4.3.1 The difference by living area
To analyse the difference of the trust of customers on the use mobile baking (TRUOVER), research conducted analysis of variance. The analytical results show that, the Levene Statistic has statistical significance levels by 0.001 (Sig.=.001) and Anova Sig.= 0.035. It can be concluded that there is no difference between customers living in center and suburban area for mobile banking services.
Table IV.11 Analysis of difference by living area
N Mean
Std.
Deviation
Std.
Error
95% Confidence Interval
for Mean Minimum Maximum
Lower Bound
Upper
Bound
Suburban 208 .087377 .8527610 .0591283 -.029194 .203948 -2.6772 1.9498 Center 509 -.035706 1.0529602 .0466716 -.127399 .055987 -2.6772 1.9498 Total 717 .000000 1.0000000 .0373457 -.073320 .073320 -2.6772 1.9498
Test of Homogeneity of Variances
Levene Statistic df1 df2 Sig.
10.982 1 715 .001
ANOVA
Sum of
Squares df Mean Square F Sig.
Between Groups 2.237 1 2.237 2.241 .035
Within Groups 713.763 715 .998
Total 716.000 716
4.3.2 The difference by gender
Results of variance analysis showed that Levene Statistic has significant level is 0.020 (Sig. =0.020). This shows that the variance of customer's trust for mobile banking services between men and women is different at 5%. This allows to conclude that there were not sufficient basic to confirm a difference by gender for the use of the services.
Table IV.12 Analysis of difference by gender
N
Mean
Std.
Deviation
Std. Error
95% Confidence Interval
for Mean Minimum Maximum Lower
Bound
Upper
Bound
Female 373 .028787 1.0694583 .0553745 -.080099 .137674 -2.6772 1.9498 Male 344 -.031214 .9193166 .0495662 -.128706 .066278 -2.6772 1.9498 Total 717 .000000 1.0000000 .0373457 -.073320 .073320 -2.6772 1.9498
Test of Homogeneity of Variances Levene
Statistic df1 df2 Sig.
5.442 1 715 .020
ANOVA
Sum of
Squares df Mean Square F Sig.
Between Groups .644 1 .644 .644 .423
Within Groups 715.356 715 1.000
Total 716.000 716
4.3.3 The difference by age
The results of analysis of variance shows Levene Statistic indicators are significant level of 0.425 (Sig.=.425), Sig. value of .838 by ANOVA (Sig. = .838).
This allows the conclusion that was not enough basis to evaluate the difference between the group of age on the use of services.
Table IV.13 Analysis of difference by age
N Mean
Std.
Deviation
Std.
Error
95% Confidence Interval for Mean
Minimum Maximum Lower
Bound
Upper Bound
Less than 25 255 -.024630 .9933789 .0622078 -.147139 .097879 -2.6772 1.9498 From 25-35 291 -.019999 1.0500922 .0615575 -.141155 .101157 -2.6772 1.9498 From 35-45 116 .064454 .9552336 .0886912 -.111227 .240134 -2.6772 1.9498 From 45-55 28 .156559 .7542012 .1425306 -.135890 .449008 -.7644 1.9498 Over 55 27 .008893 .9575111 .1842731 -.369886 .387672 -2.2791 1.9498 Total 717 .000000 1.0000000 .0373457 -.073320 .073320 -2.6772 1.9498
Test of Homogeneity of Variances Levene
Statistic df1 df2 Sig.
.966 4 712 .425
ANOVA
Sum of Squares df Mean Square F Sig.
Between Groups 1.441 4 .360 .359 .838
Within Groups 714.559 712 1.004
Total 716.000 716
Multiple Comparisons Dependent Variable: TRUOVER
Dunnett t (2-sided)
(I) AGECODE (J) AGECODE
Mean Difference
(I-J) Std. Error Sig.
95% Confidence Interval Lower Bound Upper Bound Less than 25 Over 55 -.033523 .2027456 .998 -.505727 .438681 From 25 to 35 Over 55 -.028892 .2015413 .999 -.498291 .440507 From 35 to 45 Over 55 .055561 .2140603 .989 -.442996 .554117 From 45 to 55 Over 55 .147666 .2702087 .886 -.481662 .776995 a Dunnett t-tests treat one group as a control, and compare all other groups against it.
