Analyzing the digital divide among the demographics in the State of Telangana with reference to adoption of Digital Banking services.

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John Paul M This is a preprint; it has not been peer reviewed by a journal. https://doi.org/ 10.21203/rs.3.rs-2404748/v1 This work is licensed under a CC BY 4.0 License Status: Posted Version 1 posted You are reading this latest preprint version Abstract The digitalisation of banking services is certainly a positive note that reduces the fatigue of the customers by operating their transactions through their mobile gadgets and other electronic instruments using the internet. However, the research literature demonstrates that Digital initiatives not only has positive connotation but has created a digital divide among the demographics across the communities (Benda et al, 2011 ) the studies also show evidence that there exists a huge gap among age groups, gender, income levels and socio-cultural groups in availing digital technologies in financial,especially the banking sector (Upadhyaya, L., et al, 2018 ). The present study is an attemptwhich focuses on understanding the changing and existing phenomenon of banking with special reference to Digitalisation and the adoption process of these new technologies by customers. The study mainly takes the constructs from Technology acceptance Models to test whether there exists any digital divide among the demographics in the study. Digital Banking Customer Behaviour TAM Model Adoption and Digital Technologies Figures Figure 1 Introduction In the last few years, The Banking Industry witnessed a gigantic move towards Digitalization. The Traditional mode of banking activities is experiencing a hyper-personaliseddigital-first approach. The banking industry also focused on boosting return on equity and bringing down the cost-to-income ratio to keep themselves in competition. The banks have been proving to face new entrances in their business space,like google, amazon and other technology companies entering intofinancial service. Banks see it as a new threat to their business with these new entrants in the financial transaction space. The changing environment and other external factors have facilitated the new entrants to boost their businesses. This accelerated environment changed customer behaviour and adaptation of new tools and technologies in the banking sector. One of the surveys ( Deloitte Insights) in the Banking Sector revealed that customers are reluctant to visit branches and they are inclined to opt out of newer tools to make their transactions which impacts the closer of Banks outlets at an unprecedented scale. The city Bank and JP Morgan are some examples in the banking sector that shut their branches to a reduced flow of customers due to changing behaviours of Customers shifting towards Digital Banking Technologies in the US. Banking Industry needs to replace many of its Traditional methods of existing customers' transactions and interactions with the Bank by augmenting improved use of Technologies. Banks need to strive its channels to ensure seamless and superior services across the Channels. Traditionally, Banks have had systematised channels with customised workflow and support. This mechanism, over a while, leads to inherently inefficient and broken customer and banking staff dissatisfaction and increased costs. The banks need to re-engineer their platforms to build channels through digital Technologies. Customers expect increased dynamism at the front end. The Existing Banking systems are monolithic and lead to potential delays in implementing the changes in the Banking system. The banks should focus on decoupling their existing monolithic approach to compete with Digital only Banks ( Newman, Sam-2015). Banks should alter their processes through financial re-engineering through technologies. The existing Data policies in Banking are rigid and have no access to the third party until now banks did not require any data to share with competitors or other service providers. Some banks used their data to improve their product and services. However, the Digitalisation of the Banking sector requires sharing the database with a third party in providing better Digi banking services to its customers. The same was experienced by the European banks in data sharing with the customer's consent (O’Flaherty, K. W., et al.) . Technology-driven banking sector requires a “one size fits all” approach by cross-selling and recommending products to the customers on a bigger scale, financial penetration and reduced interactions by using data to provide a personalised customer experience in banking services (Allen, F., Gu, X., &Jagtiani, J.) . Service providers analyse by integrating different kinds of customer data like demographic, transactions, interaction, behaviour and application usage etc. Banks can provide and create a unique experience for their customers. At the same time customers also expect privacy, security, trust, perceived advantage, perceived use and cared interactions while dealing with digital channels. Digital infrastructure, the internet of things, digital awareness and a model of digit framework are prerequisites for the Digitalisation of Banking services. The government policy should also facilitate promoting digital services to its customers. The services providers of Digital banking products should address risk management and provide trust and other security-related matters to their customers to adopt Digital Banking Services. Review Of Literature: The review of the literature focuses on understandingthe conceptual framework and the research done in a specific area of the study. The following reviews mainly stick to perceptions of the customers and factors influencing consumer Behaviour in adopting Digital Banking services and other related areas of the study concern. Bailey, A. A et al., ( 2020 ) conducted a study focusing on factors influencing the use of tap-and-go payment technology by US millennial consumers. The study found that the use of mobile phones has increased tremendously and found that perceived risk, socio-cultural influence and System risk may be affecting mobile payment adoptions among US millennial customers. BezaMucheTeka and David McMillan(2020) adopted Structural Equation Model(SEM) to understand the factors influencing the usage of electronic banking in Ethiopia. The results of the study revealed that perceived behavioural control, subjective norms, behavioural intention attitude towards perceived usefulness, perceived ease of use and awareness, and internet connections have a significant positive effect on customers' behaviour in the adoption of e-Banking, while perceived risk has a negative influence. Vinitha, K et al., (2017) analysed three variables like Perceived Benefits, perceived enjoyment and perceived credibility, where the first variable perceived benefit has a positive impact leading to the other two Variables. The perceived benefit has a greater emphasis on study leading to the biggest contribution in influencing the intention of the customers in adopting Digital Payment. Barkhordari, M et al., ( 2017 ) emphasised the influence of Internet Technology on enhancing the operational performance of Banking Sector capabilities. The major concern of the internet banking system is the perceived risk and trust of Costumers. Yadav, R et al., (2015) research posits that Subjective Norms, Attitude, Perceived Usefulness and Perceived Behavioural Control have a significant influence on the intention of customers in adopting Internet Banking services among the Youth in India. Barquin, S., & Hv, V. (2015) in their survey found that most of the customers in Developed Asia are seeking specific features like Loyalty programmes, and discounts offered through mobile devices while selecting their portfolios using Digital Banking Services. Ansong, A at al., (2011) investigated the perceptions of the customers in Ghana towards the adoption of innovative banking products in their Banks. The study focused on a sample of 288 students for the survey and revealed that convenience, security and Reliability,Flexibility, Ease of Use, and Time-Saving have an impact on customers' perception of adopting Innovative products in Banking. The demographic variable like females dominates males in the usage of Innovative products in Ghana. Vasanthakumari, H et al., (2011) examined Customer perception by considering 304 respondents to measure service quality in the Banking Sector. The study mainly focused on analysing Five factors namely, "Service", "Tangibles", "Reliability", "Time Duration" and "Growth", considering the demographic variables of customers. Tat, H. H et al., ( 2008 ) analysed data collected from 204 respondents in Malaysia and found that factors like Trust, perceived ease of use and perceived usefulness have a considerable effect in predicting the intentions of Customers in Malaysia in adapting Internet Banking Chau, P. Y et al., 2003) investigated the factors influencing the acceptance of Internet Banking in Hong Kong. The study considered 167 respondents and analysed Perceived Usefulness and Perceived Ease of Use towards acceptance of Internet Banking. Tan &Teo,( 2000) have discussed factors Influencing Internet Banking and opined that thererequired Internet connectivity to connect Customers with banks in delivering digital financial services effectively. Objectives Of The Study: The main objectives of the present study are To analyse the factors influencing the adoption of Digital Banking services concerning demographic variables. To understand the importance of Digital Banking services in this Technology driven Scenario. Statement Of The Problem Research about the Banking sector in adopting Digital Banking services is significant but when focused on the Geographic boundaries of Telangana State the study is very minimal. The literature and the research about Developed and Developing countries have identified Digital Divide among the customers in usage of Digital Technologies. The studies suggest that there should be a systematic and step-by-step approach to adopting Digitisation to implement effectively ( Cornford,J et al 1996 ), especially in remote rural areas. It is also evident that income, social status and digital infrastructure ( Flensburg, S., & Lai, S. S.) , and policies play a vital role in the implementation of Digital Financial Services from the supply point of view. This study is an attempt to understand different factors influencing digital financial services among customers in the State of Telangana. Research Methodology SOURCE OF DATA: The Data is Collected from both Primary and secondary sources. A questionnaire is designed to collect data from respondents directly,usingconstructs from Technology Acceptance Model(TAM) by considering variables like Relative advantage, perceived ease of use, complexity, trialability, perceived usefulness, Social norms, Security &trust and awareness to understand perceptions of the respondents towards adoption of Digital Banking services. The Secondary source of data from various research works is collected to understand the conceptual framework and identifythe research gap and analyse factors influencing the adoptionof digital financial products and services. Sample Size: A sample of 107 respondents is collected randomly through an online survey as well as distributing the questionnaires to the respondents. The data is filtered using imputation analysis to validate missing data. Testing of the questionnaire: Cronbach Alpha is calculated to measure the reliability rating of the questionnaire. The questionnaire has nine broad categories to test factors influencing the adoption of digital banking other than demographic variables,another descriptive variable for the study. To reduce the number of questions computation analysis is used by employing the SPSS programme. The details of Cronbach Alpha are as follows: Reliability Statistics: Cronbach's Alpha N of Items .837 9 The reliability statistics value shows 0.837 for the number of Items 9 under the study. the General Thumb rule is that a Cronbach’s Alpha of 0.70 and above is Good and 0.80 is Better, and 0.90 and above is best. The value of the Questionnaire under the Study is 0.837. Hence, the reliability of the questionnaire is valid and considered to be better. Hypothesis: H 01 There is no significant difference in factors influencing customers’ behaviour in adopting Digital banking based on Gender. H 02 There is no significant difference in factors influencing customers’ adoption of Digital banking based on Age. H 03 There is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on Education. H 04 There is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on Employment Status H 05 There is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking among the existing users and Non-users of Digital Banking services. Data Analysis Tools and Techniques: The valid percentages are calculatedwith the help of descriptivestatistics to explain Demographic variables and other related variables collected in the questionnaire. Since the questionnaire employed has Liker Scale in collecting customers' responses, the ANOVA test is conducted using the SPSS programme to test factors influencing the adoption of Digital Banking. Analysis Of Data The Table I of the study explains the Demographic variables considered in the study. The Demographic variables include Gender, Age, Education and Employment Status. The Total of 107 responses isreceived by distributing a questionnaire to study the factors influencing the adoption of Digital Banking services. Based on Gender47.7% are Female and 52.3% are Male respondents given their responses. When comparing data on Age wise composition 53.3% are of 18–27 years, 19.6% are 28–37 years age, 16.8% are 38–47 years age group and 10.3% are above 48 years. Education Qualifications ranging from Degree to PhD are considered under the study. The majority of the respondents are having the educational qualification of a Master with51.4%,26.2% with a PhD, 18.7% with Degree and 4.7% are having diploma degree as an educational qualification. When Employment status is considered the student group is predominant with 54.2%, salaried is 33.6%, self-employed are 6.7%, Retirees and others comprise 4.7% and 0.9% respectively. Table.2 indicates the opinion of the respondents when asked about the importance of the essentiality of new digital banking services that are advancing due to rapid changein Technologies and their application in the Banking Sector. The