Descriptive statistics of the sample data
| Variable characteristics | Category | E-commerce financial platform (N = 356) | Online banking (N = 337) |
|---|---|---|---|
| Gender | Male | 159 (44.66%) | 155 (45.99%) |
| Female | 197 (55.34%) | 182 (54.01%) | |
| Age | Below 20 | 12 (3.37%) | 3 (0.89%) |
| 20–29 | 156 (43.82%) | 119 (35.31%) | |
| 30–39 | 132 (37.08%) | 105 (31.16%) | |
| 40–49 | 37 (10.39%) | 63 (18.69%) | |
| Over 50 | 19 (5.34%) | 47 (13.95%) | |
| Educational background | Senior high or below | 36 (10.11%) | 41 (12.17%) |
| Junior college | 72 (20.22%) | 58 (17.21%) | |
| Bachelor’s degree | 183(51.41%) | 215 (63.79) | |
| Master’s degree or above | 65 (18.26%) | 23 (6.83%) | |
| Monthly disposable income | Less than 2,000 | 34 (9.55%) | 18 (5.34%) |
| 2,001–3,000 | 79 (22.19%) | 52 (15.43%) | |
| 3,001–5,000 | 113 (31.74%) | 105 (31.16%) | |
| 5,001–7,000 | 71 (19.94%) | 103 (30.56%) | |
| 7,000 above | 59 (16.57%) | 79 (23.44%) | |
| Number of logins to the application (or website) of the financial platform in the last week | 2 or below | 36 (10.11%) | 51 (15.13%) |
| 3–4 times | 128 (35.95%) | 133 (39.47%) | |
| 5–6 times | 103 (28.94%) | 79 (23.44%) | |
| 7–8 times | 56 (15.73%) | 55 (16.32%) | |
| 9 or above | 33 (9.27%) | 19 (5.64%) | |
| Time spent on the application (or website) of the financial platform in the last week | Less than 10 minutes | 92 (25.84%) | 107 (31.76%) |
| 10–30 minutes | 123 (34.55%) | 151 (44.81%) | |
| 30–60 minutes | 85 (23.88%) | 63 (18.69%) | |
| 1–2 hours | 44 (12.36%) | 16 (4.75%) | |
| More than 2 hours | 12 (3.37%) | 0 (0%) | |
| Number of functions used on the application (or website) of the financial platform in the last week | 1–2 | 57 (16.01%) | 118 (35.01%) |
| 3–4 | 197 (45.05%) | 175 (51.93%) | |
| 5–6 | 83 (23.31%) | 41 (12.17%) | |
| 7–8 | 14 (3.93%) | 3 (0.89%) | |
| 9 or above | 5 (1.41%) | 0 (0%) |
| Variable characteristics | Category | E-commerce financial platform ( | Online banking ( |
|---|---|---|---|
| Gender | Male | 159 (44.66%) | 155 (45.99%) |
| Female | 197 (55.34%) | 182 (54.01%) | |
| Age | Below 20 | 12 (3.37%) | 3 (0.89%) |
| 20–29 | 156 (43.82%) | 119 (35.31%) | |
| 30–39 | 132 (37.08%) | 105 (31.16%) | |
| 40–49 | 37 (10.39%) | 63 (18.69%) | |
| Over 50 | 19 (5.34%) | 47 (13.95%) | |
| Educational background | Senior high or below | 36 (10.11%) | 41 (12.17%) |
| Junior college | 72 (20.22%) | 58 (17.21%) | |
| Bachelor’s degree | 183(51.41%) | 215 (63.79) | |
| Master’s degree or above | 65 (18.26%) | 23 (6.83%) | |
| Monthly disposable income | Less than 2,000 | 34 (9.55%) | 18 (5.34%) |
| 2,001–3,000 | 79 (22.19%) | 52 (15.43%) | |
| 3,001–5,000 | 113 (31.74%) | 105 (31.16%) | |
| 5,001–7,000 | 71 (19.94%) | 103 (30.56%) | |
| 7,000 above | 59 (16.57%) | 79 (23.44%) | |
| Number of logins to the application (or website) of the financial platform in the last week | 2 or below | 36 (10.11%) | 51 (15.13%) |
| 3–4 times | 128 (35.95%) | 133 (39.47%) | |
| 5–6 times | 103 (28.94%) | 79 (23.44%) | |
| 7–8 times | 56 (15.73%) | 55 (16.32%) | |
| 9 or above | 33 (9.27%) | 19 (5.64%) | |
| Time spent on the application (or website) of the financial platform in the last week | Less than 10 minutes | 92 (25.84%) | 107 (31.76%) |
| 10–30 minutes | 123 (34.55%) | 151 (44.81%) | |
| 30–60 minutes | 85 (23.88%) | 63 (18.69%) | |
| 1–2 hours | 44 (12.36%) | 16 (4.75%) | |
| More than 2 hours | 12 (3.37%) | 0 (0%) | |
| Number of functions used on the application (or website) of the financial platform in the last week | 1–2 | 57 (16.01%) | 118 (35.01%) |
| 3–4 | 197 (45.05%) | 175 (51.93%) | |
| 5–6 | 83 (23.31%) | 41 (12.17%) | |
| 7–8 | 14 (3.93%) | 3 (0.89%) | |
| 9 or above | 5 (1.41%) | 0 (0%) |
Source(s): Table by the authors