Các yếu tố ảnh hưởng đến ý định sử dụng thẻ tín dụng tại các ngân hàng thương mại Việt Nam tại Hà Nội

Mô hình nghiên cứu sử dụng lý thuyết TPB, TAM và TRA Dữ liệu khảo sát đáng tin cậy dựa trên kinh nghiệm nghiên cứu lâu năm của chúng tôi. Có kết quả nghiêm cứu và bộ số liệu cho bạn thực hành.

1 MODEL: INTENTION TO USE CREDIT CARD (có data khảo sát) QUESTIONAIRE First of all, I would like to thank you for your consideration to complete this questionnaire Your provided information is highly useful for me to have full understanding of factors of intention to use credit cards at Vietnam commercial banks in Hanoi, which mostly helps to give productive recommendations to enhance service quality of credit cards at Vietnam commercial banks in general SECTION A: GENERAL INFORMATION Please indicate your choice by marking the appropriate block with an (X) Age:  < 25  26-35  36-45  > 45 Sex:  Male  Female Education:  High school  College and university  Post-graduate  Others Occupation:  Self-employed  Staff of small private companies  Public or civil servants  Unemployed  Staff of international companies  Others Time of using credit card services:  < years  5-8 years  > years SECTION B: SURVEY QUESTIONAIRE Please rate your agreement level (from to 5) of these following factors by circle (), in which Level represents Totally disagree, Level – Disagree, Level – Neutral, Level – Agree, Level – Totally agree No I II III Mức độ Statements Level QUALITY (QUA) I can access Vietnam commercial banks’ websites to find out necessary information on credit card services I feel that I am enthusiastically served by banking employees at any commercial banks in Vietnam The information system at Vietnam commercial banks is organized so well that it can conduct any banking transactions with just a few minor errors PERCEIVED EASE OF USE (PEU) I feel that credit card services provided by Vietnam commercial banks are easy to use Learning to procedures and regulations when using credit card services provided by Vietnam commercial banks is easy for me The tutorial of how to register and use credit card services is clear and understandable at Vietnam commercial banks PERCEIVED USEFULNESS (PU) Using credit card services helps me get better service at Vietnam commercial banks I find that credit card services improve my experience on banking transactions I find it easier and more convenient to use credit card services than making payment by cash or other payment kinds 5 5 5 5 5 IV Using credit card services saves my time ATTITUDES TOWARDS USING (ATU) I have a generally favourable attitude towards using credit card services at Vietnam commercial banks V Overall, I enjoyed using credit card services INTENTION TO USE (ITU) I intend to continue using credit card services at Vietnam commercial banks 5 Using credit card services is a pleasant experience for me I feel that using credit card services is a wise choice 5 5 No Mức độ Statements It is likely that I will use credit card services at Vietnam commercial banks in the future When I have to make payment at restaurants or supermarkets, etc., I prefer