Majority, 58%,said that the new digital technologies are essential and 18% opined that New Technologies in Banking System are Vital while 14% expressed as Desirable. In comparison, 10% of the respondents said they could not say exactly. The overall opinion of the respondents supports that new technologies and innovations resulting in Digital Banking services are essential in the present lifestyle. The Fig. 1 of the study explains different reasons the respondents are finding it difficult to use digital banking services. The majority, 37%,have digital banking services that are challenging while using the technologies, and 25% of the respondents expressed that there is no accessibility of outlets to avail digital banking services. It is a notable point that there should be enough digital infrastructure facility in both customer’s point as well as the agents of service providers. Only 15% have said safety and security issues using digital financial services. Usage of Digital banking modes by Respondents like Mobile banking. Online Banking, ATM banking, Agency Banking, Client Contact Centre and Mobile Applications. The table.4 shows the number of products and digital banking services the respondents are availing of. The wide number of respondents ranging to 58%, are using at least two products,and 37% are using online banking, ATM,s Mobile Banking, and Agency banking 28%,23% and 6% respectively. Opinion of Respondents seeking to Adopt Digital Banking if the following provisions are made. Table .5 of the analysis represents the opinion of the respondents seeking provisions to utilise digital-related services. The majority expressed that the cheaper cost of using Digital banking technologies, greater security and safety and free training are the aspects that customers are seeking in adopting Digital Banking services. If provided the above provisions, the customers will have effective utilisation of Digital Banking services to opt for and also can expect growth of Digital services reaching a wide range of customers across the State. Analysing the factors influencing Digital Banking Services: Discussion The analysis of the study from Table 6.1 to Table 6.5 explains different factors influencing customers’ behaviour on the adoption of Digital Banking Services concerning Demographic variables like Gender, Age, Education and Employment status. ANOVA test is conducted to analyse factors like Relative Advantage, Compatibility, Complexity, Triable, Perceived ease of Use, Perceived Usefulness, Social Norms, Security & Trust and Awareness, which are tested with Demographic Variables. ANOVA test is executed by formulating a null Hypothesis based on the objectives of the study at a 95% level of significance. The rule for accepting the Null Hypothesis is that the “p” value or “Sig” value should be > 0.05 at a 95% level of significance. If the Sig value results in less than 0.05 then Reject H 0 : Null Hypothesis. In table 6.1 the factors are tested with Gender and all the factors resulted in > 0.05 except for factor Complexity . This means that there is a significant difference when referring to complexity among males and females in adopting Digital Banking Products and services. The complexity factor explains that there is a mean difference concerning the opinion of the respondents expressing that there is a lot of thinking involved and requires a lot of mental stress in using Digital Banking products and services. Table .6.2 describes and tests Null Hypothesis H 02 assuming thatThere is no significant difference in factors influencing customers in the adoption of Digital banking based on Age. The null hypothesis is accepted for all the variables. The "Sig" value for all the Tested variables is > 0.05 at a 95% level of significance. There is no significant difference in factors influencing when compared between Age groups. Above table 6.3 tests Null hypothesis H 03 that There is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on Education. The derived “p” value or “Sig” values are > 0.05 except for Compatibility . We accept all other Null Hypothesis factors except for Compatibility. This means that Customers with different Educational qualifications have opined that the existing Digital Banking services’ suitability varies with their lifestyle and customisation is required to fit well to manage their finances. Table 6.4 explains the ANOVA test with Null Hypothesis H 04 that There is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on Employment Status. The derived “p” value “Sig” values are > 0.05 except for Social Norms . This means that there is significant variation in mean scores among the Employment Groups, showing the influence of friends, family members and colleagues in adopting Digital Banking Services among the Employment Status categories. Table 6.5 tests the Null Hypothesis considering the current Users and Non- users of Digital Banking products and Services. This analysis is made to test the overall impact of Factors restricting non-users to restrain from Digital Banking irrespective of the Demographic variables. The Null Hypothesis for all the factors is accepted, where the Statistical Sig Value is > 0.05 except for Complexity with a value of 0.028. This means that overall the respondents expressed that the suitability of the Existing product to their lifestyle and the procedural process is a bit difficult. This may be the main reason that restrains them from opting for Digital services effectively. Finding Of The Study Based on the discussion, the following major findings are revealed. The study shows that the majority of the factors like Relative Advantage, Compatibility, Triable, Perceived Ese of Use, Perceived Usefulness, Security & Trust and Awareness have a positive influence when compared among the Users and Non-users of Digital Banking Services. The study has a difference in mean scores in response to factors influencing Digital Banking when compared with categories based on Demographic Variables When analysing respondents, both existing Users and Non-Users of Digital Banking, it is found that the Complex nature of Digital Banking is hindering them from adopting Digital Services. the results of the study, when compared based on Gender, the same kind of results are found. Among the Genders Group males and females, there is a difference in Complexity. Compatibility varies concerning demographic Factors and Educational Qualifications. The suitability or fit of digital products and Services differ among the groups of customers based on their qualifications. The influence of Social Norms is not the same concerning groups tested based on their Employment Status. The respondents with different professions have different means for the influence of their friends, colleagues and Family members in adopting Digital Banking services. The overall Respondents express that Digital Banking Services are essential and they are willing to adopt them when certain provisions are provided. Conclusion In general, any innovation in the market has lower penetration in the initial stage of its introduction and requires suitable strategies to implement effectively. Many times customers watch and wait for the suitability of the product or service in adopting. The study revealed that the majority of the factors influencing Digital Banking among Users and Non-Users have no significant differences and have a positiveinfluence on customers’ attitudes toward adopting Digital Banking Services. When compared among the demographic variables, there exist differences in influencing factors on the adoption of Digital Banking.It is also evident from the findings that there exist differences among the respondents in fully augmenting the Digital Banking services for Complexity. Since Digital Innovations in Banking deal with financial matters, customers will have a stringent approach to augmenting Digital Innovations in Banking. Most of the Digital applications designed to ensure security features in banking have complexity in their operational procedure. This results in difficulty for many Banking customers in making digital services as an opt decision. The operators of Digital services should consider the divergence of respondents based on different segments and design customised digital services and ensure product service suitability. The operational complexity can be reduced by reengineering or redesigning digital products to have ease of access and make Transactions without compromising security issues. Declarations Conflict of interest statement: The authors have no conflicts of interest. I agree and declare with the contents of the manuscript and there is no financial interest to report. 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Variables Non-adopters Adopters Total Valid N % N % N % Gender Female 22 20.6 29 27.1 51 47.7 Male 14 13.1 42 39.3 56 52.3 Age 18-27 24 22.4 33 30.8 57 53.3 28-37 4 3.7 17 15.9 21 19.6 38-47 4 3.7 14 13.1 18 16.8 above 48 4 3.7 7 6.5 11 10.3 Education Degree 12 11.2 8 7.5 20 18.7 Diploma 3 2.8 2 1.9 5 4.7 Master 13 12.1 40 37.4 53 51.4 PHD 7 6.5 21 19.6 28 26.2 Employment Status Student 25 23.4 33 30.8 58 54.2 Self Employed 2 1.9 5 4.7 7 6.5 Salaried 5 4.7 31 29.0 36 33.6 Retirees 4 3.7 1 0.9 5 4.7 Others 0.0 1 0.9 1 0.9 Total 36 33.6 71 66.4 107 100.0 Source: Primary Data Table .2: Opinion of the Respondents on Digital Banking as a new system of delivering banking services . Non-Adopters Adopters Valid N % N % Total % Cannot say exactly 8 7 3 3 11 10% Desirable 7 7 8 7 15 14% Essential 21 20 41 38 62 58% Vital 0 19 18 19 18% Total 36 34 71 66 107 100% Source: Primary Data Table.4 Usage of Digital banking modes by Respondents like Mobile banking. Online Banking, ATM banking, Agency Banking, Client Contact Centre and Mobile Applications. N Valid % At least One Product 26 24 Two Products 62 58 Three or more Products 19 18 Total 107 100 Source: Primary Data Source: Primary Data Table.5 Opening of Respondents seeking to Adopt Digital Banking if the following provisions are made. Provisions Respondents seeking N Valid % a) Free training on the use of digital banking 47 29% b) Cheaper costs of using digital banking technologies 60 37% c) Greater security and assurance of the safety of digital banking technologies 55 34% d) Other 2 1% Total Responses 164 100% Source: Primary Data Table .6.1 H 01 There is no significant difference in factors influencing customers' behaviour in the adoption of Digital banking based on Gender. ANOVA Sum of Squares df Mean Square F Sig. H 0 Accept/Reject Relative Advantage Between Groups 1.402 1 1.402 1.151 .286 Accept Within Groups 127.865 105 1.218 Total 129.266 106 Compatibility Between Groups 1.101 1 1.101 .893 .347 Accept Within Groups 129.371 105 1.232 Total 130.472 106 Complexity Between Groups 1.284 1 1.284 4.244 .042 Reject Within Groups 31.776 105 .303 Total 33.061 106 Triability Between Groups 1.262 1 1.262 .807 .371 Accept Within Groups 164.159 105 1.563 Total 165.421 106 Perceived Ease of Use Between Groups .034 1 .034 .135 .714 Accept Within Groups 26.755 105 .255 Total 26.790 106 Perceived Usefulness Between Groups 2.115 1 2.115 2.144 .146 Accept Within Groups 103.584 105 .987 Total 105.699 106 Social Norms Between Groups .152 1 .152 .116 .734 Accept Within Groups 137.410 105 1.309 Total 137.562 106 Security and Trust Between Groups 1.905 1 1.905 1.512 .222 Accept Within Groups 132.282 105 1.260 Total 134.187 106 Awareness Between Groups 3.677 1 3.677 3.381 .069 Accept Within Groups 114.174 105 1.087 Total 117.850 106 Source: Primary Data Table .6.2 H 02 There is no significant difference in factors influencing customers in the adoption of Digital banking based on Age ANOVA Sum of Squares df Mean Square F Sig. H 0 Accept/Reject Relative Advantage Between Groups 3.098 3 1.033 .843 .473 Accept Within Groups 126.168 103 1.225 Total 129.266 106 Compatibility Between Groups 7.434 3 2.478 2.074 .108 Accept Within Groups 123.038 103 1.195 Total 130.472 106 Complexity Between Groups 1.132 3 .377 1.217 .307 Accept Within Groups 31.929 103 .310 Total 33.061 106 Triability Between Groups 1.071 3 .357 .224 .880 Accept Within Groups 164.350 103 1.596 Total 165.421 106 Perceived Ease of Use Between Groups .189 3 .063 .244 .866 Accept Within Groups 26.601 103 .258 Total 26.790 106 Perceived Usefulness Between Groups 2.124 3 .708 .704 .552 Accept Within Groups 103.575 103 1.006 Total 105.699 106 Social Norms Between Groups 3.241 3 1.080 .828 .481 Accept Within Groups 134.321 103 1.304 Total 137.562 106 Security and Trust Between Groups 1.106 3 .369 .285 .836 Accept Within Groups 133.081 103 1.292 Total 134.187 106 Awareness Between Groups .771 3 .257 .226 .878 Accept Within Groups 117.080 103 1.137 Total 117.850 106 Source: Primary Data Table .6.3 H 03 There is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on Education ANOVA Sum of Squares df Mean Square F Sig. H 0 Accept/Reject Relative Advantage Between Groups 6.658 4 1.664 1.385 .245 Accept Within Groups 122.609 102 1.202 Total 129.266 106 Compatibility Between Groups 17.992 4 4.498 4.079 .004 Reject Within Groups 112.480 102 1.103 Total 130.472 106 Complexity Between Groups .750 4 .187 .592 .669 Accept Within Groups 32.311 102 .317 Total 33.061 106 Triability Between Groups 7.680 4 1.920 1.242 .298 Accept Within Groups 157.740 102 1.546 Total 165.421 106 Perceived Ease of Use Between Groups .474 4 .119 .460 .765 Accept Within Groups 26.315 102 .258 Total 26.790 106 Perceived Usefulness Between Groups 6.441 4 1.610 1.655 .166 Accept Within Groups 99.258 102 .973 Total 105.699 106 Social Norms Between Groups 6.515 4 1.629 1.268 .288 Accept Within Groups 131.046 102 1.285 Total 137.562 106 Security and Trust Between Groups 7.398 4 1.850 1.488 .211 Accept Within Groups 126.789 102 1.243 Total 134.187 106 Awareness Between Groups 5.872 4 1.468 1.337 .261 Accept Within Groups 111.978 102 1.098 Total 117.850 106 Source: Primary Data Table .6.4 H 04 There is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on Employment Status ANOVA Sum of Squares df Mean Square F Sig. H 0 Accept/Reject Relative Advantage Between Groups 7.457 4 1.864 1.561 .190 Accept Within Groups 121.809 102 1.194 Total 129.266 106 Compatibility Between Groups 8.371 4 2.093 1.748 .145 Accept Within Groups 122.101 102 1.197 Total 130.472 106 Complexity Between Groups 1.937 4 .484 1.587 .183 Accept Within Groups 31.123 102 .305 Total 33.061 106 Triability Between Groups 7.610 4 1.902 1.230 .303 Accept Within Groups 157.811 102 1.547 Total 165.421 106 Perceived Ease of Use Between Groups .804 4 .201 .789 .535 Accept Within Groups 25.985 102 .255 Total 26.790 106 Perceived Usefulness Between Groups 5.192 4 1.298 1.317 .269 Accept Within Groups 100.507 102 .985 Total 105.699 106 Social Norms Between Groups 16.523 4 4.131 3.481 .010 Reject Within Groups 121.039 102 1.187 Total 137.562 106 Security and Trust Between Groups 4.616 4 1.154 .908 .462 Accept Within Groups 129.571 102 1.270 Total 134.187 106 Awareness Between Groups 6.567 4 1.642 1.505 .206 Accept Within Groups 111.284 102 1.091 Total 117.850 106 Source: Primary Data Table .6.5 H 05 There is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking among the existing users and Non-users of Digital Banking services. ANOVA Sum of Squares df Mean Square F Sig. H 0 Accept/Reject Relative Advantage Between Groups .610 1 .610 .498 .482 Accept Within Groups 128.656 105 1.225 Total 129.266 106 Compatibility Between Groups .250 1 .250 .202 .654 Accept Within Groups 130.222 105 1.240 Total 130.472 106 Complexity Between Groups 1.500 1 1.500 4.990 .028 Reject Within Groups 31.561 105 .301 Total 33.061 106 Triability Between Groups .111 1 .111 .070 .791 Accept Within Groups 165.310 105 1.574 Total 165.421 106 Perceived Ease of Use Between Groups .061 1 .061 .239 .626 Accept Within Groups 26.729 105 .255 Total 26.790 106 Perceived Usefulness Between Groups 1.822 1 1.822 1.842 .178 Accept Within Groups 103.876 105 .989 Total 105.699 106 Social Norms Between Groups 2.000 1 2.000 1.549 .216 Accept Within Groups 135.561 105 1.291 Total 137.562 106 Security and Trust Between Groups .084 1 .084 .066 .798 Accept Within Groups 134.103 105 1.277 Total 134.187 106 Awareness Between Groups .469 1 .469 .419 .519 Accep t Within Groups 117.382 105 1.118 Total 117.850 106 Source: Primary Data Cite Share Download PDF Status: Posted Version 1 posted You are reading this latest preprint version Research Square lets you share your work early, gain feedback from the community, and start making changes to your manuscript prior to peer review in a journal. 