/ . . . 7 5 . . . , . .................................................. : . ADOPTION OF INTERNET BANKING: AN EMPIRICAL STUDY IN SAUDI ARABIA/ Dubai The purpose of this study is to identify factors that are significant in explaining intention to adopt internet banking. Your responses are important in helping us understand banking customer's acceptance of the technology. It will take 5-7 minutes to complete this questionnaire. You will be asked to response to statements related to beliefs associated with Internet banking, intention to use (or to continue using) Internet banking, Internet experience and a little bit about yourself .Your answer to the questionnaire are confidential ,and no individual answers can be identified to you. Your participation in this study is completely voluntary. However, your input will be great deal of help to us. In case you would like to receive the results of this study, kindly provide your email address here: ............................................ Thank you in advance for participating in this study. Page 1 of 4 " :( 1) " " :( 5) " Number (1) means: \"Strongly Disagree\" Number (5) means: \"Strongly Agree\" Please circle your choice of answer Strongly Disagree Strongly Agree Agree Perceived Ease of Use 1 2 3 4 Using the Internet Banking service is easy for me I find my interaction with the use of the Internet Banking services clear and understandable It is easy for me to become skillful at the use of the Internet Banking services Overall, I find the use of the Internet Banking services easy 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 5 6 7 8 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 9 10 1 2 3 4 , 5 6 7 8 Perceived Web Security I would feel secure sending sensitive information across the Internet Banking The Internet Banking is a secure means through which to send sensitive information , Perceived Usefulness Using the Internet Banking would enable me to accomplish my tasks more quickly Using the Internet Banking would make it easier for me to carry out my tasks I would find the Internet Banking useful Overall, I would find using the Internet Banking to be advantageous 1 2 3 4 5 1 2 3 4 5 11 I would feel totally safe providing sensitive information about myself over the Internet Banking 1 2 3 4 5 12 Overall, the Internet Banking is a safe place to transmit sensitive information 1 2 3 4 5 , 9 10 11 12 Attitude 13 Using Internet Banking is a good idea 1 2 3 4 5 14 I would feel that using Internet Banking is pleasant 1 2 3 4 5 15 In my opinion, it would be desirable to use Internet Banking 1 2 3 4 5 16 In my view, using Internet Banking is a wise idea 1 2 3 4 5 Page 2 of 4 , , 13 14 15 16 Intention to Use I would use the Internet Banking for my banking needs Using the Internet Banking for handling my banking transactions is something I would do 17 18 I would see myself using the Internet Banking for handling my banking transactions 19 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 I use INTERNET BANKING frequently I encounter problem frequently in using INTERNET BANKING I use INTERNET BANKING service frequently as source of information I use INTERNET BANKING from more than one bank frequently Besides INTERNET BANKING, I use frequently other banking channels (ATM, branch teller, phone banking...) Strongly Disagree 7 Strongly Agree Agree 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Please circle (or Bold) your choice of answer 6 17 18 19 " :( 1) " " :( 5) " Number (1) means: \"Strongly Disagree\" Number (5) means: \"Strongly Agree\" Please circle your choice of answer Using banking services for: (You can choose more than one) Enquiry Deposit Loan Equity Investment funds Share trading Sex: Male Female , ( , , : ..) 1 2 3 4 5 ( ) :( ) : : Page 3 of 4 6 12 8 8 : 18 30 19 45 31 60 46 60 What is your class standing? Less than High School High School Diploma Bachelor Degree Higher Education Age group: Less than 18 Between 19-30 Between 31-45 Between 46-60 More than 60 11 12 I have access to the Internet: Yes No If Yes, I access the internet: At home At work Months using INTERNET BANKING : Less than 3 Month Between 3-6 Month Between 6-12 Months More than 1 year Which Bank do you currently use for Internet Banking: (You can choose more than one bank) 1. 2. 3. 4. 8 ) ) General questions (Please circle your choice of answer) 10 8 : : , : 3 6 3 6 : :) 1 2 3 4 Page 4 of 4 10 11 12 $FL2@(#) IBM SPSS STATISTICS MS Windows 22.0.0.0 ####)####################Y@19 Nov 1615:32:43 ###########################X1 6###x1. using the interner banking services is easy for me ########################X2 `###x2. I find my interaction with the use of the internet banking services clear and understandable########################X3 T###x3. it is easy for me to become skillful at the use of the internet banking services########################X4 A###x4. overall, I find the use of the internet banking services easy ########################X5 R###x5. using the internet banking would enable me to accomplish my tasks more quickly ########################X6 P###x6. using the internet banking would make it easier for me to carry out my tasks########################X7 ,###x7.I would find the internet banking useful ########################X8 G###x8. overall, I would find using the internet banking to be advantageous ########################X9 Q###x9. I would feel secure sending sensitive information across the internet banking ########################X10 W###x10. The Internet Banking is a secure means through which to send sensitive information ########################X11 e###x11. I would feel totally safe providing sensitive information about myself over the Internet Banking ########################X12 T###x12. Overall, the Internet Banking is a safe place to transmit sensitive information########################X13 *###x13. Using Internet Banking is a good idea ########################X14 9###x14. I would feel that using Internet Banking is pleasant ########################X15 A###x15. In my opinion, it would be desirable to use Internet Banking ########################X16 6###x16. In my view, using Internet Banking is a wise idea ########################X17 9###x17.I would use the Internet Banking for my banking needs ########################X18 \\###x18. Using the Internet Banking for handling my banking transactions is something I would do########################X19 W###x19. I would see myself using the Internet Banking for handling my banking transactions ########################X20 &###x20. I use INTERNET BANKING frequently ########################X21 =###x21. I encounter problem frequently in using INTERNET BANKING ########################X22 G###x22. I use INTERNET BANKING service frequently as source of information ########################X23 >###x23. I use INTERNET BANKING from more than one bank frequently ########################X24 m###x24. Besides INTERNET BANKING, I use frequently other banking channels (ATM, branch teller, phone banking...) ########################X25 H###x25. Using banking services for: (You can choose more than one) enquiry########################X25A ###x25a. Deposit ########################X25B ###x25b. Loan ########################X25C ###x25c. Equity########################X25D ####x25d. investment funds ########################X25E ####x25e. share trading ########################X26 ####x26. sex########################X27A ! ###x27. What is your class standing? ########################X28 ####x28. Age group: ########################X29A %###x29a. I have access to the Internet: ########################X29B $###x29b. If Yes, I access the internet:########################X30 %###x30. Months using INTERNET BANKING : ########################EAU ########################USFUELN ########################SECURE ########################ATTITUD ########################INTENT ##############?#strongly disagree #######@#disagree #######@#Natural#######@#agree #######@#strongly agree ##########################?