using credit cards Level 5 SECTION C: ADDITIONAL QUESTION Please give some recommendations to improve credit card services at Vietnam commercial banks …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… …………………………………………………………………………………………… THANK YOU FOR FULFILLING THIS QUESTIONAIRE! KẾT QUẢ CHẠY SPSS THÔNG TIN MẪU KHẢO SÁT Age Percent Frequency Valid Valid Percent < 25 26-35 36-45 > 45 19 40 85 45 10,1 21,1 45,0 23,8 10,1 21,1 45,0 23,8 Total 189 100,0 100,0 Cumulative Percent 10,1 31,2 76,2 100,0 Education Frequency Percent Valid High school College and university Post-graduate Others Total Valid Percent 27 81 45 36 14,3 42,9 23,8 19,0 14,3 42,9 23,8 19,0 189 100,0 100,0 Occupation Frequency Percent Valid Self-employed Staff of small private companies Public or civil servants Unemployed Staff of international companies Others Total 24 12,7 12,7 Cumulative Percent 12,7 48 25,3 25,3 38,0 57 16 30,2 8,5 30,2 8,5 68,2 76,7 33 17,5 17,5 94,2 11 5,8 5,8 100,0 189 100,0 100,0 Time of using credit card services Frequency Percent Valid Percent Valid < years 5-8 years > years Total Cumulative Percent 14,3 57,1 81,0 100,0 46 92 51 24,3 48,7 27,0 24,3 48,7 27,0 189 100,0 100,0 Valid Percent Cumulative Percent 24,3 73,0 100,0 TRUNG BÌNH CÁC BIẾN N QUA1 QUA2 QUA3 Valid N (listwise) 189 189 189 189 N PEU1 PEU2 PEU3 Valid N (listwise) 189 189 189 189 N PU1 PU2 PU3 PU4 Valid N (listwise) 189 189 189 189 189 N ATU1 ATU2 ATU3 ATU4 Valid N (listwise) 189 189 189 189 189 N ITU1 ITU2 ITU3 Valid N (listwise) 189 189 189 189 Descriptive Statistics Minimum Maximum 5 Mean 3,58 2,89 2,88 Std Deviation ,628 ,644 ,608 Descriptive Statistics Minimum Maximum 5 Mean 3,71 3,58 3,75 Std Deviation ,709 ,708 ,721 Descriptive Statistics Minimum Maximum 5 5 Mean 3,54 4,08 3,15 3,73 Std Deviation ,631 ,647 ,630 ,665 Descriptive Statistics Minimum Maximum 5 5 Mean 3,52 3,39 3,50 3,42 Std Deviation ,949 ,187 ,719 ,984 Descriptive Statistics Minimum Maximum 5 Mean 3,52 3,35 2,70 Std Deviation ,860 ,733 ,706 EFA Lần KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy Approx Chi-Square Bartlett's Test of Sphericity df Sig Component ,690 861,834 91 ,000 Total Variance Explained Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Cumulative Total % of Cumulative Variance % Variance % 2,829 20,209 20,209 2,829 20,209 20,209 2,396 17,111 37,320 2,396 17,111 37,320 2,138 15,271 52,591 2,138 15,271 52,591 1,867 13,337 65,928 1,867 13,337 65,928 ,863 6,161 72,089 ,639 4,567 76,656 ,558 3,982 80,638 ,534 3,815 84,453 ,469 3,351 87,804 10 ,434 3,097 90,901 11 ,379 2,705 93,606 12 ,336 2,401 96,007 13 ,308 2,201 98,208 14 ,251 1,792 100,000 Extraction Method: Principal Component Analysis Rotated Component Matrixa Component ,810 ,798 ,796 ,782 -,469 ,337 ,846 ,824 ,810 ATU4 ATU3 ATU2 ATU1 PU4 PU2 PU3 PU1 PEU3 ,868 PEU1 ,852 PEU2 ,785 QUA2 QUA3 QUA1 Extraction Method: Principal Component Analysis Rotation Method: Varimax with Kaiser Normalization ,847 ,828 ,759 Rotation Sums of Squared Loadings Total % of Cumulative Variance % 2,807 20,052 20,052 2,187 15,623 35,675 2,153 15,378 51,053 2,083 14,875 65,928 a