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Also discoverable on Platform About Our Team In Review Editorial Policies Advisory Board Help Center Resources Author Services Accessibility API Access RSS feed Manage Cookie Preferences © Research Square 2026 | ISSN 2693-5015 (online) Privacy Policy Terms of Service Do Not Sell My Personal Information {"props":{"pageProps":{"initialData":{"identity":"rs-2404748","acceptedTermsAndConditions":true,"allowDirectSubmit":true,"archivedVersions":[],"articleType":"Research Article","associatedPublications":[],"authors":[{"id":165693867,"identity":"1b62edf5-1346-4710-8935-c99826d95cb8","order_by":0,"name":"John Paul M","email":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAZAAAAAyAQMAAABI0h/eAAAABlBMVEX///8AAABVwtN+AAAACXBIWXMAAA7EAAAOxAGVKw4bAAAA60lEQVRIiWNgGAWjYBACxgYIbQAiDnwAEmzsxGthZjg4A6SFmUjbwFqYeUBMQlqYZ3cnPi7cYWfMP7v/4GGbX9vk+ZgZGD98zMHjsDlnNxvPPJNsJnHnMMPh3L7bhm1A2yRnbsOjZUbuNmneNmYbhhvJQC09txmBWtiYefFr2f6bt63eRh6kxbLntj0xWrYx87YdNjMAaWH4cTuRsBagX4AOO25seCPZ4GBvw+3kNmbGZrx+MZzdu/Ezb1u14bwbiY8//Phz23Z+e/PBDx/xaZmBYmcbmGzArR4I5CVQuH/wKh4Fo2AUjIIRCgAjXlK+X8p77gAAAABJRU5ErkJggg==","orcid":"","institution":"Mahatma Gandhi University","correspondingAuthor":true,"submittingAuthor":false,"prefix":"","firstName":"John","middleName":"Paul","lastName":"M","suffix":""}],"badges":[],"createdAt":"2022-12-22 10:51:08","currentVersionCode":1,"declarations":"","doi":"10.21203/rs.3.rs-2404748/v1","doiUrl":"https://doi.org/10.21203/rs.3.rs-2404748/v1","draftVersion":[],"editorialEvents":[],"editorialNote":"","failedWorkflow":false,"files":[{"id":31320014,"identity":"5dd8a1f7-f6e9-421d-a5f1-5637528cfeb5","added_by":"auto","created_at":"2023-01-09 17:22:15","extension":"jpg","order_by":1,"title":"Figure 1","display":"","copyAsset":false,"role":"figure","size":153478,"visible":true,"origin":"","legend":"\u003cp\u003e\u003cstrong\u003eReasons and Difficulties related to usages of Digital Banking by both Adopters and Non-Adopters.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eSource: Primary Data\u003c/strong\u003e\u003c/p\u003e","description":"","filename":"Fig1.jpg","url":"https://assets-eu.researchsquare.com/files/rs-2404748/v1/669b412fd83c8f843951bb80.jpg"},{"id":31320046,"identity":"7051426c-d789-4c01-a1d5-7e0d4acb92ae","added_by":"auto","created_at":"2023-01-09 17:22:26","extension":"pdf","order_by":0,"title":"","display":"","copyAsset":false,"role":"manuscript-pdf","size":893692,"visible":true,"origin":"","legend":"","description":"","filename":"manuscript.pdf","url":"https://assets-eu.researchsquare.com/files/rs-2404748/v1/eb33520c-31ae-4370-a06e-689788b23337.pdf"}],"financialInterests":"","formattedTitle":"Analyzing the digital divide among the demographics in the State of Telangana with reference to adoption of Digital Banking services.","fulltext":[{"header":"Introduction","content":"\u003cp\u003eIn the last few years, The Banking Industry witnessed a gigantic move towards Digitalization. The Traditional mode of banking activities is experiencing a hyper-personaliseddigital-first approach. The banking industry also focused on boosting return on equity and bringing down the cost-to-income ratio to keep themselves in competition. The banks have been proving to face new entrances in their business space,like google, amazon and other technology companies entering intofinancial service. Banks see it as a new threat to their business with these new entrants in the financial transaction space. The changing environment and other external factors have facilitated the new entrants to boost their businesses. This accelerated environment changed customer behaviour and adaptation of new tools and technologies in the banking sector.\u003c/p\u003e\n\u003cp\u003eOne of the surveys (\u003cspan class=\"BoldItalic\"\u003eDeloitte Insights)\u003c/span\u003e in the Banking Sector revealed that customers are reluctant to visit branches and they are inclined to opt out of newer tools to make their transactions which impacts the closer of Banks outlets at an unprecedented scale. The city Bank and JP Morgan are some examples in the banking sector that shut their branches to a reduced flow of customers due to changing behaviours of Customers shifting towards Digital Banking Technologies in the US.\u003c/p\u003e\n\u003cp\u003eBanking Industry needs to replace many of its Traditional methods of existing customers' transactions and interactions with the Bank by augmenting improved use of Technologies. Banks need to strive its channels to ensure seamless and superior services across the Channels. Traditionally, Banks have had systematised channels with customised workflow and support. This mechanism, over a while, leads to inherently inefficient and broken customer and banking staff dissatisfaction and increased costs. The banks need to re-engineer their platforms to build channels through digital Technologies. Customers expect increased dynamism at the front end. The Existing Banking systems are monolithic and lead to potential delays in implementing the changes in the Banking system. The banks should focus on decoupling their existing monolithic approach to compete with Digital only Banks (\u003cspan class=\"BoldItalic\"\u003eNewman, Sam-2015).\u003c/span\u003eBanks should alter their processes through financial re-engineering through technologies.\u003c/p\u003e\n\u003cp\u003eThe existing Data policies in Banking are rigid and have no access to the third party until now banks did not require any data to share with competitors or other service providers. Some banks used their data to improve their product and services. However, the Digitalisation of the Banking sector requires sharing the database with a third party in providing better Digi banking services to its customers. The same was experienced by the European banks in data sharing with the customer's consent \u003cspan class=\"BoldItalic\"\u003e(O\u0026rsquo;Flaherty, K. W., et al.)\u003c/span\u003e.\u003c/p\u003e\n\u003cp\u003eTechnology-driven banking sector requires a \u0026ldquo;one size fits all\u0026rdquo; approach by cross-selling and recommending products to the customers on a bigger scale, financial penetration and reduced interactions by using data to provide a personalised customer experience in banking services \u003cspan class=\"BoldItalic\"\u003e(Allen, F., Gu, X., \u0026amp;Jagtiani, J.)\u003c/span\u003e. Service providers analyse by integrating different kinds of customer data like demographic, transactions, interaction, behaviour and application usage etc. Banks can provide and create a unique experience for their customers. At the same time customers also expect privacy, security, trust, perceived advantage, perceived use and cared interactions while dealing with digital channels.\u003c/p\u003e\n\u003cp\u003eDigital infrastructure, the internet of things, digital awareness and a model of digit framework are prerequisites for the Digitalisation of Banking services. The government policy should also facilitate promoting digital services to its customers. The services providers of Digital banking products should address risk management and provide trust and other security-related matters to their customers to adopt Digital Banking Services.\u003c/p\u003e\n\u003ch3\u003eReview Of Literature:\u003c/h3\u003e\n\u003cp\u003eThe review of the literature focuses on understandingthe conceptual framework and the research done in a specific area of the study. The following reviews mainly stick to perceptions of the customers and factors influencing consumer Behaviour in adopting Digital Banking services and other related areas of the study concern.\u003c/p\u003e\n\u003cp\u003eBailey, A. A et al., (\u003cspan class=\"CitationRef\"\u003e2020\u003c/span\u003e) conducted a study focusing on factors influencing the use of tap-and-go payment technology by US millennial consumers. The study found that the use of mobile phones has increased tremendously and found that perceived risk, socio-cultural influence and System risk may be affecting mobile payment adoptions among US millennial customers.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eBezaMucheTeka and David McMillan(2020)\u003c/strong\u003e adopted Structural Equation Model(SEM) to understand the factors influencing the usage of electronic banking in Ethiopia. The results of the study revealed that perceived behavioural control, subjective norms, behavioural intention attitude towards perceived usefulness, perceived ease of use and awareness, and internet connections have a significant positive effect on customers' behaviour in the adoption of e-Banking, while perceived risk has a negative influence.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eVinitha, K et al., (2017)\u003c/strong\u003e analysed three variables like Perceived Benefits, perceived enjoyment and perceived credibility, where the first variable perceived benefit has a positive impact leading to the other two Variables. The perceived benefit has a greater emphasis on study leading to the biggest contribution in influencing the intention of the customers in adopting Digital Payment.\u003c/p\u003e\n\u003cp\u003eBarkhordari, M et al., (\u003cspan class=\"CitationRef\"\u003e2017\u003c/span\u003e) emphasised the influence of Internet Technology on enhancing the operational performance of Banking Sector capabilities. The major concern of the internet banking system is the perceived risk and trust of Costumers.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eYadav, R et al., (2015)\u003c/strong\u003e research posits that Subjective Norms, Attitude, Perceived Usefulness and Perceived Behavioural Control have a significant influence on the intention of customers in adopting Internet Banking services among the Youth in India.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eBarquin, S., \u0026amp; Hv, V. (2015)\u003c/strong\u003e in their survey found that most of the customers in Developed Asia are seeking specific features like Loyalty programmes, and discounts offered through mobile devices while selecting their portfolios using Digital Banking Services.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eAnsong, A at al., (2011)\u003c/strong\u003einvestigated the perceptions of the customers in Ghana towards the adoption of innovative banking products in their Banks. The study focused on a sample of 288 students for the survey and revealed that convenience, security and Reliability,Flexibility, Ease of Use, and Time-Saving have an impact on customers' perception of adopting Innovative products in Banking. The demographic variable like females dominates males in the usage of Innovative products in Ghana.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eVasanthakumari, H et al., (2011)\u003c/strong\u003e examined Customer perception by considering 304 respondents to measure service quality in the Banking Sector. The study mainly focused on analysing Five factors namely, \"Service\", \"Tangibles\", \"Reliability\", \"Time Duration\" and \"Growth\", considering the demographic variables of customers.\u003c/p\u003e\n\u003cp\u003eTat, H. H et al., (\u003cspan class=\"CitationRef\"\u003e2008\u003c/span\u003e\u003cstrong\u003e)\u003c/strong\u003eanalysed data collected from 204 respondents in Malaysia and found that factors like Trust, perceived ease of use and perceived usefulness have a considerable effect in predicting the intentions of Customers in Malaysia in adapting Internet Banking\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eChau, P. Y et al., 2003)\u003c/strong\u003e investigated the factors influencing the acceptance of Internet Banking in Hong Kong. The study considered 167 respondents and analysed Perceived Usefulness and Perceived Ease of Use towards acceptance of Internet Banking.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eTan \u0026amp;Teo,( 2000)\u003c/strong\u003e have discussed factors Influencing Internet Banking and opined that thererequired Internet connectivity to connect Customers with banks in delivering digital financial services effectively.\u003c/p\u003e\n\u003ch3\u003eObjectives Of The Study:\u003c/h3\u003e\n\u003cp\u003eThe main objectives of the present study are\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cp\u003eTo analyse the factors influencing the adoption of Digital Banking services concerning demographic variables.\u003c/p\u003e\n\u003c/li\u003e\n\u003cli\u003e\n\u003cp\u003eTo understand the importance of Digital Banking services in this Technology driven Scenario.