#strongly disagree #######@#disagree #######@#neutral#######@#agree #######@#strongly agree ##############################?#strongly disagree #######@#disagree #######@#neutral#######@#agree #######@#strongly agree ############################ ### ####### ################################################################? #ENQUIRY##########################?#DEPOSIT##########################?#LOAN ##########################?#EQUITY ##########################? INVESTMENT ##########################?SHARE TRADING ##########################?#MALE #######@#FEMALE ##########################? #LESS THEN HIGH SCHOOL #######@#HIGH SCHOOL #######@#DIPLOMA#######@#BACHELOR DEGREE#######@#HIGHER EDUCATION ######## #################?#LESS TAN 18 #######@BETWEEN 19-30 #######@BETWEEN 31-45 #######@BETWEEN 46-60 #######@ MORE THAN 60 ########!#################?#YES #######@#NO ########"#################?#AT HOME#######@#AT WORK##########################? #LESS THAN 3 MONTHS #######@#BETWEEN 3-6 MONTHS #######@#BETWEEN 6-12 MONTHS #######@#MORE THAN 1 YEAR ########$################################################################ ############{########################################## ################################################################################ ################################################################################ ################################################################################ ################################################################################ ############################################################################# ########### ########### ########### ########### ##################a###X1=x1 X2=x2 X3=x3 X4=x4 X5=x5 X6=x6 X7=x7 X8=x8 X9=x9 X10=x10 X11=x11 X12=x12 X13=x13 X14=x14 X15=x15 X16=x16 X17=x17 X18=x18 X19=x19 X20=x20 X21=x21 X22=x22 X23=x23 X24=x24 X25=x25 X25A=x25a X25B=x25b X25C=x25c X25D=x25d X25E=x25e X26=x26 X27A=x27a X28=x28 X29A=x29a X29B=x29b X30=x30 EAU=eau USFUELN=usfueln SECURE=secure ATTITUD=Attitud INTENT=Intent##############################################x1:$@Role('0' )/x2:$@Role('0' )/x3:$@Role('0' )/x4:$@Role('0' )/x5:$@Role('0' )/x6:$@Role('0' )/x7:$@Role('0' )/x8:$@Role('0' )/x9:$@Role('0' )/x10:$@Role('0' )/x11:$@Role('0' )/x12:$@Role('0' )/x13:$@Role('0' )/x14:$@Role('0' )/x15:$@Role('0' )/x16:$@Role('0' )/x17:$@Role('0' )/x18:$@Role('0' )/x19:$@Role('0' )/x20:$@Role('0' )/x21:$@Role('0' )/x22:$@Role('0' )/x23:$@Role('0' )/x24:$@Role('0' )/x25:$@Role('0' )/x25a:$@Role('0' )/x25b:$@Role('0' )/x25c:$@Role('0' )/x25d:$@Role('0' )/x25e:$@Role('0' )/x26:$@Role('0' )/x27a:$@Role('0' )/x28:$@Role('0' )/x29a:$@Role('0' )/x29b:$@Role('0' )/x30:$@Role('0' )/eau:$@Role('0' )/usfueln:$@Role('0' )/secure:$@Role('0' )/Attitud:$@Role('0' )/Intent:$@Role('0' )################UTF- 8#######hhhhghiihhghiiiiiihhgggieeeeeigeghhi#######@#######@fffgggf###### @gffgggggffggggffgeeeehfee#######@#######@#######@fhhhghh#######@ihihhii ihiihhhhhiheeehgefh#######@#######@iiiii#######@#######@###### @hiihhhhiihhhiihfhhheeehgeghihiiii#######@#######@###### @iiiighghhihhhhhhgefeiigghh###### @#######@hiiiighfghhhhiiiihhhieeeeifeghighgg#######@#######@hihhgihhihhghih ghhghhheeigeghhhh#######@#######@#######@hhgiihhiiiihhhihhhhhiiheeeh fefgig#######@#######@#######@ggghghhhhghhighiihhgghhheeeeehgeff###### @#######@#######@#######@ihgihhh###### @hgggghhhhhiiiigggghg#######@hgfgfgf###### @ffffffgggffffffffff#######@#######@fhhhhh#######@######? hhhggggiiiihhhghggiefgfefhhgiggggghhhhffffgfgffggeheehefhefhghffggg #######@ghhhhffffgggggggfgffheefhgeghghfggg#######@ghhhiigghgihhiiiigggfhee fhgegeh###### @#######@###### @#######@#######@hihihiigggghgggihhgfgfheefhheghg#######@#######@###### @###### @fghgihhhfffeggggffgffffgefheghgg#######@######?geiiii######? iefefiihhieegghhiefhgefei######?gggghh#######@######? hhhhhhhhhhhhhgggggefhgefeghhhggggghhhheeeehggghhhfgfegefhgegheggggg ###### @hhhhhggggghghghggffheeefghhgh###### @###### @#######@gghhigggghhhghhhfghfhefhgefhhggii###### @#######@gggggggggggggggggggggefggefegggh#######@hgeefggeieeggffhggeeeee efhgefgf#######@#######@#######@ggggighhgeeeffffgggghgghefggefgh f######? ggggggi#######@iffffggggggggfhfheeeefhgefeghfghgghgh#######@ghfggfhgghhggfgg fieefhgefe###### @###### @ggggg#######@###### @#######@gggggggiiiiiiiigeefgheghgggiggig#######@hhgiggfgigghhhfggggf eefhegehiii###### @#######@#######@#######@iiiiiiiiiiiiiiiiiiiiieeefgefhiiiiii#######@ghhhggf ffggfgfghfghhgieefhfeehh#######@###### @#######@#######@#######@ffffggfgfgfggfgghggghggeeefhfee#######@####### @#######@#######@#######@ffeefeggefefheegfeffefgefegefe######? #######@######?#######@iiihihi######? hhiihihihihghihheeefhgefh#######@#######@#######@ghhihh#######@ghhihhihi hhihhhhhheeeehgefhh#######@ffggf#######@#######@###### @gfggfgfggfggfggfggfeehfeef#######@fhihi#######@#######@#######@iiihihi hhihihihihhihefffeffghg#######@#######@#######@#######@###### @ighhhhgggghggghgfggfgefgeggff#######@#######@###### @###### @#######@ffffggeeeeffgfgggehfeheeefgfeeffeh#######@#######@#######@hiiiihh ggggiiiiiiiifigieeeeefhfeghgi#######@#######@#######@hhggffffffffghffggggghe heehheghff###### @#######@hhggggg#######@gefefggfgggggggeheefhgeghg###### @######? hhhhii#######@#######@iiffffgffghhhhgheieeeeeehgehhifghhiih#######@hhheeeeg fffggggggeheeeeeehgegh#######@heiiii#######@#######@iiiiffffhhhhhhhifiiieee eefhfeghiifhggggghhhhggggghhgggggfgeieefhgegeghghg###### @#######@ggghhhgggfgfghgggffgegeefhgeffgi###### @#######@#######@#######@iiihiiiffffgggghhhhghfieeeeegfeghifgg#######@hhhgiii ighhhihfhighgghgheefhgefgi#######@#######@#######@gghgihihihiiihihhhhhhhi gfeeeggeef#######@#######@#######@ggggggg#######@ghiiihggihggiifggggfiee fgeg###### @fffff#######@#######@#######@feggggffffgfggffgfeffgeefhgfffgfhg####### @#######@fhihhhighgihhhiggggeheieefffghheef#######@###### @eefffgggeeeegfggefgfefefeefehfff######?######?#######@######? gffgghiiigghhiiiiighhghhheeeefhgghg#######@#######@#######@fggfgfffgffffefe ffefeffeegeehf#######@#######@#######@######?######? ffgffgfeghifgefghhghfhffgfgeeffef#######@###### @#######@iiiiiii#######@hghgiiiiiihihhigghgieeeeeefihi#######@#######@ieeeee e###### @ggghgiiiihiiieeeeeeeieeeffefefeef#######@#######@#######@eigggiiiiihiiih hheegehfegg######? hhghh#######@#######@#######@ghghihigghihhiiggggggeieeeehghihh#######@ ###### @#######@###### @ihhiggggghihhiihhhhiihieeeefhghhee#######@###### @eeeeeffffggggggggeeefifeieefffegi######? #######@#######@iiiiiihgghhiihhiihhhhhfhiieeeeeeeihi#######@###### @#######@###### @iiiiiiiiiiiiiiiiiiiiiiihiiieeeefgiiiiggfggff#######@hghgeeeegfffffffeeeie eee#######@#######@#######@ffhffh######?######? giiigggfgiihhhhhgfieieefe#######@###### @hggfgg###### @###### @ffggffeefffgfgfeeeffeeefee#######@ffhfih#######@######? fiffghghhggiiiihhgfggfgeeefeigh#######@#######@###### @#######@#######@ighiiiiihgggiiiiigighgggeefhfhg#######@#######@####### @###### @#######@ghggfggghfffeggggfggffeegeehfgfh###### @#######@#######@hihhiggggggfgefggggfgggffgeefhfgf#######@#######@####### @feffefeffeeeeeeeeeeefeffeefeehfe######?######?######? iiiiiii######? iiiiiiiiiiiiiiiihhhieeeefhgiiiiiiiiii#######@iiiiiggffhigigghgggggeefhfii eefee#######@#######@###### @fegggfeeeeggggeeeeeeegefhh######?gggg######?#######@######? #######@ggggghiffffgggggggghgggeefhhggfff###### @#######@#######@ffffggggeeeeffffgeefeefgeefhhfgh#######@#######@###### ?######?gghgiiiiigggghhhihhhffffgeeeefff###### @#######@#######@###### @###### @fffffggggighhihgghghgffffiefeef#######@###### @#######@#######@hhhhhhhiiiihhhgggggihhhhhhieeeeehfh#######@#######@###### @iiiiiii#######@iiiihhhiiiiigggggggieeegfii#######@hhhhhh#######@####### @igggigggiiiiiggggggghegfhhhhhhhh###### @#######@hihhhiggghhhhigeeeeeehefgfhhgggg#######@###### @###### @gghhhhihhhihhhiihihhhhieeeeeeeigghhh###### @#######@#######@###### @hhhhiiiihhhiiiiiggghhggieeffghii#######@#######@#######@#######@iiiihhi ggggiiiigiiiieieefhfeghih#######@###### @#######@###### @ihihghhhihghhghghghighieeeehgeffh#######@#######@#######@#######@ghgfhgg hfhhgghhiighhghghefhfegfgh###### @###### @ghggfgfgfghhfhghhghgfggfgefhfefhg#######@###### @iihiih#######@#######@iihihihihiiihhiieeeeeehfege#######@#######@gggii #######@iiiggggiihhihighhgieefggeeh###### @igiiii#######@###### @iiiihhihiiiiiiiifhiieeeeeeehgeghiiiiii#######@#######@iiiiihgfehhggiiiihhhh eehfeghiigg#######@###### @#######@hghhhhggfghhhhhhhgfffgeehfegfhhgi###### @#######@ggghihiigghgiiiiiiihiiheehfeeh###### @#######@#######@#######@#######@efhghihhihfegghghhighhfieeehfefgg####### @#######@###### @ffeffgf###### @gfgfefgffffeeeffgeeefgefef######?