Security Convenienc

Time SavinAcceptance Wide rangeGovernment Push

Price of UsBenefits suCustomer C
1 2 1 2 3 1 2 1 4
4 1 2 3 2 1 2 4 5
1 2 3 1 2 1 1 3 5
1 2 3 4 5 3 2 2 2
1 1 2 3 4 2 5 3 4
2 1 1 1 4 1 4 1 5
2 1 2 2 1 1 2 2 3
4 5 5 5 5 5 2 3 5
1 3 2 1 2 2 1 2 3
1 1 1 1 3 4 1 1 4
1 2 1 2 4 2 5 3 4
5 5 5 3 4 5 4 4 3
3 2 3 3 2 3 3 2 3
2 2 1 4 3 4 5 5 5
1 3 3 3 2 2 2 3 3
2 1 3 1 2 3 3 2 5
1 2 2 1 2 3 1 2 2
4 3 4 5 4 5 4 5 4
1 2 2 2 3 3 4 5 5
1 5 3 1 1 1 3 4 4
1 1 1 1 5 4 3 2 4
1 2 2 2 3 2 1 1 2
5 4 4 3 3 5 4 4 4
PCA Method
KMO and Bartlett's Test
Kaiser-Meyer-Olkin Measure of Sampling Adequacy.
Bartlett's Test of Sphericity Approx. Chi-Square
df
Sig.

Communalities
Initial
Security 1.000
Convenience in use 1.000
Time Saving through digital payment mode 1.000
Acceptance of Wallet/digital payment mode across merchants 1.000
Price of Using digital payment mode (service charges etc.) 1.000
Benefits such as discounts, cashbacks, promotions, offers etc 1.000
Customer Care Service 1.000
Wide range of services offered - bill payments; mobile recharge, subscriptions, UPI etc 1.000
Government Push 1.000
Extraction Method: Principal Component Analysis.

Total Variance Explained

Initial Eigenvalues

Component Total
1 3.768
2 1.670
3 1.275
4 0.646
5 0.542
6 0.437
7 0.371
8 0.167
9 0.125
Extraction Method: Principal Component Analysis.

Component Matrixa
Component
1
Security 0.803
Convenience in use 0.669
Time Saving through digital payment mode 0.767
Acceptance of Wallet/digital payment mode across merchants 0.780
Price of Using digital payment mode (service charges etc.) 0.414
Benefits such as discounts, cashbacks, promotions, offers etc 0.748
Customer Care Service 0.477
Wide range of services offered - bill payments; mobile recharge, subscriptions, UPI etc 0.697
Government Push
Extraction Method: Principal Component Analysis.
a. 3 components extracted.

Rotated Component Matrixa

Component
1
Security 0.736
Convenience in use 0.848
Time Saving through digital payment mode 0.922
Acceptance of Wallet/digital payment mode across merchants 0.559
Price of Using digital payment mode (service charges etc.)
Benefits such as discounts, cashbacks, promotions, offers etc 0.511
Customer Care Service
Wide range of services offered - bill payments; mobile recharge, subscriptions, UPI etc 0.553
Government Push
Extraction Method: Principal Component Analysis.
Rotation Method: Varimax with Kaiser Normalization.
a. Rotation converged in 4 iterations.

Component Transformation Matrix

Component 1
1 0.808
2 -0.503
3 -0.308
Extraction Method: Principal Component Analysis.
Rotation Method: Varimax with Kaiser Normalization.

Exploratory factor analysis

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.
Bartlett's Test of Sphericity Approx. Chi-Square
df
Sig.

Total Variance Explained

Initial Eigenvalues

Factor Total
1 3.768
2 1.670
3 1.275
4 0.646
5 0.542
6 0.437
7 0.371
8 0.167
9 0.125
Extraction Method: Maximum Likelihood.

Factor Correlation Matrix

Factor 1
1 1.000
2 0.409
3 -0.185

Case Processing Summary

Cases Valid
Excludeda
Total
a. Listwise deletion based on all variables in the procedure.

Reliability Statistics
Cronbach's Alpha N of Items
0.829 3
 0.606
84.605
36
0.000

Extraction
0.670
0.721
0.867
0.654
0.874
0.714
0.735
0.792
0.685

ance Explained
Extraction Sums of Squared
Initial Eigenvalues Loadings Rotation Sums of Squared Loadings
% of Cumulative % of Cumulative % of Cumulative
Variance % Total Variance % Total Variance %
41.869 41.869 3.768 41.869 41.869 3.002 33.354 33.354
18.561 60.430 1.670 18.561 60.430 1.861 20.682 54.037
14.162 74.592 1.275 14.162 74.592 1.850 20.555 74.592
7.173 81.765
6.017 87.782
4.854 92.636
4.119 96.755
1.851 98.606
1.394 100.000

Component
2 3

-0.463
-0.503

0.786
0.389
0.712
 0.304 -0.463
0.712 -0.379

Component .
2 3

0.551
0.932
0.670
0.764 0.388
0.698
0.820

2 3
0.354 0.471
0.831 0.237
-0.428 0.850

0.606
84.605
36
0.000

Extraction Sums of Squared

Initial Eigenvalues Loadings Rotation Sums of Squared Loadings
% of Cumulative % of Cumulative % of Cumulative
Variance % Total Variance % Total Variance %
41.869 41.869 3.686 40.960 40.960 2.699 29.991 29.991
18.561 60.430 1.691 18.791 59.751 2.121 23.572 53.563
14.162 74.592 1.173 13.036 72.787 1.730 19.224 72.787
7.173 81.765
6.017 87.782
4.854 92.636
4.119 96.755
1.851 98.606
1.394 100.000

2 3
0.409 -0.185
1.000 0.058
0.058 1.000

N %
23 100.0
0 0.0
23 100.0

Factors Chosesn for Cronbach's Alphs

Security
Convenience in use
Time Saving through digital payment mode