\u003c/p\u003e\n\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch3\u003eStatement Of The Problem\u003c/h3\u003e\n\u003cp\u003eResearch about the Banking sector in adopting Digital Banking services is significant but when focused on the Geographic boundaries of Telangana State the study is very minimal. The literature and the research about Developed and Developing countries have identified Digital Divide among the customers in usage of Digital Technologies. The studies suggest that there should be a systematic and step-by-step approach to adopting Digitisation to implement effectively (\u003cstrong\u003eCornford,J et al 1996\u003c/strong\u003e), especially in remote rural areas. It is also evident that income, social status and digital infrastructure (\u003cstrong\u003eFlensburg, S., \u0026amp; Lai, S. S.)\u003c/strong\u003e, and policies play a vital role in the implementation of Digital Financial Services from the supply point of view. This study is an attempt to understand different factors influencing digital financial services among customers in the State of Telangana.\u003c/p\u003e"},{"header":"Research Methodology","content":"\u003cdiv class=\"Section2\" id=\"Sec6\"\u003e\n \u003ch2\u003eSOURCE OF DATA:\u003c/h2\u003e\n \u003cp\u003eThe Data is Collected from both Primary and secondary sources. A questionnaire is designed to collect data from respondents directly,usingconstructs from Technology Acceptance Model(TAM) by considering variables like Relative advantage, perceived ease of use, complexity, trialability, perceived usefulness, Social norms, Security \u0026amp;trust and awareness to understand perceptions of the respondents towards adoption of Digital Banking services.\u003c/p\u003e\n \u003cp\u003eThe Secondary source of data from various research works is collected to understand the conceptual framework and identifythe research gap and analyse factors influencing the adoptionof digital financial products and services.\u003c/p\u003e\n\u003c/div\u003e\n\u003cdiv class=\"Section2\" id=\"Sec7\"\u003e\n \u003ch2\u003eSample Size:\u003c/h2\u003e\n \u003cp\u003eA sample of 107 respondents is collected randomly through an online survey as well as distributing the questionnaires to the respondents. The data is filtered using imputation analysis to validate missing data.\u003c/p\u003e\n\u003c/div\u003e\n\u003cdiv class=\"Section2\" id=\"Sec8\"\u003e\n \u003ch2\u003eTesting of the questionnaire:\u003c/h2\u003e\n \u003cp\u003eCronbach Alpha is calculated to measure the reliability rating of the questionnaire. The questionnaire has nine broad categories to test factors influencing the adoption of digital banking other than demographic variables,another descriptive variable for the study. To reduce the number of questions computation analysis is used by employing the SPSS programme. The details of Cronbach Alpha are as follows:\u003c/p\u003e\n\u003c/div\u003e\n\u003cdiv class=\"Section2\" id=\"Sec9\"\u003e\n \u003ch2\u003eReliability Statistics:\u003c/h2\u003e\n \u003cdiv class=\"gridtable\"\u003e\n \u003ctable border=\"1\" id=\"Taba\"\u003e\n \u003cthead\u003e\n \u003ctr\u003e\n \u003cth align=\"left\"\u003e\n \u003cp\u003eCronbach\u0026apos;s Alpha\u003c/p\u003e\n \u003c/th\u003e\n \u003cth align=\"left\"\u003e\n \u003cp\u003eN of Items\u003c/p\u003e\n \u003c/th\u003e\n \u003c/tr\u003e\n \u003c/thead\u003e\n \u003ctbody\u003e\n \u003ctr\u003e\n \u003ctd align=\"left\"\u003e\n \u003cp\u003e.837\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd align=\"left\"\u003e\n \u003cp\u003e9\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003c/tbody\u003e\n \u003c/table\u003e\n \u003c/div\u003e\n \u003cp\u003eThe reliability statistics value shows 0.837 for the number of Items 9 under the study. the General Thumb rule is that a Cronbach\u0026rsquo;s Alpha of 0.70 and above is Good and 0.80 is Better, and 0.90 and above is best. The value of the Questionnaire under the Study is 0.837. Hence, the reliability of the questionnaire is valid and considered to be better.\u003c/p\u003e\n\u003c/div\u003e\n\u003ch2\u003eHypothesis:\u003c/h2\u003e\n\u003cp\u003e\u003cstrong\u003eH\u003csub\u003e01\u003c/sub\u003e\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eThere is no significant difference in factors influencing customers\u0026rsquo; behaviour in adopting Digital banking based on Gender.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eH\u003csub\u003e02\u003c/sub\u003e\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eThere is no significant difference in factors influencing customers\u0026rsquo; adoption of Digital banking based on Age.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eH\u003csub\u003e03\u003c/sub\u003e\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eThere is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on Education.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eH\u003csub\u003e04\u003c/sub\u003e\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eThere is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on Employment Status\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eH\u003csub\u003e05\u003c/sub\u003e\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eThere is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking among the existing users and Non-users of Digital Banking services.\u003c/p\u003e\n\u003cdiv class=\"Section2\" id=\"Sec11\"\u003e\n \u003ch2\u003eData Analysis Tools and Techniques:\u003c/h2\u003e\n \u003cp\u003eThe valid percentages are calculatedwith the help of descriptivestatistics to explain Demographic variables and other related variables collected in the questionnaire. Since the questionnaire employed has Liker Scale in collecting customers\u0026apos; responses, the ANOVA test is conducted using the SPSS programme to test factors influencing the adoption of Digital Banking.\u003c/p\u003e\n\u003c/div\u003e"},{"header":"Analysis Of Data","content":"\u003cp\u003eThe Table I of the study explains the Demographic variables considered in the study. The Demographic variables include Gender, Age, Education and Employment Status. The Total of 107 responses isreceived by distributing a questionnaire to study the factors influencing the adoption of Digital Banking services.\u003c/p\u003e\n\u003cp\u003eBased on Gender47.7% are Female and 52.3% are Male respondents given their responses. When comparing data on Age wise composition 53.3% are of 18\u0026ndash;27 years, 19.6% are 28\u0026ndash;37 years age, 16.8% are 38\u0026ndash;47 years age group and 10.3% are above 48 years. Education Qualifications ranging from Degree to PhD are considered under the study. The majority of the respondents are having the educational qualification of a Master with51.4%,26.2% with a PhD, 18.7% with Degree and 4.7% are having diploma degree as an educational qualification.\u003c/p\u003e\n\u003cp\u003eWhen Employment status is considered the student group is predominant with 54.2%, salaried is 33.6%, self-employed are 6.7%, Retirees and others comprise 4.7% and 0.9% respectively.\u003c/p\u003e\n\u003cp\u003eTable.2 indicates the opinion of the respondents when asked about the importance of the essentiality of new digital banking services that are advancing due to rapid changein Technologies and their application in the Banking Sector. The Majority, 58%,said that the new digital technologies are essential and 18% opined that New Technologies in Banking System are Vital while 14% expressed as Desirable. In comparison, 10% of the respondents said they could not say exactly. The overall opinion of the respondents supports that new technologies and innovations resulting in Digital Banking services are essential in the present lifestyle.\u003c/p\u003e\n\u003cp\u003eThe Fig.\u0026nbsp;\u003cspan class=\"InternalRef\"\u003e1\u003c/span\u003e of the study explains different reasons the respondents are finding it difficult to use digital banking services. The majority, 37%,have digital banking services that are challenging while using the technologies, and 25% of the respondents expressed that there is no accessibility of outlets to avail digital banking services. It is a notable point that there should be enough digital infrastructure facility in both customer\u0026rsquo;s point as well as the agents of service providers. Only 15% have said safety and security issues using digital financial services.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eUsage of Digital banking modes by Respondents like Mobile banking. Online Banking, ATM banking, Agency Banking, Client Contact Centre and Mobile Applications.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eThe table.4 shows the number of products and digital banking services the respondents are availing of. The wide number of respondents ranging to 58%, are using at least two products,and 37% are using online banking, ATM,s Mobile Banking, and Agency banking 28%,23% and 6% respectively.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eOpinion of Respondents seeking to Adopt Digital Banking if the following provisions are made.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eTable .5 of the analysis represents the opinion of the respondents seeking provisions to utilise digital-related services. The majority expressed that the cheaper cost of using Digital banking technologies, greater security and safety and free training are the aspects that customers are seeking in adopting Digital Banking services. If provided the above provisions, the customers will have effective utilisation of Digital Banking services to opt for and also can expect growth of Digital services reaching a wide range of customers across the State.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eAnalysing the factors influencing Digital Banking Services:\u003c/strong\u003e\u003c/p\u003e"},{"header":"Discussion","content":"\u003cp\u003eThe analysis of the study from Table\u0026nbsp;6.1 to Table\u0026nbsp;6.5 explains different factors influencing customers\u0026rsquo; behaviour on the adoption of Digital Banking Services concerning Demographic variables like Gender, Age, Education and Employment status. ANOVA test is conducted to analyse factors like Relative Advantage, Compatibility, Complexity, Triable, Perceived ease of Use, Perceived Usefulness, Social Norms, Security \u0026amp; Trust and Awareness, which are tested with Demographic Variables.\u003c/p\u003e \u003cp\u003eANOVA test is executed by formulating a null Hypothesis based on the objectives of the study at a 95% level of significance. The rule for accepting the Null Hypothesis is that the \u003cem\u003e\u0026ldquo;p\u0026rdquo;\u003c/em\u003e value or \u0026ldquo;Sig\u0026rdquo; value should be \u0026gt;\u0026thinsp;0.05 at a 95% level of significance. If the Sig value results in less than 0.05 then Reject H\u003csub\u003e0\u003c/sub\u003e: Null Hypothesis. In table 6.1 the factors are tested with Gender and all the factors resulted in \u0026gt;\u0026thinsp;0.05 except for factor \u003cspan type=\"BoldItalic\" class=\"BoldItalic\" name=\"Emphasis\"\u003eComplexity\u003c/span\u003e. This means that there is a significant difference when referring to complexity among males and females in adopting Digital Banking Products and services. The complexity factor explains that there is a mean difference concerning the opinion of the respondents expressing that there is a lot of thinking involved and requires a lot of mental stress in using Digital Banking products and services.\u003c/p\u003e \u003cp\u003eTable .6.2 describes and tests Null Hypothesis H\u003csub\u003e02\u003c/sub\u003e assuming thatThere is no significant difference in factors influencing customers in the adoption of Digital banking based on Age. The null hypothesis is accepted for all the variables. The \"Sig\" value for all the Tested variables is \u0026gt;\u0026thinsp;0.05 at a 95% level of significance. There is no significant difference in factors influencing when compared between Age groups.\u003c/p\u003e \u003cp\u003eAbove table 6.3 tests Null hypothesis H\u003csub\u003e03\u003c/sub\u003e that There is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on Education. The derived \u0026ldquo;p\u0026rdquo; value or \u0026ldquo;Sig\u0026rdquo; values are \u0026gt;\u0026thinsp;0.05 except for \u003cspan type=\"BoldItalic\" class=\"BoldItalic\" name=\"Emphasis\"\u003eCompatibility\u003c/span\u003e. We accept all other Null Hypothesis factors except for Compatibility. This means that Customers with different Educational qualifications have opined that the existing Digital Banking services\u0026rsquo; suitability varies with their lifestyle and customisation is required to fit well to manage their finances.\u003c/p\u003e \u003cp\u003eTable\u0026nbsp;6.4 explains the ANOVA test with Null Hypothesis H\u003csub\u003e04\u003c/sub\u003e that There is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on Employment Status. The derived \u0026ldquo;p\u0026rdquo; value \u0026ldquo;Sig\u0026rdquo; values are \u0026gt;\u0026thinsp;0.05 except for\u003cspan type=\"BoldItalic\" class=\"BoldItalic\" name=\"Emphasis\"\u003eSocial Norms\u003c/span\u003e. This means that there is significant variation in mean scores among the Employment Groups, showing the influence of friends, family members and colleagues in adopting Digital Banking Services among the Employment Status categories.\u003c/p\u003e \u003cp\u003eTable\u0026nbsp;6.5 tests the Null Hypothesis considering the current Users and Non- users of Digital Banking products and Services. This analysis is made to test the overall impact of Factors restricting non-users to restrain from Digital Banking irrespective of the Demographic variables. The Null Hypothesis for all the factors is accepted, where the Statistical Sig Value is \u0026gt;\u0026thinsp;0.05 except for \u003cspan type=\"BoldItalic\" class=\"BoldItalic\" name=\"Emphasis\"\u003eComplexity\u003c/span\u003e with a value of 0.028. This means that overall the respondents expressed that the suitability of the Existing product to their lifestyle and the procedural process is a bit difficult. This may be the main reason that restrains them from opting for Digital services effectively.\u003c/p\u003e\n\u003ch3\u003eFinding Of The Study\u003c/h3\u003e\n\u003cp\u003eBased on the discussion, the following major findings are revealed.\u003c/p\u003e \u003cp\u003e \u003cul\u003e \u003cli\u003e \u003cp\u003eThe study shows that the majority of the factors like Relative Advantage, Compatibility, Triable, Perceived Ese of Use, Perceived Usefulness, Security \u0026amp; Trust and Awareness have a positive influence when compared among the Users and Non-users of Digital Banking Services.