#######@ihihhi#######@######? hhhhfehiihihihfhiieeeeeehfegh#######@#######@hihgh#######@#######@###### @ghghfgfghgffffhhighefgfeeghghihh###### @#######@######?ghgffeeggfgghhghfheeeeigefgfff#######@######? #######@eggggfeeefeeefeefefefeefhfggeih######?######?######? iihhhhggffghhghhihihhieeeeigegghh#######@#######@###### @###### @ighhigighffhghghhiihhhieeeffgeegh#######@#######@###### @###### @fhfhfhghhhfgghggihggfeieehgeefg###### @###### @giihhihihhghfhghiigggghggeeeeehfegh#######@#######@###### @hgfgfgg#######@fggfghhgfffgggfgfgeehfeee#######@#######@gfihhhi####### @iiihhhhihhhiiiifffieeeehfegh#######@ihiiii#######@#######@iiiihhghiiiiiii ieiegeeehfegeiiihhg#######@#######@gfggfghiiiihhighghgggeehfeghgi g###### @#######@#######@#######@igifgfihighighhihghfeieeeeeeehfegghghi#######@###### @hghihfhiiifhghggghihgfhefigefgh#######@#######@###### @#######@iiiiiiiiigfgiiihiiihhhiieeehgeehii###### @#######@gghgiih#######@hiiiiighiighgiigieehfefei###### @#######@gihfggh#######@iigeefighhhgggifggeeeeffegg###### @#######@hfgffg######? #######@gffhggghggffgggfgffeeehfeef#######@gfiiii#######@###### @iiiigfgghihgiiiifheieeeefeghiihiii#######@#######@iiiiiggggihiiiiiifiigee efhheghiiggf#######@#######@gghhhhgfgfgggggfffgffhefffegfhgh####### @#######@######?gggghhiffffhhgggffgffggeeefffeeehf###### @###### @######?hhhhiiiigffghigfhhhhhifieeeehgeghhi#######@###### @gffgffghhfffegffghhgfhffieefhegf#######@###### @######? hhihih#######@#######@hiffffhhigihhhghfieeeeeehfegh#######@#######@fhhiiii ###### @ihhffffhhihhhhhghfheeeeefhgegh#######@fghggg#######@#######@hhgggffgihighhi hghgieeeeeeggeghhgh###### @###### @#######@#######@###### @hhhgggffggggghhhhfhgheeeeeefgeghgghh#######@###### @#######@iiiiiihhhhiiiiiiiheieieefhgeghihig#######@#######@gggggggghhhgghh hhhgggggefhgeghggg#######@###### @gggghhiieeeegggghhhhggegeefhheghgeg#######@gihiighiihiggiihhhhigfeeiee ehfeeg#######@#######@#######@hhhhhh#######@###### @hhgffghhhhgggeeeeeefifegehhhiiiii#######@#######@iiihhhhhgghiiihffhhee eifeghiihiiii###### @#######@iiiiggggiiiiiiigfieiefhfeefiigiggh#######@gghiiffffgghggggfggfie efhfeggfii###### @#######@###### @#######@iiiiiiggggiiiiiiiigihieeeeifeghiigig#######@ghgiiiihhghigiiiiiihihi eeeeeehheghi###### @#######@#######@#######@iiiiiiiigffgiiiiiiihgihieeefhfeggiii#######@hhhhii i#######@igfggihiiiiiihifieefifeghhi#######@ffffhh#######@#######@hhfeefh fgggggfhfeiefhfeggfhgiiiii######? #######@iiihhghiiihiiiihiiieeeeehgeghiigggg#######@#######@#######@hghhgffg hghggggfggeieefifegfgiii#######@#######@###### @#######@iiiiihgghiiiiiiiigiigeeeefifeghiiiff###### @#######@gfffgggggghffggghegeegfgfeegi#######@#######@#######@####### @iiiiiiihgghiiiiiiiigiiheeeeehgeghiii###### @#######@eeeeeeiiffffggggfffeeeeefgfeeegfgigggihi######? ifffeiiiihhhgfgfieeefhgeeh###### @#######@######? iggfhghhhifffghhihhhhfggfheeeefhfeghg#######@ghighh#######@#######@ihghfffh ggggghghhhieefhheghhhfgfe#######@###### @#######@fefgffeeffefffeefeeheeeehgefgffhih######?######?######? ghghiffffhhgghhihihgheeefhgegghhfgf###### @###### @hgiiiiggeefihghhhffeeieehfeghgifgi###### @hghiihghgfgghgggihihhgheeeeggegfhgg#######@###### @ghgghhhgfgffghhhhhgihhgheeeeeefgeg###### @#######@#######@#######@ighgghi#######@hffeffggfgffghhgheefhgeefh####### @######?hghiii#######@######? highghhiiihhiifhiheeeeeeehfeghh#######@ghfhh###### @#######@###### @ghfghffgfhghhgfhhgheeffeef###### @gffee###### @#######@#######@effffefeffgfffffhffheeeeggeeeeee######?######? ######?#######@######?eeeeeeeeefeefeeeeeeeefgeeeeeehg######?######? ihghiiffefghfhfghhghhgeeehgeefhi#######@######?###### @#######@giiiiiiiiiiiiiiiiigeigieeehfeghiii#######@#######@ghhhhhiiggggiii ighhgghgieeeggeeggi#######@#######@ghghghh#######@ghghihhgghhghgghee egfeeh###### @###### @heeggeg#######@ggeeefhhhhgiheieeiefhfeghf#######@hghghhi######? iiihghhihhhhhhgfggieeehfefh#######@igiiii#######@#######@iiiiigggiihhiiii geefeeehfeghiifgf###### @#######@#######@ggfgffgfgffefefefifegeeefhfgeef#######@#######@####### @######?ffgggfgfgffefeffgfgeefeeeffgfef######? #######@#######@######?######? fhffihhffefggghhggeigeieeehfegh#######@#######@######?###### @#######@ihihhihifeffhgehihiggffgeeehgegfg#######@#######@######? fefeff###### @fefeffefeffeeeeegeeeeeeggeee######?######?hiihgg######?######? hggfgggghghghhihiheeeeefhgegh#######@###### @fffeg#######@###### @#######@hhheeeeggfghggehfeiefhgegh######? egggh#######@#######@#######@ghihffeffgfhhghfiihieeefgfegfhiii###### @######? #######@#######@iiiiihhghiiiiiiihggeheeeigeghiiiih#######@#######@ghhihiff efffefggggigegeeeeffeffhe#######@######?######? #######@ffeefefeeeeefgfffeffgfgeeeffheeeef######?######?######? ighihhigfgfghhghhghghgfgeeefhgeggh#######@#######@#######@iiihihi#######@ hhghihihiihhihhiieeeeeehgeefh#######@#######@ghhghg#######@###### @hggffgfggfgghhighheeeefgef###### @###### @fgfff#######@#######@#######@efffgfhggffggffeieeehgfg#######@fggf ######?######?ggfggeefhhhihhhfheeieeggeghgghg#######@#######@######? #######@hgghggghgghghhhgghhgheeeeeehgeghih###### @###### @###### @###### @#######@ihhgghffefhhghhhhghghieeeeggeeggg#######@###### @######? #######@hhiihihfggghigihhihihgheeeeeeffeefh#######@#######@#######@###### @efefefgfgfefffgfffeeefegeeeefehfhff######?#######@iiiiiii######? iggggiiiiiiiihhgieeeeeehfeghiigiefgffg#######@fggfggggfihhfghfegeehfeeef #######@ihiii#######@###### @#######@iiihhghiiiiiiiiegeeeehfege#######@ighgh#######@#######@hhhggg ghghggggfgffheefhfegegiih###### @###### @#######@hiiiihhhhihhhiiihfgeieeeehfeghihhh#######@#######@#######@hhiiiih hhhihiihiihfhgheehfeeghihh#######@###### @hhgiiiigggghhhgihhhhghheeeeehfeghig#######@#######@###### @higiiiiiffffhgighgggfieeeehfegeif#######@#######@higiiihhffghghiihiihii ieefffegg#######@#######@#######@ggggg#######@###### @ggggggggggggggggggefhfeeegggihiii#######@hihhhhiiihihhiiihhieeeehgege #######@gggh#######@#######@#######@###### @ghhghgffgfggggghghgheeeeegfegh######### @###### @#######@#######@#######@ $FL2@(#) IBM SPSS STATISTICS MS Windows 22.0.0.0 ####)####################Y@19 Nov 1615:32:43 ###########################X1 6###x1. using the interner banking services is easy for me ########################X2 `###x2. I find my interaction with the use of the internet banking services clear and understandable########################X3 T###x3. it is easy for me to become skillful at the use of the internet banking services########################X4 A###x4. overall, I find the use of the internet banking services easy ########################X5 R###x5. using the internet banking would enable me to accomplish my tasks more quickly ########################X6 P###x6. using the internet banking would make it easier for me to carry out my tasks########################X7 ,###x7.I would find the internet banking useful ########################X8 G###x8. overall, I would find using the internet banking to be advantageous ########################X9 Q###x9. I would feel secure sending sensitive information across the internet banking ########################X10 W###x10. The Internet Banking is a secure means through which to send sensitive information ########################X11 e###x11. I would feel totally safe providing sensitive information about myself over the Internet Banking ########################X12 T###x12. Overall, the Internet Banking is a safe place to transmit sensitive information########################X13 *###x13. Using Internet Banking is a good idea ########################X14 