lampiran pengukuran penerimaan teknologi e-bangking oleh...
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Lampiran
Pengukuran Penerimaan Teknologi E-bangking Oleh Nasabah pada
Bank Pemerintah Dengan menggunakan kan model UTAUT dalam
rangka mencapai Keunggulan bersaing
Kepada Yth.
Bapak/Ibu
Kami sedang melakukan penelitian dengan judul “Pengukuran Penerimaan Teknologi E-Banking Oleh
Nasabah Pada Bank Pemerintah Dengan Menggunakan Model UTAUT Dalam Rangka Mencapai
Keunggulan Bersaing“. Untuk itu, dengan rendah hati kami mohon kesediaan Anda untuk menjawab
beberapa pernyataan di bawah ini.
Atas kesediaannya, kami sampaikan banyak terima kasih.
Petunjuk Pengisian:
1. Isilah pertanyaan pada kuesioner ini dan jangan ada yang terlewatkan.
2. Isilah titik-titik pada tempat yang sudah tersedia.
3. (*) coret yang tidak perlu.
Data responden:
1. Name
2. Apakah anda mempunyai bank Account
3. Apakah Anda mempunyai Internet
Banking account. 4. Apakah Anda mempunyai mobile Banking
5. Apakah Anda mempunyai SMS Banking
6. Apakah Anda mempunyai Phone Banking
7. Apakah Anda sudah mempunya pengalaman
mengunakan E-banking
8. Apakah anda menggunakan E-banking
dengan paksaan
9. Jenis Kelamin
10. Usia
Apakah Anda mempunyai account di bank
Mandiri BNI46 BTN BRI
: ................................
: YA TIDAK
: YA TIDAK
: YA TIDAK
: YA TIDAK
: YA TIDAK
: YA TIDAK
: YA TIDAK
: PRIA WANITA
: Di bawah 25 tahun
Di Atas 25 Tahun
Sudah berapa tahun menggunakan E-banking
Mengunakan E-banking dimana saja : ……………………
Berapa account bank yang Anda punya : ................................
Lampiran
Pengukuran Penerimaan Teknologi E-bangking Oleh Nasabah pada
Bank Pemerintah Dengan menggunakan kan model UTAUT dalam
rangka mencapai Keunggulan bersaing
Petunjuk Pengisian:
SS : Sangat Setuju
S : Setuju
CS : Cukup Setuju
TS : Tidak Setuju
STS : Sangat Tidak Setuju
Berilah tanda silang (x) pada kolom di masing-masing pernyataan di bawah ini yang menurut anda
sesuai dengan yang anda rasakan.
No Pernyataan
Pilihan
Sangat
Tidak
Setuju
(STS)
Tidak
Setuju
(TS)
Cukup
Stuju
(CS)
Setuju
(S)
Sangat
Setuju
(SS)
1.
E-banking sangat
berguna dalam
transaksi perbankan
saya
(STS)
(TS)
(CS) (S)
(SS)
2.
E-banking
memberikan
kesempatan saya
untuk mendapatkan
layanan perbankan
secara lebih baik
(STS)
(TS)
(CS) (S)
(SS)
3.
E-banking sangat
membantu kinerja
aktivitas keuangan
saya karena saya tidak
perlu ke bank.
(STS)
(TS)
(CS) (S)
(SS)
4.