\u003c/p\u003e \u003c/li\u003e \u003cli\u003e \u003cp\u003eThe study has a difference in mean scores in response to factors influencing Digital Banking when compared with categories based on Demographic Variables\u003c/p\u003e \u003c/li\u003e \u003cli\u003e \u003cp\u003eWhen analysing respondents, both existing Users and Non-Users of Digital Banking, it is found that the Complex nature of Digital Banking is hindering them from adopting Digital Services. the results of the study, when compared based on Gender, the same kind of results are found. Among the Genders Group males and females, there is a difference in Complexity.\u003c/p\u003e \u003c/li\u003e \u003cli\u003e \u003cp\u003eCompatibility varies concerning demographic Factors and Educational Qualifications. The suitability or fit of digital products and Services differ among the groups of customers based on their qualifications.\u003c/p\u003e \u003c/li\u003e \u003cli\u003e \u003cp\u003eThe influence of Social Norms is not the same concerning groups tested based on their Employment Status. The respondents with different professions have different means for the influence of their friends, colleagues and Family members in adopting Digital Banking services.\u003c/p\u003e \u003c/li\u003e \u003cli\u003e \u003cp\u003eThe overall Respondents express that Digital Banking Services are essential and they are willing to adopt them when certain provisions are provided.\u003c/p\u003e \u003c/li\u003e \u003c/ul\u003e \u003c/p\u003e"},{"header":"Conclusion","content":"\u003cp\u003eIn general, any innovation in the market has lower penetration in the initial stage of its introduction and requires suitable strategies to implement effectively. Many times customers watch and wait for the suitability of the product or service in adopting. The study revealed that the majority of the factors influencing Digital Banking among Users and Non-Users have no significant differences and have a positiveinfluence on customers\u0026rsquo; attitudes toward adopting Digital Banking Services. When compared among the demographic variables, there exist differences in influencing factors on the adoption of Digital Banking.It is also evident from the findings that there exist differences among the respondents in fully augmenting the Digital Banking services for Complexity. Since Digital Innovations in Banking deal with financial matters, customers will have a stringent approach to augmenting Digital Innovations in Banking. Most of the Digital applications designed to ensure security features in banking have complexity in their operational procedure. This results in difficulty for many Banking customers in making digital services as an opt decision. The operators of Digital services should consider the divergence of respondents based on different segments and design customised digital services and ensure product service suitability. The operational complexity can be reduced by reengineering or redesigning digital products to have ease of access and make Transactions without compromising security issues.\u003c/p\u003e"},{"header":"Declarations","content":"\u003cp\u003e\u003cstrong\u003eConflict of interest statement:\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eThe authors have no conflicts of interest. I agree and declare with the contents of the manuscript and there is no financial interest to report. I certify that the submission is original work and is not under review at any other publication.\u003c/p\u003e"},{"header":"References","content":"\u003col\u003e\n \u003cli\u003e\u003cspan\u003eAllen, F., Gu, X., \u0026amp; Jagtiani, J. (2020).A Survey of Fintech Research and Policy Discussion.\u003c/span\u003e\u003c/li\u003e\n \u003cli\u003e\u003cspan\u003eAnsong, A., Marfo-Yiadom, E., \u0026amp; Ekow-Asmah, E. (2011). 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Factors affecting digital divide in ICT-led agricultural information delivery: A comparative analysis.\u003c/span\u003e\u003c/li\u003e\n\u003c/ol\u003e"},{"header":"Tables","content":"\u003cp\u003e\u003cstrong\u003eTable:1 Showing Demographic Variables and their Percentages.\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\n\u003ctable border=\"1\" cellpadding=\"0\" cellspacing=\"0\"\u003e\n \u003ctbody\u003e\n \u003ctr\u003e\n \u003ctd colspan=\"2\" rowspan=\"2\" width=\"48.484848484848484%\"\u003e\n \u003cp\u003e\u003cstrong\u003eVariables\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd colspan=\"2\" width=\"20.2020202020202%\"\u003e\n \u003cp\u003e\u003cstrong\u003eNon-adopters\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd colspan=\"2\" width=\"14.141414141414142%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAdopters\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd colspan=\"2\" width=\"17.171717171717173%\"\u003e\n \u003cp\u003e\u003cstrong\u003eTotal Valid\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd width=\"16.3265306122449%\"\u003e\n \u003cp\u003e\u003cstrong\u003eN\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"22.448979591836736%\"\u003e\n \u003cp\u003e\u003cstrong\u003e%\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"12.244897959183673%\"\u003e\n \u003cp\u003e\u003cstrong\u003eN\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"16.3265306122449%\"\u003e\n \u003cp\u003e\u003cstrong\u003e%\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.285714285714286%\"\u003e\n \u003cp\u003e\u003cstrong\u003eN\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.367346938775512%\"\u003e\n \u003cp\u003e\u003cstrong\u003e%\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"2\" width=\"28.125%\"\u003e\n \u003cp\u003e\u003cstrong\u003eGender\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"20.833333333333332%\"\u003e\n \u003cp\u003eFemale\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.333333333333334%\"\u003e\n \u003cp\u003e22\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\n \u003cp\u003e20.6\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"6.25%\"\u003e\n \u003cp\u003e29\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.333333333333334%\"\u003e\n \u003cp\u003e27.1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"7.291666666666667%\"\u003e\n \u003cp\u003e51\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e47.7\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.985507246376812%\"\u003e\n \u003cp\u003eMale\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e14\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.942028985507246%\"\u003e\n \u003cp\u003e13.1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.695652173913043%\"\u003e\n \u003cp\u003e42\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e39.3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.144927536231885%\"\u003e\n \u003cp\u003e56\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.043478260869565%\"\u003e\n \u003cp\u003e52.3\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"4\" width=\"28.125%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAge\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"20.833333333333332%\"\u003e\n \u003cp\u003e18-27\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.333333333333334%\"\u003e\n \u003cp\u003e24\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\n \u003cp\u003e22.4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"6.25%\"\u003e\n \u003cp\u003e33\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.333333333333334%\"\u003e\n \u003cp\u003e30.8\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"7.291666666666667%\"\u003e\n \u003cp\u003e57\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e53.3\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.985507246376812%\"\u003e\n \u003cp\u003e28-37\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.942028985507246%\"\u003e\n \u003cp\u003e3.7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.695652173913043%\"\u003e\n \u003cp\u003e17\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e15.9\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.144927536231885%\"\u003e\n \u003cp\u003e21\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.043478260869565%\"\u003e\n \u003cp\u003e19.6\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.985507246376812%\"\u003e\n \u003cp\u003e38-47\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.942028985507246%\"\u003e\n \u003cp\u003e3.7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.695652173913043%\"\u003e\n \u003cp\u003e14\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e13.1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.144927536231885%\"\u003e\n \u003cp\u003e18\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.043478260869565%\"\u003e\n \u003cp\u003e16.8\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.985507246376812%\"\u003e\n \u003cp\u003eabove 48\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.942028985507246%\"\u003e\n \u003cp\u003e3.7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.695652173913043%\"\u003e\n \u003cp\u003e7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e6.5\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.144927536231885%\"\u003e\n \u003cp\u003e11\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.043478260869565%\"\u003e\n \u003cp\u003e10.3\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"4\" width=\"28.125%\"\u003e\n \u003cp\u003e\u003cstrong\u003eEducation\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"20.833333333333332%\"\u003e\n \u003cp\u003eDegree\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.333333333333334%\"\u003e\n \u003cp\u003e12\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\n \u003cp\u003e11.2\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"6.25%\"\u003e\n \u003cp\u003e8\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.333333333333334%\"\u003e\n \u003cp\u003e7.5\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"7.291666666666667%\"\u003e\n \u003cp\u003e20\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e18.7\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.985507246376812%\"\u003e\n \u003cp\u003eDiploma\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.942028985507246%\"\u003e\n \u003cp\u003e2.8\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.695652173913043%\"\u003e\n \u003cp\u003e2\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e1.9\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.144927536231885%\"\u003e\n \u003cp\u003e5\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.043478260869565%\"\u003e\n \u003cp\u003e4.7\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.985507246376812%\"\u003e\n \u003cp\u003eMaster\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e13\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.942028985507246%\"\u003e\n \u003cp\u003e12.1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.695652173913043%\"\u003e\n \u003cp\u003e40\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e37.4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.144927536231885%\"\u003e\n \u003cp\u003e53\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.043478260869565%\"\u003e\n \u003cp\u003e51.4\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.985507246376812%\"\u003e\n \u003cp\u003ePHD\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.942028985507246%\"\u003e\n \u003cp\u003e6.5\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.695652173913043%\"\u003e\n \u003cp\u003e21\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e19.6\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.144927536231885%\"\u003e\n \u003cp\u003e28\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.043478260869565%\"\u003e\n \u003cp\u003e26.2\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"5\" width=\"28.125%\"\u003e\n \u003cp\u003e\u003cstrong\u003eEmployment Status\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"20.833333333333332%\"\u003e\n \u003cp\u003eStudent\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.333333333333334%\"\u003e\n \u003cp\u003e25\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\n \u003cp\u003e23.4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"6.25%\"\u003e\n \u003cp\u003e33\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.333333333333334%\"\u003e\n \u003cp\u003e30.8\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"7.291666666666667%\"\u003e\n \u003cp\u003e58\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e54.2\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.985507246376812%\"\u003e\n \u003cp\u003eSelf Employed\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e2\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.942028985507246%\"\u003e\n \u003cp\u003e1.9\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.695652173913043%\"\u003e\n \u003cp\u003e5\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e4.7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.144927536231885%\"\u003e\n \u003cp\u003e7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.043478260869565%\"\u003e\n \u003cp\u003e6.5\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.985507246376812%\"\u003e\n \u003cp\u003eSalaried\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e5\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.942028985507246%\"\u003e\n \u003cp\u003e4.7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.695652173913043%\"\u003e\n \u003cp\u003e31\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e29.0\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.144927536231885%\"\u003e\n \u003cp\u003e36\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.043478260869565%\"\u003e\n \u003cp\u003e33.6\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.985507246376812%\"\u003e\n \u003cp\u003eRetirees\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.942028985507246%\"\u003e\n \u003cp\u003e3.7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.695652173913043%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e0.9\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.144927536231885%\"\u003e\n \u003cp\u003e5\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.043478260869565%\"\u003e\n \u003cp\u003e4.7\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.985507246376812%\"\u003e\n \u003cp\u003eOthers\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\u003cbr\u003e\u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.942028985507246%\"\u003e\n \u003cp\u003e0.0\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.695652173913043%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.594202898550725%\"\u003e\n \u003cp\u003e0.9\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.144927536231885%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.043478260869565%\"\u003e\n \u003cp\u003e0.9\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"28.125%\"\u003e\u003cbr\u003e\u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"20.833333333333332%\"\u003e\n \u003cp\u003e\u003cstrong\u003eTotal\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.333333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003e36\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003e33.6\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"6.25%\"\u003e\n \u003cp\u003e\u003cstrong\u003e71\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"8.333333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003e66.4\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"7.291666666666667%\"\u003e\n \u003cp\u003e\u003cstrong\u003e107\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e\u003cstrong\u003e100.0\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003c/tbody\u003e\n\u003c/table\u003e\n\u003cp\u003e\u003cstrong\u003eSource: Primary Data\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eTable .2: Opinion of the Respondents on Digital Banking as a new system of delivering banking services\u003c/strong\u003e.