Table 5 Results for testing moderating...

Table 5

Results for testing moderating effects (organisation types)

	Private banks (n = 198)		Public banks (n = 120)
	Model 1	Model 2	Model 1	Model 2
Control variables
Gender	0.113	0.027	0.092	0.027
Age	−0.066	−0.036	−0.065	−0.032
Level of education	0.101	0.046	0.101	0.038
Profession	−0.061	−0.047	−0.061	−0.046
Social status	−0.057	0.078	−0.065	0.056
Culture	0.081	0.044	0.096	0.024
Independent variables
Security factor		0.103		0.101**
Infrastructure factor		0.078		0.098**
Technological knowledge factor		0.080		0.087**
Service factor		0.081**		0.089**
Price factor		0.087**		0.081
Time-saving factor		0.156**		0.200**
Payment factor		0.067*		0.078*
Administrative factor		0.960		0.103**
Psychological factor		0.091**		0.099**
Adjusted R²	0.045	0.501	0.015	0.499
F-value	1.481	19.367**	0.799	13.499**
Δ Adjusted R² (from Models 1 to 2)		0.456		0.484

	Private banks (n = 198)		Public banks (n = 120)
	Model 1	Model 2	Model 1	Model 2
Control variables
Gender	0.113	0.027	0.092	0.027
Age	−0.066	−0.036	−0.065	−0.032
Level of education	0.101	0.046	0.101	0.038
Profession	−0.061	−0.047	−0.061	−0.046
Social status	−0.057	0.078	−0.065	0.056
Culture	0.081	0.044	0.096	0.024
Independent variables
Security factor		0.103		0.101**
Infrastructure factor		0.078		0.098**
Technological knowledge factor		0.080		0.087**
Service factor		0.081**		0.089**
Price factor		0.087**		0.081
Time-saving factor		0.156**		0.200**
Payment factor		0.067*		0.078*
Administrative factor		0.960		0.103**
Psychological factor		0.091**		0.099**
Adjusted R²	0.045	0.501	0.015	0.499
F-value	1.481	19.367**	0.799	13.499**
Δ Adjusted R² (from Models 1 to 2)		0.456		0.484

Note(s): *p < 0.05; **p < 0.01

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