.2 .2 4.2 Ph .11 11 12 .14 16 16 .16 17 18 18 20 21 28 1.4 28 28 31 32 .32 34 ANK) 36 36 2.1.1 36 2012 38 42 42 .44 44 .48 51 51 51 59 .59 61 64 64 .66 ANK) 69 - 2020 69 71 71 72 .74 .76 77 .78 79 PH L PH L C 4: H I QUY PH L BI N PH L C 6: M T S PH L C 7: M T S NT D CH V NT C A VPBANK 39 - 2012 39 44 45 46 - 2012 47 .48 50 .55 56 B ng 2.10: K t qu h ns ch ng c a VPBank 57 58 .3 .17 22 .51 52 3: Bi 4: Bi 5: Bi m u 52 u th i gian s d ng d ch v m t l thu nh p m u 53 u 53 54 54 .54 ACB CTG DAB HSBC NH NHNN NHTM VCB VPBANK Theo xu ,t s NHNN (VPBank) DSS1 (Payment Card Industry Data Security Standard - Standards Council) - STC L n KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy .833 Approx Chi-Square Bartlett's Test of Sphericity 336.426 df 10 Sig .000 Total Variance Explained Component Initial Eigenvalues Total % of Variance Extraction Sums of Squared Loadings Cumulative % 3.166 63.328 63.328 669 13.375 76.704 450 8.998 85.702 403 8.068 93.769 312 6.231 100.000 Extraction Method: Principal Component Analysis Component Matrix a Component STC3 837 STC2 816 STC1 814 STC4 790 STC5 716 Extraction Method: Principal Component Analysis a components extracted Total 3.166 % of Variance 63.328 Cumulative % 63.328 SBM KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy .785 Approx Chi-Square Bartlett's Test of Sphericity 298.587 df Sig .000 Total Variance Explained Component Initial Eigenvalues Total % of Variance Extraction Sums of Squared Loadings Cumulative % 2.803 70.072 70.072 545 13.637 83.709 405 10.137 93.846 246 6.154 100.000 Extraction Method: Principal Component Analysis Component Matrix a Component SBM3 889 SBM4 836 SBM2 811 SBM1 810 Extraction Method: Principal Component Analysis a components extracted Total 2.803 % of Variance 70.072 Cumulative % 70.072 NPV KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy .807 Approx Chi-Square Bartlett's Test of Sphericity 253.512 df Sig .000 Total Variance Explained Component Initial Eigenvalues Total % of Variance Extraction Sums of Squared Loadings Cumulative % 2.708 67.696 67.696 561 14.013 81.709 383 9.566 91.275 349 8.725 100.000 Extraction Method: Principal Component Analysis Component Matrix a Component NPV3 858 NPV4 854 NPV2 814 NPV1 762 Extraction Method: Principal Component Analysis a components extracted Total 2.708 % of Variance 67.696 Cumulative % 67.696 SPU KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy .688 Approx Chi-Square Bartlett's Test of Sphericity 163.322 df Sig .000 Total Variance Explained Component Initial Eigenvalues Total % of Variance Extraction Sums of Squared Loadings Cumulative % 2.164 72.119 72.119 514 17.148 89.266 322 10.734 100.000 Extraction Method: Principal Component Analysis Component Matrix a Component SPU2 888 SPU3 851 SPU1 807 Extraction Method: Principal Component Analysis a components extracted Total 2.164 % of Variance 72.119 Cumulative % 72.119 SLH KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy .692 Approx Chi-Square Bartlett's Test of Sphericity 140.606 df Sig .000 Total Variance Explained Component Initial Eigenvalues Total % of Variance Extraction Sums of Squared Loadings Cumulative % 2.102 70.079 70.079 518 17.274 87.352 379 12.648 100.000 Extraction Method: Principal Component Analysis Component Matrix a Component SLH2 868 SLH3 833 SLH1 809 Extraction Method: Principal Component Analysis a components extracted Total 2.102 % of Variance 70.079 Cumulative % 70.079 SHL KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy .750 Approx Chi-Square Bartlett's Test of Sphericity 396.337 df Sig .000 Total Variance Explained Component