\u0026nbsp;\u003c/p\u003e\n\u003ctable border=\"1\" cellpadding=\"0\" cellspacing=\"0\"\u003e\n \u003ctbody\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"33.333333333333336%\"\u003e\u003cbr\u003e\u003c/td\u003e\n \u003ctd colspan=\"2\" valign=\"bottom\" width=\"27.083333333333332%\"\u003e\n \u003cp\u003eNon-Adopters\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd colspan=\"2\" valign=\"bottom\" width=\"18.75%\"\u003e\n \u003cp\u003eAdopters\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\u003cbr\u003e\u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003eValid\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"33.333333333333336%\"\u003e\u003cbr\u003e\u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003eN\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003e%\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003eN\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e%\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e%\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"33.333333333333336%\"\u003e\n \u003cp\u003eCannot say exactly\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003e8\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003e7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\n \u003cp\u003e11\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e10%\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"33.333333333333336%\"\u003e\n \u003cp\u003eDesirable\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003e7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003e7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e8\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e7\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\n \u003cp\u003e15\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e14%\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"33.333333333333336%\"\u003e\n \u003cp\u003eEssential\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003e21\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003e20\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e41\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e38\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\n \u003cp\u003e62\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e58%\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"33.333333333333336%\"\u003e\n \u003cp\u003eVital\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\u003cbr\u003e\u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003e0\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e19\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e18\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\n \u003cp\u003e19\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e18%\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"33.333333333333336%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003e36\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003e34\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e71\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e66\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"11.458333333333334%\"\u003e\n \u003cp\u003e107\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"9.375%\"\u003e\n \u003cp\u003e100%\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003c/tbody\u003e\n\u003c/table\u003e\n\u003cp\u003e\u003cstrong\u003eSource: Primary Data\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eTable.4 Usage of Digital banking modes by Respondents like Mobile banking. Online Banking, ATM banking, Agency Banking, Client Contact Centre and Mobile Applications.\u003c/strong\u003e\u003c/p\u003e\n\u003ctable border=\"1\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\"\u003e\n \u003ctbody\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"61.61616161616162%\"\u003e\u003cbr\u003e\u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"14.141414141414142%\"\u003e\n \u003cp\u003eN\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"24.242424242424242%\"\u003e\n \u003cp\u003eValid %\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"61.61616161616162%\"\u003e\n \u003cp\u003eAt least One Product\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"14.141414141414142%\"\u003e\n \u003cp\u003e26\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"24.242424242424242%\"\u003e\n \u003cp\u003e24\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"61.61616161616162%\"\u003e\n \u003cp\u003eTwo Products\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"14.141414141414142%\"\u003e\n \u003cp\u003e62\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"24.242424242424242%\"\u003e\n \u003cp\u003e58\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"61.61616161616162%\"\u003e\n \u003cp\u003eThree or more Products\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"14.141414141414142%\"\u003e\n \u003cp\u003e19\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"24.242424242424242%\"\u003e\n \u003cp\u003e18\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"61.61616161616162%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"14.141414141414142%\"\u003e\n \u003cp\u003e107\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"24.242424242424242%\"\u003e\n \u003cp\u003e100\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003c/tbody\u003e\n\u003c/table\u003e\n\u003cp\u003e\u003cstrong\u003eSource: Primary Data\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003e\u003cimg 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\" width=\"581\" height=\"173\"\u003e\u003c/strong\u003e\u003cbr\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eSource: Primary Data\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eTable.5 Opening of Respondents seeking to Adopt Digital Banking if the following provisions are made.\u003c/strong\u003e\u003c/p\u003e\n\u003ctable border=\"1\" cellpadding=\"0\" cellspacing=\"0\"\u003e\n \u003ctbody\u003e\n \u003ctr\u003e\n \u003ctd\u003e\n \u003cp\u003e\u003cstrong\u003eProvisions Respondents seeking\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003eN\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003eValid %\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd\u003e\n \u003cp\u003ea) Free training on the use of digital banking\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003e47\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003e29%\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd\u003e\n \u003cp\u003eb) Cheaper costs of using digital banking technologies\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003e60\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003e37%\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd\u003e\n \u003cp\u003ec) Greater security and assurance of the safety of digital banking technologies\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003e55\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003e34%\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd\u003e\n \u003cp\u003ed) Other\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003e2\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003e1%\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003e\u003cstrong\u003eTotal Responses\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003e\u003cstrong\u003e164\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\"\u003e\n \u003cp\u003e\u003cstrong\u003e100%\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003c/tbody\u003e\n\u003c/table\u003e\n\u003cp\u003e\u003cstrong\u003eSource: Primary Data\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eTable .6.1 H\u003csub\u003e01\u003c/sub\u003eThere is no significant difference in factors influencing customers\u0026apos; behaviour in the adoption of Digital banking based on\u0026nbsp;\u003c/strong\u003e\u003cstrong\u003eGender.\u003c/strong\u003e\u003c/p\u003e\n\u003ctable border=\"1\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\"\u003e\n \u003ctbody\u003e\n \u003ctr\u003e\n \u003ctd colspan=\"8\" valign=\"bottom\" width=\"100%\"\u003e\n \u003cp\u003eANOVA\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"21.875%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.625%\"\u003e\n \u003cp\u003eSum of Squares\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"5.208333333333333%\"\u003e\n \u003cp\u003edf\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003eMean Square\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"7.291666666666667%\"\u003e\n \u003cp\u003eF\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"5.208333333333333%\"\u003e\n \u003cp\u003eSig.\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003eH\u003csub\u003e0\u003c/sub\u003e\u003c/p\u003e\n \u003cp\u003eAccept/Reject\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eRelative Advantage\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e1.402\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e1.402\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e1.151\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.286\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003eAccept\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e127.865\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.218\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e129.266\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eCompatibility\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e1.101\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e1.101\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e.893\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.347\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003eAccept\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e129.371\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.232\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e130.472\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eComplexity\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e1.284\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e1.284\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e4.244\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.042\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003eReject\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e31.776\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e.303\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e33.061\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eTriability\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e1.262\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e1.262\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e.807\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.371\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003eAccept\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e164.159\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.563\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e165.421\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003ePerceived Ease of Use\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e.034\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e.034\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e.135\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.714\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003eAccept\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e26.755\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e.255\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e26.790\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003ePerceived Usefulness\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e2.115\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e2.115\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e2.144\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.146\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003eAccept\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e103.584\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e.987\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e105.699\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eSocial Norms\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e.152\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e.152\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e.116\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.734\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003eAccept\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e137.410\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.309\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e137.562\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eSecurity and Trust\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e1.905\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e1.905\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e1.512\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.222\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003eAccept\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e132.282\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.260\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e134.187\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eAwareness\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e3.677\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e3.677\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e3.381\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.069\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003eAccept\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e114.174\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.087\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e117.850\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003c/tbody\u003e\n\u003c/table\u003e\n\u003cp\u003e\u003cstrong\u003eSource: Primary Data\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eTable .6.2 H\u003csub\u003e02\u0026nbsp;\u003c/sub\u003eThere is no significant difference in factors influencing customers in the adoption of Digital banking based on\u0026nbsp;\u003c/strong\u003e\u003cstrong\u003eAge\u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\n\u003ctable border=\"1\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\"\u003e\n \u003ctbody\u003e\n \u003ctr\u003e\n \u003ctd colspan=\"8\" valign=\"bottom\" width=\"100%\"\u003e\n \u003cp\u003eANOVA\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"21.875%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"15.625%\"\u003e\n \u003cp\u003eSum of Squares\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"5.208333333333333%\"\u003e\n \u003cp\u003edf\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.541666666666666%\"\u003e\n \u003cp\u003eMean Square\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"7.291666666666667%\"\u003e\n \u003cp\u003eF\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"5.208333333333333%\"\u003e\n \u003cp\u003eSig.