account by visiting branch,64.5% people use online banking for bank transfer,53.5% use onlinebanking for investments and savings,58.5% people do shopping using online shopping,85% doinsurance by visiting branch,40.5% people take loans and mortgages using online banking,70%people visit branch to contact the bank advisor. 16. Degree of trustworthiness from the service via internet banking comparatively to service viareal banking.Discussion of Hypothesis testing H0: There exists no significant difference in the mean perception of banking customer towards ‘Trustworthy’ factor of Internet Banking and Real Banking. H1: There exist a significant difference in the mean perception of Internet Banking customersand real banking customers.One-Sample TestTest Value = 0 tdfSig. (2-tailed)Mean Difference95% Confidence Interval of theDifferenceLowerUpperDegree of trustworthiness from the service via internet banking comparatively to service via real banking.91.355199.0003.955003.86964.0404ANALYSIS AND INTERPRETATION-The level of significance taken here is 0.05%. On analysis it is found that sig. value is0.000.Since sig. value is less than level of significance taken here, we reject the null hypothesisthat there exists no significant difference in the mean perception of banking customer towards‘Trustworthy’ factor of Internet Banking and Real Banking.17. Rank (1 2 3 4 5 6 7) to the following reasons due to which net banking is not properly used.27
Test StatisticsaN200Chi-Square229.126df6Asymp. Sig..000a. Friedman TestRanksMean RankNet banking web pages are confusing.4.33 5Use of computer or internet is difficult.4.66 6Neither friends nor relatives use internet.3.72 3Net banking facility is not secured3.10 2 It is more expensive than going to a branch.5.54 7Net banking offers no receipts on payments.2.79 1Net banking is not reliable. 3.88 4ANALYSIS AND INTERPRETATION-Scores are significantly different on The Friedman two way Anova test since Sig. value is less than level of significance-0.05.The net banking offers no receipts on payments was ranked 1 that is the most important reason while it is more expensive than going to a branch was given the last rank that is 7.It can be concluded that the majority of the respondents regarded that the most important reason for which Net Banking service is not being used popularly was that it does not offer receipts on payments.18. Indicate the degree of agreement with the following statements using a 5 point scale.(1=strongly disagree,5=strongly agree).Convenience Safety Functionality Necessity Language Physical AccessTransaction costs Service SafetyKMO and Bartlett's TestKaiser-Meyer-Olkin Measure of Sampling Adequacy..775Bartlett's Test of SphericityApprox. Chi-Square735.461Df45Sig..000ANALYSIS AND INTERPRETATION-Normally,0<KMO<1 . If KMO>0.5, the sample is adequate.28
Here, KMO=0.775 which indicates that the sample is adequate and we may proceed to factor analysis.
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- Winter '20
- The Land, HDFC Bank