9###x14. I would feel that using Internet Banking is pleasant ########################X15 A###x15. In my opinion, it would be desirable to use Internet Banking ########################X16 6###x16. In my view, using Internet Banking is a wise idea ########################X17 9###x17.I would use the Internet Banking for my banking needs ########################X18 \\###x18. Using the Internet Banking for handling my banking transactions is something I would do########################X19 W###x19. I would see myself using the Internet Banking for handling my banking transactions ########################X20 &###x20. I use INTERNET BANKING frequently ########################X21 =###x21. I encounter problem frequently in using INTERNET BANKING ########################X22 G###x22. I use INTERNET BANKING service frequently as source of information ########################X23 >###x23. I use INTERNET BANKING from more than one bank frequently ########################X24 m###x24. Besides INTERNET BANKING, I use frequently other banking channels (ATM, branch teller, phone banking...) ########################X25 H###x25. Using banking services for: (You can choose more than one) enquiry########################X25A ###x25a. Deposit ########################X25B ###x25b. Loan ########################X25C ###x25c. Equity########################X25D ####x25d. investment funds ########################X25E ####x25e. share trading ########################X26 ####x26. sex########################X27A ! ###x27. What is your class standing? ########################X28 ####x28. Age group: ########################X29A %###x29a. I have access to the Internet: ########################X29B $###x29b. If Yes, I access the internet:########################X30 %###x30. Months using INTERNET BANKING : ########################EAU ########################USFUELN ########################SECURE ########################ATTITUD ########################INTENT ##############?#strongly disagree #######@#disagree #######@#Natural#######@#agree #######@#strongly agree ##########################?#strongly disagree #######@#disagree #######@#neutral#######@#agree #######@#strongly agree ##############################?#strongly disagree #######@#disagree #######@#neutral#######@#agree #######@#strongly agree ############################ ### ####### ################################################################? #ENQUIRY##########################?#DEPOSIT##########################?#LOAN ##########################?#EQUITY ##########################? INVESTMENT ##########################?SHARE TRADING ##########################?#MALE #######@#FEMALE ##########################? #LESS THEN HIGH SCHOOL #######@#HIGH SCHOOL #######@#DIPLOMA#######@#BACHELOR DEGREE#######@#HIGHER EDUCATION ######## #################?#LESS TAN 18 #######@BETWEEN 19-30 #######@BETWEEN 31-45 #######@BETWEEN 46-60 #######@ MORE THAN 60 ########!#################?#YES #######@#NO ########"#################?#AT HOME#######@#AT WORK##########################? #LESS THAN 3 MONTHS #######@#BETWEEN 3-6 MONTHS #######@#BETWEEN 6-12 MONTHS #######@#MORE THAN 1 YEAR ########$################################################################ ############{########################################## ################################################################################ ################################################################################ ################################################################################ ################################################################################ ############################################################################# ########### ########### ########### ########### ##################a###X1=x1 X2=x2 X3=x3 X4=x4 X5=x5 X6=x6 X7=x7 X8=x8 X9=x9 X10=x10 X11=x11 X12=x12 X13=x13 X14=x14 X15=x15 X16=x16 X17=x17 X18=x18 X19=x19 X20=x20 X21=x21 X22=x22 X23=x23 X24=x24 X25=x25 X25A=x25a X25B=x25b X25C=x25c X25D=x25d X25E=x25e X26=x26 X27A=x27a X28=x28 X29A=x29a X29B=x29b X30=x30 EAU=eau USFUELN=usfueln SECURE=secure ATTITUD=Attitud INTENT=Intent##############################################x1:$@Role('0' )/x2:$@Role('0' )/x3:$@Role('0' )/x4:$@Role('0' )/x5:$@Role('0' )/x6:$@Role('0' )/x7:$@Role('0' )/x8:$@Role('0' )/x9:$@Role('0' )/x10:$@Role('0' )/x11:$@Role('0' )/x12:$@Role('0' )/x13:$@Role('0' )/x14:$@Role('0' )/x15:$@Role('0' )/x16:$@Role('0' )/x17:$@Role('0' )/x18:$@Role('0' )/x19:$@Role('0' )/x20:$@Role('0' )/x21:$@Role('0' )/x22:$@Role('0' )/x23:$@Role('0' )/x24:$@Role('0' )/x25:$@Role('0' )/x25a:$@Role('0' )/x25b:$@Role('0' )/x25c:$@Role('0' )/x25d:$@Role('0' )/x25e:$@Role('0' )/x26:$@Role('0' )/x27a:$@Role('0' )/x28:$@Role('0' )/x29a:$@Role('0' )/x29b:$@Role('0' )/x30:$@Role('0' )/eau:$@Role('0' )/usfueln:$@Role('0' )/secure:$@Role('0' )/Attitud:$@Role('0' )/Intent:$@Role('0' )################UTF- 8#######hhhhghiihhghiiiiiihhgggieeeeeigeghhi#######@#######@fffgggf###### @gffgggggffggggffgeeeehfee#######@#######@#######@fhhhghh#######@ihihhii ihiihhhhhiheeehgefh#######@#######@iiiii#######@#######@###### @hiihhhhiihhhiihfhhheeehgeghihiiii#######@#######@###### @iiiighghhihhhhhhgefeiigghh###### @#######@hiiiighfghhhhiiiihhhieeeeifeghighgg#######@#######@hihhgihhihhghih ghhghhheeigeghhhh#######@#######@#######@hhgiihhiiiihhhihhhhhiiheeeh fefgig#######@#######@#######@ggghghhhhghhighiihhgghhheeeeehgeff###### @#######@#######@#######@ihgihhh###### @hgggghhhhhiiiigggghg#######@hgfgfgf###### @ffffffgggffffffffff#######@#######@fhhhhh#######@######? hhhggggiiiihhhghggiefgfefhhgiggggghhhhffffgfgffggeheehefhefhghffggg #######@ghhhhffffgggggggfgffheefhgeghghfggg#######@ghhhiigghgihhiiiigggfhee fhgegeh###### @#######@###### @#######@#######@hihihiigggghgggihhgfgfheefhheghg#######@#######@###### @###### @fghgihhhfffeggggffgffffgefheghgg#######@######?geiiii######? iefefiihhieegghhiefhgefei######?gggghh#######@######? hhhhhhhhhhhhhgggggefhgefeghhhggggghhhheeeehggghhhfgfegefhgegheggggg ###### @hhhhhggggghghghggffheeefghhgh###### @###### @#######@gghhigggghhhghhhfghfhefhgefhhggii###### @#######@gggggggggggggggggggggefggefegggh#######@hgeefggeieeggffhggeeeee efhgefgf#######@#######@#######@ggggighhgeeeffffgggghgghefggefgh f######? ggggggi#######@iffffggggggggfhfheeeefhgefeghfghgghgh#######@ghfggfhgghhggfgg fieefhgefe###### @###### @ggggg#######@###### @#######@gggggggiiiiiiiigeefgheghgggiggig#######@hhgiggfgigghhhfggggf eefhegehiii###### @#######@#######@#######@iiiiiiiiiiiiiiiiiiiiieeefgefhiiiiii#######@ghhhggf ffggfgfghfghhgieefhfeehh#######@###### @#######@#######@#######@ffffggfgfgfggfgghggghggeeefhfee#######@####### @#######@#######@#######@ffeefeggefefheegfeffefgefegefe######? #######@######?#######@iiihihi######? hhiihihihihghihheeefhgefh#######@#######@#######@ghhihh#######@ghhihhihi hhihhhhhheeeehgefhh#######@ffggf#######@#######@###### @gfggfgfggfggfggfggfeehfeef#######@fhihi#######@#######@#######@iiihihi hhihihihihhihefffeffghg#######@#######@#######@#######@###### @ighhhhgggghggghgfggfgefgeggff#######@#######@###### @###### @#######@ffffggeeeeffgfgggehfeheeefgfeeffeh#######@#######@#######@hiiiihh ggggiiiiiiiifigieeeeefhfeghgi#######@#######@#######@hhggffffffffghffggggghe heehheghff###### @#######@hhggggg#######@gefefggfgggggggeheefhgeghg###### @######? hhhhii#######@#######@iiffffgffghhhhgheieeeeeehgehhifghhiih#######@hhheeeeg fffggggggeheeeeeehgegh#######@heiiii#######@#######@iiiiffffhhhhhhhifiiieee eefhfeghiifhggggghhhhggggghhgggggfgeieefhgegeghghg###### @#######@ggghhhgggfgfghgggffgegeefhgeffgi###### @#######@#######@#######@iiihiiiffffgggghhhhghfieeeeegfeghifgg#######@hhhgiii ighhhihfhighgghgheefhgefgi#######@#######@#######@gghgihihihiiihihhhhhhhi gfeeeggeef#######@#######@#######@ggggggg#######@ghiiihggihggiifggggfiee fgeg###### @fffff#######@#######@#######@feggggffffgfggffgfeffgeefhgfffgfhg####### @#######@fhihhhighgihhhiggggeheieefffghheef#######@###### @eefffgggeeeegfggefgfefefeefehfff######?######?