Table 4

Estimation results

Dependent variable: Fin inclusion
VariableCoefficientt-StatisticProb
C13.027382.3315440.0281**
atmst0.0126605.2726650.0000***
POSt0.0075270.4494520.6570
Web Payt−0.221445−2.1096060.0451**
Mob Payt0.0449503.6072370.0013***
incomet−0.006568−2.2984220.0302**
Edut0.1542572.0103670.0553**
Weighted statistics
R-squared0.61
Adjusted R-squared0.51
F-statistic6.412239
Prob (F-statistic)0.000346
Durbin–Watson stat1.8572
Weighted mean dep14.83788
Schwarz criterion8.784578

Note(s): ** and *** Indicates significance at 5% and 1%

Method: Weighted Stepwise regression

Source(s): Researchers

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