makes me feel safe | 0.810 | 3.7265 ± 0.83233 | |
| iGT1 | SPR1 | I believe that Fin-Tech services give me a high level of safety for my personal and financial data | 0.805 | 3.8117 ± 0.87384 | |
| iGT3 | SPR3 | Granting access before making a transaction makes me feel secured | 0.763 | 3.9058 ± 0.85549 | |
| iGT6 | SPR6 | I am satisfied with how Fin-Tech services handle the confidentiality of my data | 0.752 | 3.7175 ± 0.82932 | |
| iGT4 | SPR4 | Advanced biometric security features, such as fingerprint or facial recognition, offer strong protection for my data | 0.696 | 3.8565 ± 0.90740 | |
| iGT14 | SI2 | Dimension 2 (Social Influence) | I depend on family member’s experience while choosing Fin-Tech services | 0.765 | 3.8520 ± 0.72819 |
| iGT13 | SI1 | Recommendations from my peer group greatly influence me in choosing specific Fin-Tech services | 0.761 | 3.8341 ± 0.76647 | |
| iGT15 | SI3 | I consider opinions of my community regarding Fin-Tech services | 0.734 | 3.7354 ± 0.88227 | |
| iGT18 | AC3 | Dimension 3 (Awareness Campaign) | Awareness on information security helps me to safeguard my personal information while using Fin-Tech | 0.813 | 3.8789 ± 0.74530 |
| iGT16 | AC1 | Educational programmes on Fin-Tech usage will increase my knowledge and trust | 0.791 | 3.9283 ± 0.73046 | |
| iGT17 | AC2 | Awareness on cyber security, educated me to be more alert from spammers and fraudsters | 0.767 | 3.9417 ± 0.76466 | |
| iGT19 | AC4 | Awareness on privacy concerns has increased my understanding on privacy protection | 0.687 | 3.8655 ± 0.75794 | |
| iGT23 | CS4 | Dimension 4 (Customer Support) | My issues and concerns are addressed very carefully and solved at a quick time by customer support | 0.784 | 3.7892 ± 0.72503 |
| iGT21 | CS2 | Customer support helps in customizing my requirements and preferences in Fin-Tech services | 0.760 | 3.8341 ± 0.78385 | |
| iGT20 | CS1 | Customer support team of Fin-Tech gives regular service quality in its offering | 0.737 | 3.7175 ± 0.82932 | |
| iGT22 | CS3 | Feedback collected is well used by the customer support in improving their services | 0.673 | 3.7265 ± 0.72880 | |
| iGT26 | UE3 | Dimension 5 (User Experience) | I believe that Fin-Tech services are essential for keeping up with the digital age | 0.780 | 3.7534 ± 0.71988 |
| iGT27 | UE4 | Current data provided by Fin-Tech services helps me to make good financial decisions | 0.729 | 3.7534 ± 0.76228 | |
| iGT25 | UE2 | I am satisfied with the speed at which my transactions are completed using Fin-Tech services | 0.729 | 3.8700 ± 0.73161 | |
| iGT24 | UE1 | I feel that Fin-Tech services are convenient for my day-to-day financial transactions | 0.712 | 3.7668 ± 0.80925 | |
| iGT29 | TR2 | Dimension 6 (Financial Transparency) | Fin-Tech services give a clarity on how fees | 0.768 | 3.9776 ± 0.76067 |
| iGT30 | TR3 | Details of Interest rates are provided clearly by Fin-Tech services | 0.699 | 3.8565 ± 0.72601 | |
| iGT31 | TR4 | Terms and conditions given by Fin-Tech services are easily understandable | 0.623 | 3.8206 ± 0.77220 | |
| iGT28 | TR1 | I feel that Fin-Tech services provide greater clarity in financial transactions | 0.553 | 3.7623 ± 0.81071 | |
| iGT35 | AT4 | Dimension 7 (Attitude) | I prefer using Fin-Tech services over traditional banking modes | 0.804 | 3.8117 ± 0.82086 |
| iGT33 | AT2 | I have a positive attitude to use Fin-Tech services | 0.795 | 3.8341 ± 0.76059 | |
| iGT32 | AT1 | I am willing to rely on Fin-Tech services for important financial decisions | 0.750 | 3.7444 ± 0.83264 | |
| iGT34 | AT3 | Technological innovation positively impacts my willingness to use Fin-Tech services | 0.749 | 3.8206 ± 0.77220 |
| Item | Code after EFA | Dimensions | Statements | EFA | Mean ± S.D. |
|---|---|---|---|---|---|
| iGT5 | SPR5 | Dimension 1 (Security, Privacy & Risk) | Payment gateway ensures the safety of my online transactions | 0.836 | 3.8744 ± 0.82738 |
| iGT9 | SPR9 | Strong technologies are implemented in Fin-Tech services I use to defend against cyber attacks | 0.824 | 3.7758 ± 0.86011 | |