Rotation converged in iterations Loại PU4 Lần KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy Approx Chi-Square Bartlett's Test of Sphericity df Sig Component ,679 815,989 78 ,000 Total Variance Explained Extraction Sums of Squared Loadings Cumulative Total % of Cumulative % Variance % 20,468 2,661 20,468 20,468 38,844 2,389 18,376 38,844 55,135 2,118 16,291 55,135 69,030 1,806 13,894 69,030 74,361 Initial Eigenvalues Total 2,661 2,389 2,118 1,806 ,693 % of Variance 20,468 18,376 16,291 13,894 5,331 ,582 4,478 78,839 ,549 4,223 83,062 ,470 3,618 86,680 ,437 3,364 90,044 10 ,395 3,040 93,085 11 ,338 2,602 95,686 12 ,308 2,372 98,058 13 ,252 1,942 100,000 Extraction Method: Principal Component Analysis Rotated Component Matrixa Component ,824 ,808 ,795 ,792 ,868 ,853 ,787 ATU4 ATU2 ATU3 ATU1 PEU3 PEU1 PEU2 PU2 ,858 PU3 ,836 PU1 ,810 QUA2 QUA3 QUA1 Extraction Method: Principal Component Analysis Rotation Method: Varimax with Kaiser Normalization a Rotation converged in iterations KMO and Bartlett's Test ,841 ,821 ,781 Rotation Sums of Squared Loadings Total % of Cumulative Variance % 2,646 20,355 20,355 2,150 16,535 36,890 2,119 16,301 53,191 2,059 15,839 69,030 Kaiser-Meyer-Olkin Measure of Sampling Adequacy Approx Chi-Square Bartlett's Test of Sphericity df Sig ,658 155,755 ,000 Communalities Initial Extraction ITU1 1,000 ,778 ITU2 1,000 ,644 ITU3 1,000 ,630 Extraction Method: Principal Component Analysis Total Variance Explained Component Initial Eigenvalues Extraction Sums of Squared Loadings Total % of Variance Cumulative % Total % of Variance Cumulative % 2,052 68,405 68,405 2,052 68,405 68,405 ,590 19,674 88,079 ,358 11,921 100,000 Extraction Method: Principal Component Analysis Component Matrixa Component ITU1 ,882 ITU2 ,803 ITU3 ,794 Extraction Method: Principal Component Analysis a components extracted CRONBACH ALPHA Reliability Statistics Cronbach's Alpha N of Items ,754 QUA1 QUA2 QUA3 Scale Mean if Item Deleted 5,7778 6,4603 6,4709 Item-Total Statistics Scale Variance if Corrected Item- Cronbach's Alpha Item Deleted Total Correlation if Item Deleted 1,248 ,517 ,744 1,111 ,621 ,626 1,187 ,614 ,637 Reliability Statistics Cronbach's Alpha N of Items ,789 10 PEU1 PEU2 PEU3 Scale Mean if Item Deleted 7,3228 7,4603 7,2910 Item-Total Statistics Scale Variance if Corrected Item- Cronbach's Alpha Item Deleted Total Correlation if Item Deleted 1,550 ,659 ,682 1,675 ,568 ,778 1,516 ,665 ,676 Reliability Statistics Cronbach's Alpha N of Items ,787 PU1 PU2 PU3 Scale Mean if Item Deleted 7,2381 6,6984 7,6296 Item-Total Statistics Scale Variance if Corrected Item- Cronbach's Alpha Item Deleted Total Correlation if Item Deleted 1,299 ,595 ,746 1,222 ,638 ,700 1,245 ,649 ,688 Reliability Statistics Cronbach's Alpha N of Items ,810 ATU1 ATU2 ATU3 ATU4 Scale Mean if Item Deleted 10,3122 10,4497 10,3333 10,4127 Item-Total Statistics Scale Variance if Corrected Item- Cronbach's Alpha Item Deleted Total Correlation if Item Deleted 5,812 ,645 ,753 4,887 ,641 ,768 6,798 ,625 ,777 5,616 ,659 ,745 Reliability Statistics Cronbach's Alpha N of Items ,768 ITU1 ITU2 ITU3 Scale