\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003eH\u003csub\u003e0\u003c/sub\u003e\u003c/p\u003e\n \u003cp\u003eAccept/Reject\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eRelative Advantage\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e3.098\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e1.033\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e.843\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.473\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e126.168\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e103\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.225\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e129.266\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eCompatibility\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e7.434\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e2.478\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e2.074\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.108\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e123.038\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e103\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.195\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e130.472\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eComplexity\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e1.132\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e.377\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e1.217\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.307\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e31.929\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e103\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e.310\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e33.061\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eTriability\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e1.071\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e.357\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e.224\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.880\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e164.350\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e103\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.596\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e165.421\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003ePerceived Ease of Use\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e.189\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e.063\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e.244\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.866\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e26.601\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e103\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e.258\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e26.790\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003ePerceived Usefulness\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e2.124\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e.708\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e.704\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.552\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e103.575\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e103\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.006\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e105.699\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eSocial Norms\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e3.241\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e1.080\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e.828\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.481\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e134.321\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e103\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.304\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e137.562\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eSecurity and Trust\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e1.106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e.369\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e.285\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.836\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e133.081\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e103\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.292\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e134.187\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"21.875%\"\u003e\n \u003cp\u003eAwareness\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.666666666666668%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"15.625%\"\u003e\n \u003cp\u003e.771\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e3\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.541666666666666%\"\u003e\n \u003cp\u003e.257\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"7.291666666666667%\"\u003e\n \u003cp\u003e.226\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"5.208333333333333%\"\u003e\n \u003cp\u003e.878\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"14.583333333333334%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e117.080\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e103\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e1.137\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"26.229508196721312%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"24.59016393442623%\"\u003e\n \u003cp\u003e117.850\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"21.311475409836067%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"11.475409836065573%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"8.19672131147541%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003c/tbody\u003e\n\u003c/table\u003e\n\u003cp\u003e\u003cstrong\u003eSource: Primary Data\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eTable .6.3 \u0026nbsp;H\u003csub\u003e03\u0026nbsp;\u003c/sub\u003eThere is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on\u0026nbsp;\u003c/strong\u003e\u003cstrong\u003eEducation\u003c/strong\u003e\u003c/p\u003e\n\u003ctable border=\"1\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\"\u003e\n \u003ctbody\u003e\n \u003ctr\u003e\n \u003ctd colspan=\"8\" valign=\"bottom\" width=\"100%\"\u003e\n \u003cp\u003eANOVA\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003eSum of Squares\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003edf\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eMean Square\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003eF\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003eSig.\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eH\u003csub\u003e0\u003c/sub\u003e\u003c/p\u003e\n \u003cp\u003eAccept/Reject\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eRelative Advantage\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e6.658\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.664\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.385\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.245\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e122.609\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.202\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e129.266\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eCompatibility\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e17.992\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e4.498\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4.079\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.004\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eReject\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e112.480\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.103\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e130.472\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eComplexity\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.750\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e.187\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.592\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.669\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e32.311\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e.317\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e33.061\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eTriability\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e7.680\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.920\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.242\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.298\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e157.740\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.546\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e165.421\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003ePerceived Ease of Use\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.474\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e.119\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.460\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.765\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e26.315\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e.258\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e26.790\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003ePerceived Usefulness\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e6.441\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.610\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.655\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.166\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e99.258\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e.973\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105.699\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eSocial Norms\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e6.515\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.629\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.268\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.288\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e131.046\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.285\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e137.562\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eSecurity and Trust\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e7.398\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.850\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.488\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.211\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e126.789\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.243\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e134.187\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eAwareness\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e5.872\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.468\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.337\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.261\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e111.978\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.098\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e117.850\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003c/tbody\u003e\n\u003c/table\u003e\n\u003cp\u003e\u003cstrong\u003eSource: Primary Data\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eTable .6.4 H\u003csub\u003e04\u0026nbsp;\u003c/sub\u003eThere is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking based on Employment Status\u003c/strong\u003e\u003c/p\u003e\n\u003ctable border=\"1\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\"\u003e\n \u003ctbody\u003e\n \u003ctr\u003e\n \u003ctd colspan=\"8\" valign=\"bottom\" width=\"100%\"\u003e\n \u003cp\u003e\u003cstrong\u003eANOVA\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003e\u003cstrong\u003eSum of Squares\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003e\u003cstrong\u003edf\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eMean Square\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003e\u003cstrong\u003eF\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003e\u003cstrong\u003eSig.