#######@######? gffgghiiigghhiiiiighhghhheeeefhgghg#######@#######@#######@fggfgfffgffffefe ffefeffeegeehf#######@#######@#######@######?######? ffgffgfeghifgefghhghfhffgfgeeffef#######@###### @#######@iiiiiii#######@hghgiiiiiihihhigghgieeeeeefihi#######@#######@ieeeee e###### @ggghgiiiihiiieeeeeeeieeeffefefeef#######@#######@#######@eigggiiiiihiiih hheegehfegg######? hhghh#######@#######@#######@ghghihigghihhiiggggggeieeeehghihh#######@ ###### @#######@###### @ihhiggggghihhiihhhhiihieeeefhghhee#######@###### @eeeeeffffggggggggeeefifeieefffegi######? #######@#######@iiiiiihgghhiihhiihhhhhfhiieeeeeeeihi#######@###### @#######@###### @iiiiiiiiiiiiiiiiiiiiiiihiiieeeefgiiiiggfggff#######@hghgeeeegfffffffeeeie eee#######@#######@#######@ffhffh######?######? giiigggfgiihhhhhgfieieefe#######@###### @hggfgg###### @###### @ffggffeefffgfgfeeeffeeefee#######@ffhfih#######@######? fiffghghhggiiiihhgfggfgeeefeigh#######@#######@###### @#######@#######@ighiiiiihgggiiiiigighgggeefhfhg#######@#######@####### @###### @#######@ghggfggghfffeggggfggffeegeehfgfh###### @#######@#######@hihhiggggggfgefggggfgggffgeefhfgf#######@#######@####### @feffefeffeeeeeeeeeeefeffeefeehfe######?######?######? iiiiiii######? iiiiiiiiiiiiiiiihhhieeeefhgiiiiiiiiii#######@iiiiiggffhigigghgggggeefhfii eefee#######@#######@###### @fegggfeeeeggggeeeeeeegefhh######?gggg######?#######@######? #######@ggggghiffffgggggggghgggeefhhggfff###### @#######@#######@ffffggggeeeeffffgeefeefgeefhhfgh#######@#######@###### ?######?gghgiiiiigggghhhihhhffffgeeeefff###### @#######@#######@###### @###### @fffffggggighhihgghghgffffiefeef#######@###### @#######@#######@hhhhhhhiiiihhhgggggihhhhhhieeeeehfh#######@#######@###### @iiiiiii#######@iiiihhhiiiiigggggggieeegfii#######@hhhhhh#######@####### @igggigggiiiiiggggggghegfhhhhhhhh###### @#######@hihhhiggghhhhigeeeeeehefgfhhgggg#######@###### @###### @gghhhhihhhihhhiihihhhhieeeeeeeigghhh###### @#######@#######@###### @hhhhiiiihhhiiiiiggghhggieeffghii#######@#######@#######@#######@iiiihhi ggggiiiigiiiieieefhfeghih#######@###### @#######@###### @ihihghhhihghhghghghighieeeehgeffh#######@#######@#######@#######@ghgfhgg hfhhgghhiighhghghefhfegfgh###### @###### @ghggfgfgfghhfhghhghgfggfgefhfefhg#######@###### @iihiih#######@#######@iihihihihiiihhiieeeeeehfege#######@#######@gggii #######@iiiggggiihhihighhgieefggeeh###### @igiiii#######@###### @iiiihhihiiiiiiiifhiieeeeeeehgeghiiiiii#######@#######@iiiiihgfehhggiiiihhhh eehfeghiigg#######@###### @#######@hghhhhggfghhhhhhhgfffgeehfegfhhgi###### @#######@ggghihiigghgiiiiiiihiiheehfeeh###### @#######@#######@#######@#######@efhghihhihfegghghhighhfieeehfefgg####### @#######@###### @ffeffgf###### @gfgfefgffffeeeffgeeefgefef######?#######@ihihhi#######@######? hhhhfehiihihihfhiieeeeeehfegh#######@#######@hihgh#######@#######@###### @ghghfgfghgffffhhighefgfeeghghihh###### @#######@######?ghgffeeggfgghhghfheeeeigefgfff#######@######? #######@eggggfeeefeeefeefefefeefhfggeih######?######?######? iihhhhggffghhghhihihhieeeeigegghh#######@#######@###### @###### @ighhigighffhghghhiihhhieeeffgeegh#######@#######@###### @###### @fhfhfhghhhfgghggihggfeieehgeefg###### @###### @giihhihihhghfhghiigggghggeeeeehfegh#######@#######@###### @hgfgfgg#######@fggfghhgfffgggfgfgeehfeee#######@#######@gfihhhi####### @iiihhhhihhhiiiifffieeeehfegh#######@ihiiii#######@#######@iiiihhghiiiiiii ieiegeeehfegeiiihhg#######@#######@gfggfghiiiihhighghgggeehfeghgi g###### @#######@#######@#######@igifgfihighighhihghfeieeeeeeehfegghghi#######@###### @hghihfhiiifhghggghihgfhefigefgh#######@#######@###### @#######@iiiiiiiiigfgiiihiiihhhiieeehgeehii###### @#######@gghgiih#######@hiiiiighiighgiigieehfefei###### @#######@gihfggh#######@iigeefighhhgggifggeeeeffegg###### @#######@hfgffg######? #######@gffhggghggffgggfgffeeehfeef#######@gfiiii#######@###### @iiiigfgghihgiiiifheieeeefeghiihiii#######@#######@iiiiiggggihiiiiiifiigee efhheghiiggf#######@#######@gghhhhgfgfgggggfffgffhefffegfhgh####### @#######@######?gggghhiffffhhgggffgffggeeefffeeehf###### @###### @######?hhhhiiiigffghigfhhhhhifieeeehgeghhi#######@###### @gffgffghhfffegffghhgfhffieefhegf#######@###### @######? hhihih#######@#######@hiffffhhigihhhghfieeeeeehfegh#######@#######@fhhiiii ###### @ihhffffhhihhhhhghfheeeeefhgegh#######@fghggg#######@#######@hhgggffgihighhi hghgieeeeeeggeghhgh###### @###### @#######@#######@###### @hhhgggffggggghhhhfhgheeeeeefgeghgghh#######@###### @#######@iiiiiihhhhiiiiiiiheieieefhgeghihig#######@#######@gggggggghhhgghh hhhgggggefhgeghggg#######@###### @gggghhiieeeegggghhhhggegeefhheghgeg#######@gihiighiihiggiihhhhigfeeiee ehfeeg#######@#######@#######@hhhhhh#######@###### @hhgffghhhhgggeeeeeefifegehhhiiiii#######@#######@iiihhhhhgghiiihffhhee eifeghiihiiii###### @#######@iiiiggggiiiiiiigfieiefhfeefiigiggh#######@gghiiffffgghggggfggfie efhfeggfii###### @#######@###### @#######@iiiiiiggggiiiiiiiigihieeeeifeghiigig#######@ghgiiiihhghigiiiiiihihi eeeeeehheghi###### @#######@#######@#######@iiiiiiiigffgiiiiiiihgihieeefhfeggiii#######@hhhhii i#######@igfggihiiiiiihifieefifeghhi#######@ffffhh#######@#######@hhfeefh fgggggfhfeiefhfeggfhgiiiii######? #######@iiihhghiiihiiiihiiieeeeehgeghiigggg#######@#######@#######@hghhgffg hghggggfggeieefifegfgiii#######@#######@###### @#######@iiiiihgghiiiiiiiigiigeeeefifeghiiiff###### @#######@gfffgggggghffggghegeegfgfeegi#######@#######@#######@####### @iiiiiiihgghiiiiiiiigiiheeeeehgeghiii###### @#######@eeeeeeiiffffggggfffeeeeefgfeeegfgigggihi######? ifffeiiiihhhgfgfieeefhgeeh###### @#######@######? iggfhghhhifffghhihhhhfggfheeeefhfeghg#######@ghighh#######@#######@ihghfffh ggggghghhhieefhheghhhfgfe#######@###### @#######@fefgffeeffefffeefeeheeeehgefgffhih######?######?######? ghghiffffhhgghhihihgheeefhgegghhfgf###### @###### @hgiiiiggeefihghhhffeeieehfeghgifgi###### @hghiihghgfgghgggihihhgheeeeggegfhgg#######@###### @ghgghhhgfgffghhhhhgihhgheeeeeefgeg###### @#######@#######@#######@ighgghi#######@hffeffggfgffghhgheefhgeefh####### @######?hghiii#######@######? highghhiiihhiifhiheeeeeeehfeghh#######@ghfhh###### @#######@###### @ghfghffgfhghhgfhhgheeffeef###### @gffee###### @#######@#######@effffefeffgfffffhffheeeeggeeeeee######?######? ######?#######@######?eeeeeeeeefeefeeeeeeeefgeeeeeehg######?######? ihghiiffefghfhfghhghhgeeehgeefhi#######@######?###### @#######@giiiiiiiiiiiiiiiiigeigieeehfeghiii#######@#######@ghhhhhiiggggiii ighhgghgieeeggeeggi#######@#######@ghghghh#######@ghghihhgghhghgghee egfeeh###### @###### @heeggeg#######@ggeeefhhhhgiheieeiefhfeghf#######@hghghhi######? iiihghhihhhhhhgfggieeehfefh#######@igiiii#######@#######@iiiiigggiihhiiii geefeeehfeghiifgf###### @#######@#######@ggfgffgfgffefefefifegeeefhfgeef#######@#######@####### @######?ffgggfgfgffefeffgfgeefeeeffgfef######? #######@#######@######?######? fhffihhffefggghhggeigeieeehfegh#######@#######@######?###### @#######@ihihhihifeffhgehihiggffgeeehgegfg#######@#######@######? fefeff###### @fefeffefeffeeeeegeeeeeeggeee######?######?hiihgg######?######? hggfgggghghghhihiheeeeefhgegh#######@###### @fffeg#######@###### @#######@hhheeeeggfghggehfeiefhgegh######? egggh#######@#######@#######@ghihffeffgfhhghfiihieeefgfegfhiii###### @######? #######@#######@iiiiihhghiiiiiiihggeheeeigeghiiiih#######@#######@ghhihiff efffefggggigegeeeeffeffhe#######@######?######? #######@ffeefefeeeeefgfffeffgfgeeeffheeeef######?######?######? ighihhigfgfghhghhghghgfgeeefhgeggh#######@#######@#######@iiihihi#######@ hhghihihiihhihhiieeeeeehgeefh#######@#######@ghhghg#######@###### @hggffgfggfgghhighheeeefgef###### @###### @fgfff#######@#######@#######@efffgfhggffggffeieeehgfg#######@fggf ######?######?ggfggeefhhhihhhfheeieeggeghgghg#######@#######@######? #######@hgghggghgghghhhgghhgheeeeeehgeghih###### @###### @###### @###### @#######@ihhgghffefhhghhhhghghieeeeggeeggg#######@###### @######? #######@hhiihihfggghigihhihihgheeeeeeffeefh#######@#######@#######@###### @efefefgfgfefffgfffeeefegeeeefehfhff######?