| iGT8 | SPR8 | Online financial tools I access has adequate measures to protect my data from hackers/fraudsters | 0.824 | 3.6996 ± 0.90110 | |
| iGT7 | SPR7 | I am confident that Fin-Tech services follow legal requirements to protect my data privacy | 0.814 | 3.7982 ± 0.87852 | |
| iGT2 | SPR2 | Security related information given by Fin-Tech Services makes me feel safe | 0.810 | 3.7265 ± 0.83233 | |
| iGT1 | SPR1 | I believe that Fin-Tech services give me a high level of safety for my personal and financial data | 0.805 | 3.8117 ± 0.87384 | |
| iGT3 | SPR3 | Granting access before making a transaction makes me feel secured | 0.763 | 3.9058 ± 0.85549 | |
| iGT6 | SPR6 | I am satisfied with how Fin-Tech services handle the confidentiality of my data | 0.752 | 3.7175 ± 0.82932 | |
| iGT4 | SPR4 | Advanced biometric security features, such as fingerprint or facial recognition, offer strong protection for my data | 0.696 | 3.8565 ± 0.90740 | |
| iGT14 | SI2 | Dimension 2 (Social Influence) | I depend on family member’s experience while choosing Fin-Tech services | 0.765 | 3.8520 ± 0.72819 |
| iGT13 | SI1 | Recommendations from my peer group greatly influence me in choosing specific Fin-Tech services | 0.761 | 3.8341 ± 0.76647 | |
| iGT15 | SI3 | I consider opinions of my community regarding Fin-Tech services | 0.734 | 3.7354 ± 0.88227 | |
| iGT18 | AC3 | Dimension 3 (Awareness Campaign) | Awareness on information security helps me to safeguard my personal information while using Fin-Tech | 0.813 | 3.8789 ± 0.74530 |
| iGT16 | AC1 | Educational programmes on Fin-Tech usage will increase my knowledge and trust | 0.791 | 3.9283 ± 0.73046 | |
| iGT17 | AC2 | Awareness on cyber security, educated me to be more alert from spammers and fraudsters | 0.767 | 3.9417 ± 0.76466 | |
| iGT19 | AC4 | Awareness on privacy concerns has increased my understanding on privacy protection | 0.687 | 3.8655 ± 0.75794 | |
| iGT23 | CS4 | Dimension 4 (Customer Support) | My issues and concerns are addressed very carefully and solved at a quick time by customer support | 0.784 | 3.7892 ± 0.72503 |
| iGT21 | CS2 | Customer support helps in customizing my requirements and preferences in Fin-Tech services | 0.760 | 3.8341 ± 0.78385 | |
| iGT20 | CS1 | Customer support team of Fin-Tech gives regular service quality in its offering | 0.737 | 3.7175 ± 0.82932 | |
| iGT22 | CS3 | Feedback collected is well used by the customer support in improving their services | 0.673 | 3.7265 ± 0.72880 | |
| iGT26 | UE3 | Dimension 5 (User Experience) | I believe that Fin-Tech services are essential for keeping up with the digital age | 0.780 | 3.7534 ± 0.71988 |
| iGT27 | UE4 | Current data provided by Fin-Tech services helps me to make good financial decisions | 0.729 | 3.7534 ± 0.76228 | |
| iGT25 | UE2 | I am satisfied with the speed at which my transactions are completed using Fin-Tech services | 0.729 | 3.8700 ± 0.73161 | |
| iGT24 | UE1 | I feel that Fin-Tech services are convenient for my day-to-day financial transactions | 0.712 | 3.7668 ± 0.80925 | |
| iGT29 | TR2 | Dimension 6 (Financial Transparency) | Fin-Tech services give a clarity on how fees | 0.768 | 3.9776 ± 0.76067 |
| iGT30 | TR3 | Details of Interest rates are provided clearly by Fin-Tech services | 0.699 | 3.8565 ± 0.72601 | |
| iGT31 | TR4 | Terms and conditions given by Fin-Tech services are easily understandable | 0.623 | 3.8206 ± 0.77220 | |
| iGT28 | TR1 | I feel that Fin-Tech services provide greater clarity in financial transactions | 0.553 | 3.7623 ± 0.81071 | |
| iGT35 | AT4 | Dimension 7 (Attitude) | I prefer using Fin-Tech services over traditional banking modes | 0.804 | 3.8117 ± 0.82086 |
| iGT33 | AT2 | I have a positive attitude to use Fin-Tech services | 0.795 | 3.8341 ± 0.76059 | |
| iGT32 | AT1 | I am willing to rely on Fin-Tech services for important financial decisions | 0.750 | 3.7444 ± 0.83264 | |
| iGT34 | AT3 | Technological innovation positively impacts my willingness to use Fin-Tech services | 0.749 | 3.8206 ± 0.77220 |