Mean if Item Deleted 6,0476 6,2169 6,8677 Item-Total Statistics Scale Variance if Corrected Item- Cronbach's Alpha Item Deleted Total Correlation if Item Deleted 1,460 ,692 ,581 1,937 ,572 ,720 2,020 ,559 ,735 TƯƠNG QUAN Correlations QUA PEU PU ATU ITU 11 Pearson Correlation QUA PEU PU ATU ITU Sig (2-tailed) N Pearson Correlation Sig (2-tailed) N Pearson Correlation Sig (2-tailed) N Pearson Correlation Sig (2-tailed) N Pearson Correlation Sig (2-tailed) ,059 -,122 ,011 ,449** ,421 ,094 ,879 ,000 189 189 -,005 ,950 189 189 -,046 ,533 189 ,009 ,904 189 189 ,424** ,000 189 ,293** ,000 189 ,256** ,000 189 189 ,059 ,421 189 -,122 ,094 189 ,011 ,879 189 ,449** 189 -,005 ,950 189 -,046 ,533 189 ,424** 189 ,009 ,904 189 ,293** 189 ,256** ,000 ,000 ,000 ,000 189 189 189 N 189 ** Correlation is significant at the 0.01 level (2-tailed) 189 HỒI QUY Model R R Square Model Summaryb Adjusted R Square ,744a ,554 a Predictors: (Constant), ATU, PU, PEU, QUA b Dependent Variable: ITU Model Sum of Squares 42,148 Regression Std Error of the Estimate ,42923 ,545 ANOVAa df Durbin-Watson 1,398 Mean Square 10,537 ,184 Residual 33,899 184 Total 76,047 188 F 57,193 Sig ,000b a Dependent Variable: ITU b Predictors: (Constant), ATU, PU, PEU, QUA Coefficientsa Unstandardized Coefficients Standardized Coefficients B Std Error Beta Model (Constant) QUA PEU PU ATU a Dependent Variable: ITU -2,473 ,383 ,576 ,437 ,418 ,218 ,062 ,053 ,059 ,040 Minimum Residuals Statisticsa Maximum Mean ,465 ,411 ,350 ,267 t Sig Collinearity Statistics Tolerance -6,463 ,000 9,359 8,323 7,052 5,411 ,000 ,000 ,000 ,000 Std Deviation N ,981 ,994 ,985 ,998 VIF 1,019 1,006 1,015 1,002 12 Predicted Value Residual Std Predicted Value Std Residual a Dependent Variable: ITU 1,8345 -1,44338 -2,860 -3,363 4,1100 1,23246 1,946 2,871 3,1887 ,00000 ,000 ,000 ,47349 ,42464 1,000 ,989 189 189 189 189 DATA KHẢO SÁT SỐ LIỆU 189 mẫu Hướng dẫn sử dụng: - Bảng data mã hóa - Quý khách copy số liệu vào SPSS EXCEL để chạy - Data khảo sát cho mơ hình + bảng câu hỏi + kết mục Mọi việc tự chỉnh sửa lại data mà chạy không kết chúng tơi khơng chịu trách nhiệm - Trong q trình sử dụng data có lỗi / muốn sửa data cho phù hợp với nhu cầu xin vui lòng liên hệ: + SĐT/Zalo: 0933114547 + email: hotrosolieu@gmail.com + FB: https://www.facebook.com/dichvuluanvan22/ No Ag e Se x Educatio n Occupatio n Tim e QUA QUA QUA PEU PEU PEU PU PU PU PU ATU1 ATU2 ATU3 ATU4 ITU ITU ITU 1 1 1 2 3 4 4 3 1 3 3 4 4 5 3 3 2 1 3 4 3 3 2 2 3 3 5 2 3 2 4 4 4 5 3 3 2 4 4 4 2 3 3 2 3 3 4 5 3 3 2 3 4 5 4 3 2 2 4 5 5 3 10 2 4 4 4 5 3 11 2 4 4 5 3 4 12 3 4 4 4 3 3 13 2 2 4 5 5 5 4 14 3 5 4 2 2 15 2 2 3 4 4 4 2 3 16 2 2 3 3 4 3 3 17 2 1 3 3 4 5 5 3 4 18 1 2 3 4 4 3 3 3 19 2 1 2 3 4 4 4 3 2 13 20 2 2 3 4 4 3 3 21 2 3 3 3 4 2 2 22 2 3 3 5 3 2 3 23 2 3 4 4 2 3 24 2 3 3 3 3 2 2 2 25 3 3 4 2 2 3 26 3 4 2 3 2 2 27 3 2 3 2 2 2 28 3 4 4 2 2 3 29 3 3 3 2 2 2 30 3 2 4 3 3 2 2 31 3 3 5 4 2 2 5 32 3 3 3 4 3 4 3 4 33 1 3 3 3 4 5 4 34 4 5 4 3 5 35 2 3 4 4 3 4 36 2 3 3 3 4 3 3 37 2 3 2 4 4 2 4 2 38 2 3 3 2 3 4 3 39 3 3 2 4 3 4 2 2 4 40 3 4 3 4 41 3 4 4 4 4 42 3 4 4 3 2 4 43 1 4 4 4 2 4 44 1 