#######@iiiiiii######? iggggiiiiiiiihhgieeeeeehfeghiigiefgffg#######@fggfggggfihhfghfegeehfeeef #######@ihiii#######@###### @#######@iiihhghiiiiiiiiegeeeehfege#######@ighgh#######@#######@hhhggg ghghggggfgffheefhfegegiih###### @###### @#######@hiiiihhhhihhhiiihfgeieeeehfeghihhh#######@#######@#######@hhiiiih hhhihiihiihfhgheehfeeghihh#######@###### @hhgiiiigggghhhgihhhhghheeeeehfeghig#######@#######@###### @higiiiiiffffhgighgggfieeeehfegeif#######@#######@higiiihhffghghiihiihii ieefffegg#######@#######@#######@ggggg#######@###### @ggggggggggggggggggefhfeeegggihiii#######@hihhhhiiihihhiiihhieeeehgege #######@gggh#######@#######@#######@###### @ghhghgffgfggggghghgheeeeegfegh######### @###### @#######@#######@#######@ GET FILE='C:\\Users\\english\\Desktop\\spss\\ali.sav'. DATASET NAME DataSet1 WINDOW=FRONT. FREQUENCIES VARIABLES=x1 x2 x3 x4 /ORDER=ANALYSIS. Frequencies Notes Output Created 18-NOV-2016 14:20:11 Comments Input Data C:\\Users\\english\\Desktop\\spss\\ali.sav Active Dataset DataSet1 Filter Weight Split File N of Rows in Working Data File Missing Value Handling Definition of Missing 197 User-defined missing values are treated as missing. Cases Used Statistics are based on all cases with valid data. Syntax FREQUENCIES VARIABLES=x1 x2 x3 x4 /ORDER=ANALYSIS. Resources Processor Time 00:00:00.02 Elapsed Time 00:00:00.02 [DataSet1] C:\\Users\\english\\Desktop\\spss\\ali.sav Statistics x2. I find my N interaction with the x3. it is easy for me x1. using the use of the internet to become skillful at x4. overall, I find interner banking banking services the use of the the use of the services is easy for clear and internet banking internet banking me understandable services services easy Valid Missing 197 197 196 195 0 0 1 2 Frequency Table x1. using the interner banking services is easy for me Frequency Valid Percent Valid Percent Cumulative Percent 1 13 6.6 6.6 6.6 2 27 13.7 13.7 20.3 3 51 25.9 25.9 46.2 4 50 25.4 25.4 71.6 5 56 28.4 28.4 100.0 197 100.0 100.0 Total x2. I find my interaction with the use of the internet banking services clear and understandable Frequency Valid Percent Valid Percent Cumulative Percent 1 10 5.1 5.1 5.1 2 33 16.8 16.8 21.8 3 54 27.4 27.4 49.2 4 54 27.4 27.4 76.6 5 46 23.4 23.4 100.0 197 100.0 100.0 Total x3. it is easy for me to become skillful at the use of the internet banking services Frequency Valid Valid Percent Cumulative Percent 1 9 4.6 4.6 4.6 2 24 12.2 12.2 16.8 3 62 31.5 31.6 48.5 4 50 25.4 25.5 74.0 5 51 25.9 26.0 100.0 196 99.5 100.0 1 .5 197 100.0 Total Missing Percent System Total x4. overall, I find the use of the internet banking services easy Frequency Valid Valid Percent Cumulative Percent 1 15 7.6 7.7 7.7 2 24 12.2 12.3 20.0 3 55 27.9 28.2 48.2 4 48 24.4 24.6 72.8 5 53 26.9 27.2 100.0 195 99.0 100.0 2 1.0 197 100.0 Total Missing Percent System Total FREQUENCIES VARIABLES=x5 x6 x7 x8 /ORDER=ANALYSIS. Frequencies Notes Output Created 18-NOV-2016 14:21:28 Comments Input Data C:\\Users\\english\\Desktop\\spss\\ali.sav Active Dataset DataSet1 Filter Weight Split File N of Rows in Working Data File Missing Value Handling Definition of Missing 197 User-defined missing values are treated as missing. Cases Used Statistics are based on all cases with valid data. Syntax FREQUENCIES VARIABLES=x5 x6 x7 x8 /ORDER=ANALYSIS. Resources Processor Time 00:00:00.00 Elapsed Time 00:00:00.00 Statistics N x5. using the x6. using the internet banking internet banking would enable me to would make it x7.I would find the find using the accomplish my easier for me to internet banking internet banking to tasks more quickly carry out my tasks useful be advantageous Valid x8. overall, I would 196 197 196 194 1 0 1 3 Missing Frequency Table x5. using the internet banking would enable me to accomplish my tasks more quickly Frequency Valid Percent Valid Percent Cumulative Percent 1 12 6.1 6.1 6.1 2 24 12.2 12.2 18.4 3 42 21.3 21.4 39.8 4 52 26.4 26.5 66.3 5 66 33.5 33.7 100.0 Total Missing 196 99.5 1 .5 197 100.0 System Total 100.0 x6. using the internet banking would make it easier for me to carry out my tasks Frequency Valid Percent Valid Percent Cumulative Percent 1 8 4.1 4.1 4.1 2 20 10.2 10.2 14.2 3 38 19.3 19.3 33.5 4 67 34.0 34.0 67.5 5 64 32.5 32.5 100.0 197 100.0 100.0 Total x7.I would find the internet banking useful Frequency Valid Valid Percent Cumulative Percent 1 6 3.0 3.1 3.1 2 22 11.2 11.2 14.3 3 37 18.8 18.9 33.2 4 56 28.4 28.6 61.7 5 75 38.1 38.3 100.0 196 99.5 100.0 1 .5 197 100.0 Total Missing Percent System Total x8. overall, I would find using the internet banking to be advantageous Frequency Valid Valid Percent Cumulative Percent 1 2 1.0 1.0 1.0 2 20 10.2 10.3 11.3 3 43 21.8 22.2 33.5 4 55 27.9 28.4 61.9 5 74 37.6 38.1 100.0 194 98.5 100.0 3 1.5 Total Missing Percent System Total 197 100.0 FREQUENCIES VARIABLES=x9 x10 x11 x12 /ORDER=ANALYSIS. Frequencies Notes Output Created 18-NOV-2016 14:21:41 Comments Input Data C:\\Users\\english\\Desktop\\spss\\ali.sav Active Dataset DataSet1 Filter Weight Split File N of Rows in Working Data File Missing Value Handling Definition of Missing 197 User-defined missing values are treated as missing. Cases Used Statistics are based on all cases with valid data. Syntax FREQUENCIES VARIABLES=x9 x10 x11 x12 /ORDER=ANALYSIS. Resources Processor Time 00:00:00.02 Elapsed Time 00:00:00.01 Statistics x10. The Internet x11. I would feel x9. I would feel Banking is a secure totally safe x12. Overall, the secure sending means through providing sensitive Internet Banking is sensitive which to send information about a safe place to information across sensitive myself over the transmit sensitive the internet banking information Internet Banking information N Valid 195 196 197 196 2 1 0 1 Missing Frequency Table x9. I would feel secure sending sensitive information across the internet banking Frequency Valid Valid Percent Cumulative Percent 1 13 6.6 6.7 6.7 2 44 22.3 22.6 29.2 3 73 37.1 37.4 66.7 4 40 20.3 20.5 87.2 5 25 12.7 12.8 100.0 195 99.0 100.0 2 1.0 197 100.0 Total Missing Percent System Total x10. The Internet Banking is a secure means through which to send sensitive information Frequency Valid Valid Percent Cumulative Percent 1 16 8.1 8.2 8.2 2 56 28.4 28.6 36.7 3 58 29.4 29.6 66.3 4 43 21.8 21.9 88.3 5 23 11.7 11.7 100.0 196 99.5 100.0 1 .5 197 100.0 Total Missing Percent System Total x11. I would feel totally safe providing sensitive information about myself over the Internet Banking Frequency Percent Valid Percent Cumulative Percent Valid 1 29 14.7 14.7 14.7 2 50 25.4 25.4 40.1 3 61 31.0 31.0 71.1 4 26 13.2 13.2 84.3 5 31 15.7 15.7 100.0 197 100.0 100.0 Total x12. Overall, the Internet Banking is a safe place to transmit sensitive information Frequency Valid Valid Percent Cumulative Percent 1 27 13.7 13.8 13.8 2 54 27.4 27.6 41.3 3 64 32.5 32.7 74.0 4 37 18.8 18.9 92.9 5 14 7.1 7.1 100.0 196 99.5 100.0 1 .5 197 100.0 Total Missing Percent System Total FREQUENCIES VARIABLES=x13 x14 x15 x16 /ORDER=ANALYSIS. Frequencies Notes Output Created 18-NOV-2016 14:21:52 Comments Input Data C:\\Users\\english\\Desktop\\spss\\ali.sav Active Dataset DataSet1 Filter Weight Split File N of Rows in Working Data File Missing Value Handling Definition of Missing 197 User-defined missing values are treated as missing. Cases Used Statistics are based on all cases with valid data. Syntax FREQUENCIES VARIABLES=x13 x14 x15 x16 /ORDER=ANALYSIS. Resources Processor Time 00:00:00.02 Elapsed Time 00:00:00.01 Statistics N x15. In my opinion, x16. In my view, x13. Using Internet x14. I would feel it would be using Internet Banking is a good that using Internet desirable to use Banking is a wise idea Banking is pleasant Internet Banking idea Valid 196 197 196 197 1 0 1 0 Missing Frequency Table x13. Using Internet Banking is a good idea Frequency Valid Total Valid Percent Cumulative Percent 1 7 3.6 3.6 3.6 2 21 10.7 10.7 14.3 3 59 29.9 30.1 44.4 4 57 28.9 29.1 73.5 5 52 26.4 26.5 100.0 196 99.5 100.0 1 .5 197 100.0 Total Missing Percent System x14. I would feel that using Internet Banking is pleasant Frequency Valid Percent Valid Percent Cumulative