E-banking merupakan
inovasi produk
perbankan, lebih baik
dari produk perbankan
sebelumnya
(STS)
(TS)
(CS) (S)
(SS)
5
E-banking
meningkatkan
efektivitas
memanfaatkan jasa
perbankan
(STS)
(TS)
(CS) (S)
(SS)
Lampiran
Pengukuran Penerimaan Teknologi E-bangking Oleh Nasabah pada
Bank Pemerintah Dengan menggunakan kan model UTAUT dalam
rangka mencapai Keunggulan bersaing
6
Produk e-banking
sangat mudah
dipahami
(STS)
(TS)
(CS) (S)
(SS)
7
Saya memiliki
kemampuan untuk
mengoperasionalkan
e-banking
(STS)
(TS)
(CS) (S)
(SS)
8
Produk e-banking
sangat mudah untuk
digunakan
(STS)
(TS)
(CS) (S)
(SS)
9
Mengoperionalkan e-
banking tidak sulit
bagi saya, sebab fitur
e-banking sangat
mudah dipatami
(STS)
(TS)
(CS) (S)
(SS)
10
Tidak ada orang yang
paling mempengaruhi
saya dalam
menggunakan e-
banking
(STS)
(TS)
(CS) (S)
(SS)
11
Teman saya yang
berada dilingkaran
sosial yang
menggunakan layanan
Electronik bank
adalah orang yang
bermobilitas tinggi
(STS)
(TS)
(CS) (S)
(SS)
12
Tempat kerja secara
umum telah
mendorong
penggunaan electronic
banking oleh nasabah
bank pemerintah
(STS)
(TS)
(CS) (S)
(SS)
13
Electronik Bank
menyediakan solusi
masalah adalah
penilaian bahwa
layanan e-banking
menunjukan
(STS)
(TS)
(CS) (S)
(SS)
Lampiran
Pengukuran Penerimaan Teknologi E-bangking Oleh Nasabah pada
Bank Pemerintah Dengan menggunakan kan model UTAUT dalam
rangka mencapai Keunggulan bersaing
peranannya dalam
meyelesaikan masalah
14
Cara melakukan
transaksi yang sesuai
dengan kebutuhan
nasabah adalah
penilaian bahwa
layanan e-banking
Memungkinkan
melakukan transaksi
yang sesuai dengan
kebutuhan nasabah.
(STS)
(TS)
(CS) (S)
(SS)
15
Produk dan jasa yang
ditawarkan
disesuaikan dengan
kebutuhan nasabah
secara spesifik adalah
penilaian bahwa
layanan e-banking
memahami kebutuhan
nasabah secara
spesifik.
(STS)
(TS)
(CS) (S)
(SS)
16
Cara melakukan
transaksi yang sesuai
dengan kebutuhan
nasabah adalah
penilaian bahwa
layanan e-banking
memungkinkan
melakukan transaksi
yang sesuai dengan
kebutuhan nasabah.
(STS)
(TS)
(CS) (S)
(SS)
17
E-banking mempunyai
keamanan yang orang
lain sulit untuk
menggunakan
(STS)
(TS)
(CS) (S)
(SS)
Lampiran
Pengukuran Penerimaan Teknologi E-bangking Oleh Nasabah pada
Bank Pemerintah Dengan menggunakan kan model UTAUT dalam
rangka mencapai Keunggulan bersaing
18
Password yang
digunakan e-banking
sulit untuk ditiru
(STS)
(TS)
(CS) (S)
(SS)
19
Hanya Nasabaah yang
dapat melakukan
transaksi di e-banking
(STS)
(TS)
(CS) (S)
(SS)
20
Nasabah sudah
melakukan transasksi
dijamin mengenai
transaksinya tersebut
(STS)
(TS)
(CS) (S)
(SS)
21.
E-banking merupakan
cara melakukan
transaksi yang paling
baik adalah penilaian
bahwa transaksi
dengan layanan e-
banking dapat
dihandalkan
(STS)
(TS)
(CS) (S)
(SS)
22
E-banking dapat
meningkat effisiensi
dalam pekerjaan
(STS)
(TS)
(CS) (S)
(SS)
23
E-banking dapat
meningkat effektifitas
waktu dalam
transaksi perbankan
(STS)
(TS)
(CS) (S)
(SS)
24.