4.3.4 The difference by education
The results of analysis of variance shows Levene Statistic indicators are significant level of 0.106 (Sig.=.106), Sig. value of .334 by ANOVA (Sig. = .334).
This allows the conclusion that was not enough basis to evaluate the difference between the level of education on the use mobile banking services.
Table IV.14 Analysis of difference by education
Test of Homogeneity of Variances Levene
Statistic df1 df2 Sig.
1.918 4 710 .106
ANOVA
Sum of Squares df Mean Square F Sig.
Between Groups 4.592 4 1.148 1.146 .334
Within Groups 711.407 710 1.002
Total 716.000 714
Multiple Comparisons Dependent Variable: TRUOVER
Dunnett t (2-sided)
(I) EDU (J) EDU Mean
Difference (I-J)
Std. Error Sig. 95% Confidence Interval Lower Bound Upper Bound Secondary Graduated .330910 .2450839 .471 -.270092 .931912 High School Graduated -.110566 .1744304 .923 -.538309 .317178
College Graduated .178365 .2077247 .809 -.331023 .687754
University Graduated -.026882 .1281655 .999 -.341173 .287409 a Dunnett t-tests treat one group as a control, and compare all other groups against it.
4.3.5 The difference by occupation
The results of analysis of variance shows Levene Statistic indicators are significant level of 0.644 (Sig.=.644), Sig. value of .440 by ANOVA (Sig. = .440).
This allows the conclusion that was not enough basis to evaluate the difference between the type of occupation on the use mobile banking services.
Table IV.15 Analysis of difference by occupation Test of Homogeneity of Variances
Levene Statistic df1 df2 Sig.
.672 5 711 .644
ANOVA
Sum of Squares df Mean Square F Sig.
Between Groups 4.810 5 .962 .962 .440
Within Groups 711.190 711 1.000
Total 716.000 716
Multiple Comparisons Dependent Variable: TRUOVER
Dunnett t (2-sided)
(I) OCCU (J) OCCU
Mean Difference
(I-J) Std. Error Sig.
95% Confidence Interval Lower Bound Upper Bound Business or Self-
Employed Retirement .140798 .2028457 .873 -.351725 .633320 Officer or state area Retirement .070410 .2016707 .990 -.419260 .560079 Unemployer Retirement .194030 .2653095 .852 -.450159 .838218 Pupil or Student Retirement .060883 .2123996 .996 -.454837 .576603 Housewife Retirement .565417 .3155370 .204 -.200728 1.331561 a Dunnett t-tests treat one group as a control, and compare all other groups against it.
4.3.6 The difference by income
The results of analysis of variance shows Levene Statistic indicators are significant level of 0.261 (Sig.=.261), Sig. value of 0.937 by ANOVA (Sig. = .937).
This allows the conclusion that was not enough basis to evaluate the difference between the level of income on the use mobile banking services.
Table IV.16 Analysis of difference by income
Test of Homogeneity of Variances Levene
Statistic df1 df2 Sig.
1.321 4 602 .261
ANOVA
Sum of Squares df Mean Square F Sig.
Between Groups .819 4 .205 .203 .937
Within Groups 608.047 602 1.010
Total 608.866 606
Multiple Comparisons Dependent Variable: TRUOVER
Dunnett t (2-sided)
(I) INCOME
(J) INCOME
Mean Difference
(I-J)
Std. Error
Sig.
95% Confidence Interval Lower Bound
Upper Bound Less than 5 Million Over 20 Million .020159 .1804416 1.000 -.406500 .446817 From 5 to 10
Million
Over 20 Million
.045547 .1772128 .993 -.373477 .464571 From 10 - 15
Million
Over 20 Million -.031060 .1944732 .999 -.490897 .428777
From 15 - 20 Million
Over 20 Million
-.086663 .2352771 .975 -.642981 .469656
a Dunnett t-tests treat one group as a control, and compare all other groups against it.
In summary, from the test results to determine the difference in the use of mobile banking services by the social and demographics characteristics of customers in Hanoi showed that there is not enough evident to evaluate the difference in the use of mobile banking services by living area, gender, age, education, occupation, and income.