Initial Eigenvalues Total % of Variance Extraction Sums of Squared Loadings Cumulative % 2.632 87.749 87.749 232 7.717 95.466 136 4.534 100.000 Extraction Method: Principal Component Analysis Component Matrix a Component SHL2 954 SHL1 933 SHL3 923 Extraction Method: Principal Component Analysis a components extracted Total 2.632 % of Variance 87.749 Cumulative % 87.749 PH L C 4: H I QUY Variables Entered/Removed Model Variables Variables Entered a Method Removed SLH, SHQ, NPV, SBM, Enter b STC, SPU a Dependent Variable: SHL b All requested variables entered b Model Summary Model R R Adjusted Std Error Square R of the R Square Square Estimate Change 889 a 790 782 Change Statistics 4668855 df1 df2 Sig F 97.265 155 000 a Predictors: (Constant), SLH, SHQ, NPV, SBM, STC, SPU b Dependent Variable: SHL a ANOVA Model Sum of Squares Regression Residual Total df Watson Change 790 F Change Durbin- Mean Square 127.213 21.202 33.787 155 218 161.000 161 a Dependent Variable: SHL b Predictors: (Constant), SLH, SHQ, NPV, SBM, STC, SPU F 97.265 Sig .000 b 2.206 Coefficients Model Unstandardized Standardized Coefficients Coefficients B Sig 95.0% Confidence Correlations -1.499E- Beta Lower 037 Collinearity Statistics Interval for B Upper Zero- Bound (Constant Std Error t a Bound Partial Part Tolerance VIF order 000 1.000 -.072 072 083 1.510 133 -.026 193 687 120 056 443 2.256 064 117 1.840 068 -.009 242 751 146 068 335 2.982 227 064 227 3.569 000 101 352 783 276 131 335 2.986 NPV 225 059 225 3.813 000 108 341 772 293 140 389 2.568 SPU 208 064 208 3.225 002 080 335 787 251 119 327 3.059 SLH 176 058 176 3.035 003 061 291 741 237 112 402 2.487 ) SHQ 083 055 STC 016 117 SBM a Dependent Variable: SHL PH L SHQ1 SHQ2 SHQ3 SHQ4 SHQ5 STC1 STC2 STC3 STC4 STC5 STC6 SBM1 SBM2 SBM3 SBM4 NPV1 NPV2 NPV3 NPV4 SPU1 SPU2 SPU3 SLH1 SLH2 SLH3 Valid N (listwise) N Statistic 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 162 Minimum Statistic Maximum Statistic 1 1 2 2 2 2 2 2 2 2 5 5 5 5 5 5 5 5 5 5 5 5 Descriptive Statistics Mean Std Deviation Statistic Statistic 3.75 798 3.88 746 3.83 774 3.88 832 3.91 852 3.96 771 3.91 721 3.93 646 3.81 776 4.01 709 4.07 715 4.01 752 4.02 764 3.88 746 3.85 733 3.85 724 3.73 878 3.77 766 3.77 760 3.81 733 3.97 759 3.80 715 3.77 769 4.01 756 4.02 747 BI N Skewness Statistic Std Error -.549 191 -.706 191 -.678 191 -.680 191 -.444 191 -.759 191 -.465 191 -.491 191 -.378 191 -.432 191 -.513 191 -.454 191 -.465 191 -.433 191 -.337 191 -.165 191 -.443 191 -.423 191 -.263 191 -.559 191 -.465 191 -.195 191 -.485 191 -.457 191 -.673 191 Kurtosis Statistic Std Error 432 379 712 379 882 379 503 379 -.096 379 1.152 379 348 379 934 379 -.079 379 244 379 323 379 006 379 -.083 379 147 379 031 379 -.270 379 119 379 033 379 -.173 379 435 379 054 379 -.119 379 109 379 -.025 379 1.122 379 PH L C 6: M T S NT - - - - - 09/06/2006 - - - -NHNN - - - - - g - - - - - - - - - - PH L C 7: M T S D CH V C A VPBANK NT - MasterCard - - VPBank - tinum kh thu cao -Card (E-Card) kh-ca-nhan/the ... chung , (2) , (3) G M Nam Th Th c tr ng d ch v nt c a ng di n sao? u ki TMCP Vi t Nam Th o? t n d ch v ng a nt c a ng t n ti p t c b h ch nt c a t Nam Th B ng n d ch v TMCP Vi t Nam Th ng ng d ch... cho nt im (1) , (2 u: T (3) Th u li t Nam Th li u th c p t p (kh h chung 1/2 ng n h t 2012, 7/2013 p d li u th c p: n, t a t Nam Th c u t Nam Th ng, ng, : t Nam Th ng, cafef.vn, vietstock.vn, stox.vn,... i p d li c ph ng v ng c thu th ng b thu n ti n v d ch v p, d li nt c a u tra m u d ng TMCP Vi t Nam Th ng s d thu li u v i s h tr c a ph n m m Exel o o o o o o n 1.1 1.1.1 T - , ) ng nh t, t