Percent 1 11 5.6 5.6 5.6 2 25 12.7 12.7 18.3 3 60 30.5 30.5 48.7 4 53 26.9 26.9 75.6 5 48 24.4 24.4 100.0 197 100.0 100.0 Total x15. In my opinion, it would be desirable to use Internet Banking Frequency Valid Valid Percent Cumulative Percent 1 15 7.6 7.7 7.7 2 24 12.2 12.2 19.9 3 51 25.9 26.0 45.9 4 54 27.4 27.6 73.5 5 52 26.4 26.5 100.0 196 99.5 100.0 1 .5 197 100.0 Total Missing Percent System Total x16. In my view, using Internet Banking is a wise idea Frequency Valid Percent Valid Percent Cumulative Percent 1 4 2.0 2.0 2.0 2 28 14.2 14.2 16.2 3 58 29.4 29.4 45.7 4 56 28.4 28.4 74.1 5 51 25.9 25.9 100.0 197 100.0 100.0 Total FREQUENCIES VARIABLES=x17 x18 x19 /ORDER=ANALYSIS. Frequencies Notes Output Created 18-NOV-2016 14:22:06 Comments Input Data C:\\Users\\english\\Desktop\\spss\\ali.sav Active Dataset DataSet1 Filter Weight Split File N of Rows in Working Data File Missing Value Handling Definition of Missing 197 User-defined missing values are treated as missing. Cases Used Statistics are based on all cases with valid data. Syntax FREQUENCIES VARIABLES=x17 x18 x19 /ORDER=ANALYSIS. Resources Processor Time 00:00:00.02 Elapsed Time 00:00:00.01 Statistics x18. Using the N Internet Banking for x19. I would see handling my myself using the banking Internet Banking for x17.I would use the transactions is handling my Internet Banking for something I would banking my banking needs do transactions Valid Missing Frequency Table 196 196 195 1 1 2 x17.I would use the Internet Banking for my banking needs Frequency Valid Valid Percent Cumulative Percent 1 4 2.0 2.0 2.0 2 23 11.7 11.7 13.8 3 46 23.4 23.5 37.2 4 61 31.0 31.1 68.4 5 62 31.5 31.6 100.0 196 99.5 100.0 1 .5 197 100.0 Total Missing Percent System Total x18. Using the Internet Banking for handling my banking transactions is something I would do Frequency Valid Valid Percent Cumulative Percent 1 5 2.5 2.6 2.6 2 21 10.7 10.7 13.3 3 55 27.9 28.1 41.3 4 62 31.5 31.6 73.0 5 53 26.9 27.0 100.0 196 99.5 100.0 1 .5 197 100.0 Total Missing Percent System Total x19. I would see myself using the Internet Banking for handling my banking transactions Frequency Valid Percent Valid Percent Cumulative Percent 1 10 5.1 5.1 5.1 2 14 7.1 7.2 12.3 3 50 25.4 25.6 37.9 4 55 27.9 28.2 66.2 5 66 33.5 33.8 100.0 195 99.0 100.0 Total Missing System Total 2 1.0 197 100.0 PPLOT /VARIABLES=x1 x2 x3 x4 /NOLOG /NOSTANDARDIZE /TYPE=P-P /FRACTION=BLOM /TIES=MEAN /DIST=NORMAL. PPlot Notes Output Created 18-NOV-2016 14:22:57 Comments Input Data C:\\Users\\english\\Desktop\\spss\\ali.sav Active Dataset DataSet1 Filter Weight Split File N of Rows in Working Data File Missing Value Handling 197 Date Definition of Missing User-defined missing values are treated as missing. Cases Used For a given sequence or time series variable, cases with missing values are not used in the analysis. Cases with negative or zero values are also not used, if the log transform is requested. Syntax PPLOT /VARIABLES=x1 x2 x3 x4 /NOLOG /NOSTANDARDIZE /TYPE=P-P /FRACTION=BLOM /TIES=MEAN /DIST=NORMAL. Resources Use Time Series Settings (TSET) Processor Time 00:00:01.79 Elapsed Time 00:00:01.36 From First observation To Last observation Amount of Output PRINT = DEFAULT Saving New Variables NEWVAR = CURRENT Maximum Number of Lags in Autocorrelation or Partial MXAUTO = 16 Autocorrelation Plots Maximum Number of Lags Per Cross-Correlation Plots MXCROSS = 7 Maximum Number of New Variables Generated Per MXNEWVAR = 60 Procedure Maximum Number of New Cases Per Procedure Treatment of User-Missing Values Confidence Interval Percentage Value Tolerance for Entering Variables in Regression Equations Maximum Iterative Parameter Change Method of Calculating Std. Errors for Autocorrelations Length of Seasonal Period Variable Whose Values Label Observations in Plots Equations Include MXPREDICT = 1000 MISSING = EXCLUDE CIN = 95 TOLER = .0001 CNVERGE = .001 ACFSE = IND Unspecified Unspecified CONSTANT Model Description Model Name Series or Sequence MOD_1 1 x1. using the interner banking services is easy for me 2 x2. I find my interaction with the use of the internet banking services clear and understandable 3 x3. it is easy for me to become skillful at the use of the internet banking services 4 x4. overall, I find the use of the internet banking services easy Transformation None Non-Seasonal Differencing 0 Seasonal Differencing 0 Length of Seasonal Period No periodicity Standardization Not applied Distribution Type Normal Location estimated Scale estimated Fractional Rank Estimation Method Blom's Rank Assigned to Ties Mean rank of tied values Applying the model specifications from MOD_1 Case Processing Summary x2. I find my Series or Sequence Length interaction with the x3. it is easy for me x1. using the use of the internet to become skillful at x4. overall, I find interner banking banking services the use of the the use of the services is easy for clear and internet banking internet banking me understandable services services easy 197 197 197 197 Number of Missing Values in the User-Missing 0 0 0 0 Plot System-Missing 0 0 1 2 The cases are unweighted. Estimated Distribution Parameters x2. I find my Normal Distribution Location Scale interaction with the x3. it is easy for me x1. using the use of the internet to become skillful at x4. overall, I find interner banking banking services the use of the the use of the services is easy for clear and internet banking internet banking me understandable services services easy 3.55 3.47 3.56 3.51 1.222 1.167 1.137 1.228 The cases are unweighted. x1. using the interner banking services is easy for me x2. I find my interaction with the use of the internet banking services clear and understandable x3. it is easy for me to become skillful at the use of the internet banking services x4. overall, I find the use of the internet banking services easy PPLOT /VARIABLES=x5 x6 x7 x8 /NOLOG /NOSTANDARDIZE /TYPE=P-P /FRACTION=BLOM /TIES=MEAN /DIST=NORMAL. PPlot Notes Output Created 18-NOV-2016 14:25:02 Comments Input Data C:\\Users\\english\\Desktop\\spss\\ali.sav Active Dataset DataSet1 Filter Weight Split File N of Rows in Working Data File Missing Value Handling 197 Date Definition of Missing User-defined missing values are treated as missing. Cases Used For a given sequence or time series variable, cases with missing values are not used in the analysis. Cases with negative or zero values are also not used, if the log transform is requested. Syntax PPLOT /VARIABLES=x5 x6 x7 x8 /NOLOG /NOSTANDARDIZE /TYPE=P-P /FRACTION=BLOM /TIES=MEAN /DIST=NORMAL. Resources Use Time Series Settings (TSET) Processor Time 00:00:00.81 Elapsed Time 00:00:00.75 From First observation To Last observation Amount of Output PRINT = DEFAULT Saving New Variables NEWVAR = CURRENT Maximum Number of Lags in Autocorrelation or Partial MXAUTO = 16 Autocorrelation Plots Maximum Number of Lags Per Cross-Correlation Plots Maximum Number of New Variables Generated Per Procedure MXCROSS = 7 MXNEWVAR = 60 Maximum Number of New Cases Per Procedure Treatment of User-Missing Values Confidence Interval Percentage Value Tolerance for Entering Variables in Regression Equations Maximum Iterative Parameter Change Method of Calculating Std. Errors for Autocorrelations Length of Seasonal Period Variable Whose Values Label Observations in Plots Equations Include MXPREDICT = 1000 MISSING = EXCLUDE CIN = 95 TOLER = .0001 CNVERGE = .001 ACFSE = IND Unspecified Unspecified CONSTANT Model Description Model Name Series or Sequence MOD_2 1 x5. using the internet banking would enable me to accomplish my tasks more quickly 2 x6. using the internet banking would make it easier for me to carry out my tasks 3 x7.I would find the internet banking useful 4 x8. overall, I would find using the internet banking to be advantageous Transformation None Non-Seasonal Differencing 0 Seasonal Differencing 0 Length of Seasonal Period No periodicity Standardization Not applied Distribution Type Normal Location estimated