4 4 4 4 2 2 4 45 2 3 4 3 5 4 46 3 3 3 4 4 47 4 3 4 4 2 2 4 48 2 3 3 3 4 2 4 49 2 1 3 3 3 5 4 2 50 2 3 2 3 3 4 2 51 2 1 2 3 3 4 2 52 3 3 4 4 4 4 53 3 3 3 4 3 2 4 54 3 3 3 4 3 2 4 55 3 3 4 3 4 56 3 3 4 3 5 4 4 57 4 4 4 5 3 58 5 5 4 3 59 2 3 4 5 4 4 14 60 1 4 4 4 3 5 4 4 61 2 3 4 4 5 4 4 62 3 2 4 4 4 4 4 63 3 2 3 4 5 4 4 3 64 2 2 3 4 5 4 2 65 2 1 3 4 5 4 4 66 2 2 3 4 4 4 5 4 3 67 2 2 2 3 4 4 2 68 2 3 1 4 3 2 4 69 3 2 4 2 2 70 3 2 3 4 2 2 71 3 3 4 4 4 3 4 72 3 4 4 4 4 73 3 4 4 4 3 4 4 74 4 4 3 3 4 75 4 3 3 4 5 4 3 76 3 4 3 4 3 77 4 2 3 4 3 5 4 2 78 2 4 3 4 2 2 79 2 2 4 3 4 4 3 80 2 2 2 3 4 4 3 81 3 4 4 4 4 4 82 4 3 4 4 4 4 4 83 2 3 4 3 4 2 84 2 2 4 3 3 4 3 85 1 1 3 4 4 3 4 3 86 1 2 3 5 4 3 3 4 87 2 1 3 3 3 4 4 2 88 2 3 3 4 3 4 2 89 4 3 4 5 4 4 90 2 3 3 4 4 4 3 91 2 3 2 3 4 5 4 92 2 3 4 5 2 93 2 3 5 4 94 4 4 4 4 4 4 95 3 4 4 5 96 1 3 3 3 4 4 2 97 4 3 3 3 5 4 3 98 4 4 4 4 4 4 99 2 3 4 4 4 4 4 15 100 2 3 4 4 4 101 2 3 3 4 4 4 3 102 1 2 3 3 5 4 3 103 2 3 4 3 4 104 3 2 5 4 4 3 4 4 4 105 3 4 5 4 3 4 106 3 3 3 4 3 4 107 3 3 5 4 5 4 4 108 2 4 4 4 3 4 109 3 4 3 4 4 4 4 110 4 4 3 4 3 4 4 111 3 4 4 4 5 4 3 112 4 3 4 4 4 3 113 3 3 4 4 4 114 3 3 4 3 4 3 115 3 2 2 4 4 4 116 3 3 4 4 4 4 3 117 4 3 5 4 3 3 4 3 118 3 4 3 4 4 3 119 3 4 4 4 3 3 120 2 4 3 4 4 3 4 4 121 2 3 2 3 3 4 4 3 122 2 2 3 3 4 3 3 123 2 3 4 3 3 3 124 2 2 4 4 3 4 125 2 2 3 3 3 126 3 4 4 3 3 127 1 2 3 4 4 3 3 128 1 3 2 3 4 4 3 129 2 3 2 3 4 3 3 3 130 3 3 4 3 5 4 3 131 4 3 2 3 4 5 132 2 4 4 4 4 4 4 4 133 2 4 3 4 4 4 4 134 2 3 4 4 4 4 4 135 2 3 4 4 4 5 136 4 3 4 4 4 4 4 137 3 3 4 4 4 3 3 4 138 4 3 4 4 4 4 4 4 139 4 3 2 3 5 4 4 3 16 140 1 1 3 4 4 3 4 141 2 3 4 4 4 4 4 142 1 1 2 4 3 3 3 3 143 1 1 4 3 3 3 5 4 4 144 1 3 3 3 4 4 4 3 145 2 1 3 4 3 3 3 3 146 2 3 5 3 4 147 2 3 4 3 3 5 3 148 2 3 3 3 3 4 4 3 149 2 3 3 4 3 4 3 150 2 3 4 3 4 4 3 151 2 3 5 5 4 4 4 152 2 4 4 4 4 4 4 153 2 3 4 4 4 4 4 154 2 3 5 4 3 5 5 4 155 2 2 5 5 4 4 4 156 2 3 4 4 3 4 4 157 3 3 4 3 4 4 158 3 3 3 4 3 5 3 159 1 3 3 4 5 4 5 5 4 160 3 4 4 3 4 4 161 1 3 4 4 3 4 4 162 2 2 3 3 3 3 5 5 163 2 3 4 4 3 4 4 3 164 2 3 3 5 3 5 3 165 2 3 5 3 4 4 166 2 3 3 4 3 3 4 3 167 3 4 3 3 4 3 3 3 168 3 4 3 3 2 3 4 169 1 3 2 3 3 4 3 3 170 1 3 4 4 3 4 4 171 4 3 4 3 4 4 3 172 3 3 2 4 3 4 3 173 4 3 4 4 3 5 174 2 3 3 5 3 4 4 4 175 2 3 3 4 3 5 4 176 2 3 3 3 3 3 177 2 1 3 3 4 3 4 4 3 178 3 3 4 3 4 4 179 3 3 2 4 3 4 3 17 180 3 3 3 4 3 4 3 181 3 2 4 4 3 4 4 3 182 3 4 3 3 4 3 183 4 4 4 4 4 4 4 184 4 4 4 3 3 4 185 4 4 3 4 4 186 1 4 3 3 3 4 4 187 2 4 3 3 3 4 3 188 3 3 4 3 4 4 189 3 3 4 4 3 4 4 ... LIỆU 189 mẫu Hướng dẫn sử dụng: - Bảng data mã hóa - Quý khách copy số liệu vào SPSS EXCEL để chạy - Data khảo sát cho mơ hình + bảng câu hỏi + kết mục Mọi việc tự chỉnh sửa lại data mà chạy không... chỉnh sửa lại data mà chạy không kết chúng tơi khơng chịu trách nhiệm - Trong q trình sử dụng data có lỗi / muốn sửa data cho phù hợp với nhu cầu xin vui lòng liên hệ: + SĐT/Zalo: 0933114547 + email:... services is clear and understandable at Vietnam commercial banks PERCEIVED USEFULNESS (PU) Using credit card services helps me get better service at Vietnam commercial banks I find that credit card