\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eH\u003csub\u003e0\u003c/sub\u003e\u003c/strong\u003e\u003c/p\u003e\n \u003cp\u003e\u003cstrong\u003eAccept/Reject\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eRelative Advantage\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e7.457\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.864\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.561\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.190\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e121.809\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.194\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e129.266\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eCompatibility\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e8.371\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e2.093\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.748\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.145\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e122.101\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.197\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e130.472\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eComplexity\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.937\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e.484\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.587\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.183\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e31.123\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e.305\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e33.061\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eTriability\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e7.610\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.902\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.230\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.303\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e157.811\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.547\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e165.421\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003ePerceived Ease of Use\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.804\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e.201\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.789\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.535\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e25.985\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e.255\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e26.790\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003ePerceived Usefulness\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e5.192\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.298\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.317\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.269\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e100.507\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e.985\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105.699\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eSocial Norms\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e16.523\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e4.131\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e3.481\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.010\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eReject\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e121.039\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.187\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e137.562\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eSecurity and Trust\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4.616\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.154\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.908\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.462\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e129.571\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.270\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e134.187\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eAwareness\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e6.567\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.642\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.505\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.206\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e111.284\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e102\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.091\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e117.850\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003c/tbody\u003e\n\u003c/table\u003e\n\u003cp\u003e\u003cstrong\u003eSource: Primary Data\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eTable .6.5 H\u003csub\u003e05\u003c/sub\u003eThere is no significant difference in factors influencing perceptions of customers in the adoption of Digital banking among the existing users and Non-users of Digital Banking services. \u0026nbsp;\u003c/strong\u003e\u003c/p\u003e\n\u003ctable border=\"1\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\"\u003e\n \u003ctbody\u003e\n \u003ctr\u003e\n \u003ctd colspan=\"8\" valign=\"bottom\" width=\"100%\"\u003e\n \u003cp\u003e\u003cstrong\u003eANOVA\u003c/strong\u003e\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"bottom\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003eSum of Squares\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003edf\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eMean Square\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003eF\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"bottom\" width=\"10.526315789473685%\"\u003e\n \u003cp\u003eSig.\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eH\u003csub\u003e0\u003c/sub\u003e\u003c/p\u003e\n \u003cp\u003eAccept/Reject\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eRelative Advantage\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.610\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e.610\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.498\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.482\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e128.656\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.225\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e129.266\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eCompatibility\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.250\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e.250\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.202\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.654\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e130.222\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.240\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e130.472\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eComplexity\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.500\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.500\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e4.990\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.028\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eReject\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e31.561\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e.301\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e33.061\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eTriability\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.111\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e.111\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.070\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.791\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e165.310\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.574\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e165.421\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003ePerceived Ease of Use\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.061\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e.061\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.239\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.626\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e26.729\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e.255\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e26.790\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003ePerceived Usefulness\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.822\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e1.822\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.842\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.178\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e103.876\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e.989\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105.699\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eSocial Norms\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e2.000\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e2.000\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1.549\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.216\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e135.561\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.291\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e137.562\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eSecurity and Trust\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.084\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e.084\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.066\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.798\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccept\u003c/strong\u003e\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e134.103\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.277\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e134.187\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003eAwareness\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd valign=\"top\" width=\"16.842105263157894%\"\u003e\n \u003cp\u003eBetween Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.469\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e1\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"13.68421052631579%\"\u003e\n \u003cp\u003e.469\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.419\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"10.526315789473685%\"\u003e\n \u003cp\u003e.519\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd rowspan=\"3\" valign=\"top\" width=\"13.68421052631579%\"\u003e\n \u003cp\u003e\u003cstrong\u003eAccep\u003c/strong\u003et\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eWithin Groups\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e117.382\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e105\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e1.118\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003ctr\u003e\n \u003ctd valign=\"top\" width=\"23.18840579710145%\"\u003e\n \u003cp\u003eTotal\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e117.850\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e106\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"18.840579710144926%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003ctd width=\"14.492753623188406%\"\u003e\n \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n \u003c/td\u003e\n \u003c/tr\u003e\n \u003c/tbody\u003e\n\u003c/table\u003e\n\u003cp\u003e\u003cstrong\u003eSource: Primary Data\u003c/strong\u003e\u003c/p\u003e"}],"fulltextSource":"","fullText":"","funders":[],"hasAdminPriorityOnWorkflow":false,"hasManuscriptDocX":true,"hasOptedInToPreprint":true,"hasPassedJournalQc":"","hasAnyPriority":true,"hideJournal":true,"highlight":"","institution":"","isAcceptedByJournal":false,"isAuthorSuppliedPdf":false,"isDeskRejected":"","isHiddenFromSearch":false,"isInQc":false,"isInWorkflow":false,"isPdf":false,"isPdfUpToDate":true,"isWithdrawnOrRetracted":false,"journal":{"display":true,"email":"[email protected]","identity":"researchsquare","isNatureJournal":false,"hasQc":true,"allowDirectSubmit":true,"externalIdentity":"","sideBox":"","snPcode":"","submissionUrl":"/submission","title":"Research Square","twitterHandle":"researchsquare","acdcEnabled":true,"dfaEnabled":false,"editorialSystem":"","reportingPortfolio":"","inReviewEnabled":false,"inReviewRevisionsEnabled":true},"keywords":"Digital Banking, Customer Behaviour, TAM Model, Adoption and Digital Technologies","lastPublishedDoi":"10.21203/rs.3.rs-2404748/v1","lastPublishedDoiUrl":"https://doi.org/10.21203/rs.3.rs-2404748/v1","license":{"name":"CC BY 4.0","url":"https://creativecommons.org/licenses/by/4.0/"},"manuscriptAbstract":"\u003cp\u003eThe digitalisation of banking services is certainly a positive note that reduces the fatigue of the customers by operating their transactions through their mobile gadgets and other electronic instruments using the internet. However, the research literature demonstrates that Digital initiatives not only has positive connotation but has created a digital divide among the demographics across the communities (Benda et al, \u003cspan citationid=\"CR9\" class=\"CitationRef\"\u003e2011\u003c/span\u003e) the studies also show evidence that there exists a huge gap among age groups, gender, income levels and socio-cultural groups in availing digital technologies in financial,especially the banking sector (Upadhyaya, L., et al, \u003cspan citationid=\"CR29\" class=\"CitationRef\"\u003e2018\u003c/span\u003e).\u003c/p\u003e \u003cp\u003eThe present study is an attemptwhich focuses on understanding the changing and existing phenomenon of banking with special reference to Digitalisation and the adoption process of these new technologies by customers. The study mainly takes the constructs from Technology acceptance Models to test whether there exists any digital divide among the demographics in the study.\u003c/p\u003e","manuscriptTitle":"Analyzing the digital divide among the demographics in the State of Telangana with reference to adoption of Digital Banking services.","msid":"","msnumber":"","nonDraftVersions":[{"code":1,"date":"2023-01-09 17:22:10","doi":"10.21203/rs.3.rs-2404748/v1","editorialEvents":[{"type":"communityComments","content":0}],"status":"published","journal":{"display":true,"email":"[email protected]","identity":"researchsquare","isNatureJournal":false,"hasQc":true,"allowDirectSubmit":true,"externalIdentity":"","sideBox":"","snPcode":"","submissionUrl":"/submission","title":"Research Square","twitterHandle":"researchsquare","acdcEnabled":true,"dfaEnabled":false,"editorialSystem":"","reportingPortfolio":"","inReviewEnabled":false,"inReviewRevisionsEnabled":true}}],"origin":"","ownerIdentity":"9d2686f0-d7b5-49a3-8768-5ef85f714ca9","owner":[],"postedDate":"January 9th, 2023","published":true,"recentEditorialEvents":[],"rejectedJournal":[],"revision":"","amendment":"","status":"posted","subjectAreas":[],"tags":[],"updatedAt":"2023-01-09T17:22:10+00:00","versionOfRecord":[],"versionCreatedAt":"2023-01-09 17:22:10","video":"","vorDoi":"","vorDoiUrl":"","workflowStages":[]},"version":"v1","identity":"rs-2404748","journalConfig":"researchsquare"},"__N_SSP":true},"page":"/article/[identity]/[[...version]]","query":{"redirect":"/article/rs-2404748","identity":"rs-2404748","version":["v1"]},"buildId":"rHA-KDH7Qsr4HCuvH75dn","isFallback":false,"isExperimentalCompile":false,"dynamicIds":[84888],"gssp":true,"scriptLoader":[]}