Scale estimated Fractional Rank Estimation Method Blom's Rank Assigned to Ties Mean rank of tied values Applying the model specifications from MOD_2 Case Processing Summary x5. using the x6. using the internet banking internet banking would enable me to would make it x7.I would find the find using the accomplish my easier for me to internet banking internet banking to tasks more quickly carry out my tasks useful be advantageous Series or Sequence Length x8. overall, I would 197 197 197 197 Number of Missing Values in the User-Missing 0 0 0 0 Plot System-Missing 1 0 1 3 The cases are unweighted. Estimated Distribution Parameters Normal Distribution Location Scale x5. using the x6. using the internet banking internet banking would enable me to would make it x7.I would find the find using the accomplish my easier for me to internet banking internet banking to tasks more quickly carry out my tasks useful be advantageous x8. overall, I would 3.69 3.81 3.88 3.92 1.227 1.122 1.135 1.053 The cases are unweighted. x5. using the internet banking would enable me to accomplish my tasks more quickly x6. using the internet banking would make it easier for me to carry out my tasks x7.I would find the internet banking useful x8. overall, I would find using the internet banking to be advantageous PPLOT /VARIABLES=x9 x10 x11 x12 /NOLOG /NOSTANDARDIZE /TYPE=P-P /FRACTION=BLOM /TIES=MEAN /DIST=NORMAL. PPlot Notes Output Created 18-NOV-2016 14:25:15 Comments Input Data C:\\Users\\english\\Desktop\\spss\\ali.sav Active Dataset DataSet1 Filter Weight Split File N of Rows in Working Data File Missing Value Handling 197 Date Definition of Missing User-defined missing values are treated as missing. Cases Used For a given sequence or time series variable, cases with missing values are not used in the analysis. Cases with negative or zero values are also not used, if the log transform is requested. Syntax PPLOT /VARIABLES=x9 x10 x11 x12 /NOLOG /NOSTANDARDIZE /TYPE=P-P /FRACTION=BLOM /TIES=MEAN /DIST=NORMAL. Resources Use Time Series Settings (TSET) Processor Time 00:00:00.76 Elapsed Time 00:00:00.77 From First observation To Last observation Amount of Output PRINT = DEFAULT Saving New Variables NEWVAR = CURRENT Maximum Number of Lags in Autocorrelation or Partial MXAUTO = 16 Autocorrelation Plots Maximum Number of Lags Per Cross-Correlation Plots Maximum Number of New Variables Generated Per Procedure MXCROSS = 7 MXNEWVAR = 60 Maximum Number of New Cases Per Procedure Treatment of User-Missing Values Confidence Interval Percentage Value Tolerance for Entering Variables in Regression Equations Maximum Iterative Parameter Change Method of Calculating Std. Errors for Autocorrelations Length of Seasonal Period Variable Whose Values Label Observations in Plots Equations Include MXPREDICT = 1000 MISSING = EXCLUDE CIN = 95 TOLER = .0001 CNVERGE = .001 ACFSE = IND Unspecified Unspecified CONSTANT Model Description Model Name Series or Sequence MOD_3 1 x9. I would feel secure sending sensitive information across the internet banking 2 x10. The Internet Banking is a secure means through which to send sensitive information 3 x11. I would feel totally safe providing sensitive information about myself over the Internet Banking 4 x12. Overall, the Internet Banking is a safe place to transmit sensitive information Transformation None Non-Seasonal Differencing 0 Seasonal Differencing 0 Length of Seasonal Period No periodicity Standardization Not applied Distribution Type Normal Location estimated Scale estimated Fractional Rank Estimation Method Blom's Rank Assigned to Ties Mean rank of tied values Applying the model specifications from MOD_3 Case Processing Summary x10. The Internet x11. I would feel x9. I would feel Banking is a secure totally safe x12. Overall, the secure sending means through providing sensitive Internet Banking is sensitive which to send information about a safe place to information across sensitive myself over the transmit sensitive the internet banking information Internet Banking information Series or Sequence Length 197 197 197 197 Number of Missing Values in the User-Missing 0 0 0 0 Plot System-Missing 2 1 0 1 The cases are unweighted. Estimated Distribution Parameters Normal Distribution Location Scale x10. The Internet x11. I would feel x9. I would feel Banking is a secure totally safe x12. Overall, the secure sending means through providing sensitive Internet Banking is sensitive which to send information about a safe place to information across sensitive myself over the transmit sensitive the internet banking information Internet Banking information 3.10 3.01 2.90 2.78 1.098 1.144 1.266 1.122 The cases are unweighted. x9. I would feel secure sending sensitive information across the internet banking x10. The Internet Banking is a secure means through which to send sensitive information x11. I would feel totally safe providing sensitive information about myself over the Internet Banking x12. Overall, the Internet Banking is a safe place to transmit sensitive information PPLOT /VARIABLES=x13 x14 x15 x16 /NOLOG /NOSTANDARDIZE /TYPE=P-P /FRACTION=BLOM /TIES=MEAN /DIST=NORMAL. PPlot Notes Output Created 18-NOV-2016 14:25:42 Comments Input Data C:\\Users\\english\\Desktop\\spss\\ali.sav Active Dataset DataSet1 Filter Weight Split File N of Rows in Working Data File Missing Value Handling 197 Date Definition of Missing User-defined missing values are treated as missing. Cases Used For a given sequence or time series variable, cases with missing values are not used in the analysis. Cases with negative or zero values are also not used, if the log transform is requested. Syntax PPLOT /VARIABLES=x13 x14 x15 x16 /NOLOG /NOSTANDARDIZE /TYPE=P-P /FRACTION=BLOM /TIES=MEAN /DIST=NORMAL. Resources Use Time Series Settings (TSET) Processor Time 00:00:00.76 Elapsed Time 00:00:00.79 From First observation To Last observation Amount of Output PRINT = DEFAULT Saving New Variables NEWVAR = CURRENT Maximum Number of Lags in Autocorrelation or Partial MXAUTO = 16 Autocorrelation Plots Maximum Number of Lags Per Cross-Correlation Plots Maximum Number of New Variables Generated Per Procedure MXCROSS = 7 MXNEWVAR = 60 Maximum Number of New Cases Per Procedure Treatment of User-Missing Values Confidence Interval Percentage Value Tolerance for Entering Variables in Regression Equations Maximum Iterative Parameter Change Method of Calculating Std. Errors for Autocorrelations Length of Seasonal Period Variable Whose Values Label Observations in Plots Equations Include MXPREDICT = 1000 MISSING = EXCLUDE CIN = 95 TOLER = .0001 CNVERGE = .001 ACFSE = IND Unspecified Unspecified CONSTANT Model Description Model Name Series or Sequence MOD_4 1 x13. Using Internet Banking is a good idea 2 x14. I would feel that using Internet Banking is pleasant 3 x15. In my opinion, it would be desirable to use Internet Banking 4 x16. In my view, using Internet Banking is a wise idea Transformation None Non-Seasonal Differencing 0 Seasonal Differencing 0 Length of Seasonal Period No periodicity Standardization Not applied Distribution Type Normal Location estimated Scale estimated Fractional Rank Estimation Method Blom's Rank Assigned to Ties Mean rank of tied values Applying the model specifications from MOD_4 Case Processing Summary x15. In my opinion, x16. In my view, x13. Using Internet x14. I would feel it would be using Internet Banking is a good that using Internet desirable to use Banking is a wise idea Banking is pleasant Internet Banking idea Series or Sequence Length 197 197 197 197 Number of Missing Values in the User-Missing 0 0 0 0 Plot System-Missing 1 0 1 0 The cases are unweighted. Estimated Distribution Parameters Normal Distribution Location Scale x15. In my opinion, x16. In my view, x13. Using Internet x14. I would feel it would be using Internet Banking is a good that using Internet desirable to use Banking is a wise idea Banking is pleasant Internet Banking idea 3.64 3.52 3.53 3.62 1.093 1.154 1.