E-banking akan
meningkat kinerja
kerja saya
(STS)
(TS)
(CS) (S)
(SS)
25
Nasabah kembali
menggunakan layanan
e-banking adalah
penilaian bahwa
nasabah tetap
menggunakan layanan
e-banking dimasa
datang dalam
melakukan transaksi
perbankan
(STS)
(TS)
(CS) (S)
(SS)
Lampiran
Pengukuran Penerimaan Teknologi E-bangking Oleh Nasabah pada
Bank Pemerintah Dengan menggunakan kan model UTAUT dalam
rangka mencapai Keunggulan bersaing
26
e-banking sangat
mempengaruhi faktor
sosial agar daapt
melakukan transaksi
lebih cepat dengen
teman
(STS)
(TS)
(CS) (S)
(SS)
27
Saya sangat senang
dengan kemudahan e-
banking
(STS)
(TS)
(CS) (S)
(SS)
28
Saya puas dengan
memfasilitasi kondisi
untuk menggunakan
E-banking
(STS)
(TS)
(CS) (S)
(SS)
-------------------------------------Terima Kasih Atas Bantuan Saudara---------------------------------
LAMPIRAN 2.
Statistik Deskriptif Profil Responden
1. Jenis Kelamin (Gender)
Gender
Frequency Percent Valid Percent
Cumulative
Percent
Valid Male 423 50.7 50.7 50.7
Female 412 49.3 49.3 100.0
Total 835 100.0 100.0
2. Usia (Age)
Age
Frequency Percent Valid Percent
Cumulative
Percent
Valid < 25 Tahun 414 49.6 49.6 49.6
> 25 Tahun 421 50.4 50.4 100.0
Total 835 100.0 100.0
3. Pengalaman (Experience)
Experience
Frequency Percent Valid Percent
Cumulative
Percent
Valid Sudah Berpengalaman 404 48.4 48.4 48.4
Belum Berpengalaman 431 51.6 51.6 100.0
Total 835 100.0 100.0
4. Voluntary of Use
VoU
Frequency Percent Valid Percent
Cumulative
Percent
Valid Berkeinginan 420 50.3 50.3 50.3
Dipaksakan 415 49.7 49.7 100.0
Total 835 100.0 100.0
5. Account Bank
Nama_Bank
Frequency Percent Valid Percent
Cumulative
Percent
Valid BNI 225 26.9 26.9 26.9
Mandiri 176 21.1 21.1 48.0
BRi 259 31.0 31.0 79.0
BTN 175 21.0 21.0 100.0
Total 835 100.0 100.0
LAMPIRAN 3
Statistik Deskriptiif Variabel Indikator
1. Performance Expectancy
PEX1
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 5 .6 .6 .6
2.00 82 9.8 9.8 10.4
3.00 303 36.3 36.3 46.7
4.00 349 41.8 41.8 88.5
5.00 96 11.5 11.5 100.0
Total 835 100.0 100.0
PEX2
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 10 1.2 1.2 1.2
2.00 72 8.6 8.6 9.8
3.00 300 35.9 35.9 45.7
4.00 354 42.4 42.4 88.1
5.00 99 11.9 11.9 100.0
Total 835 100.0 100.0
PEX3
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 6 .7 .7 .7
2.00 68 8.1 8.1 8.9
3.00 307 36.8 36.8 45.6
4.00 366 43.8 43.8 89.5
5.00 88 10.5 10.5 100.0
Total 835 100.0 100.0
PEX4
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 7 .8 .8 .8
2.00 72 8.6 8.6 9.5
3.00 348 41.7 41.7 51.1
4.00 310 37.1 37.1 88.3
5.00 98 11.7 11.7 100.0
Total 835 100.0 100.0
PEX5
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 10 1.2 1.2 1.2
2.00 67 8.0 8.0 9.2
3.00 306 36.6 36.6 45.9
4.00 361 43.2 43.2 89.1
5.00 91 10.9 10.9 100.0
Total 835 100.0 100.0
2. Effort Expectancy
EEX1
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 9 1.1 1.1 1.1
2.00 66 7.9 7.9 9.0
3.00 320 38.3 38.3 47.3
4.00 344 41.2 41.2 88.5
5.00 96 11.5 11.5 100.0
Total 835 100.0 100.0
EEX2
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 6 .7 .7 .7
2.00 70 8.4 8.4 9.1
3.00 328 39.3 39.3 48.4
4.00 339 40.6 40.6 89.0
5.00 92 11.0 11.0 100.0
Total 835 100.0 100.0
EEX3
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 9 1.1 1.1 1.1
2.00 78 9.3 9.3 10.4
3.00 328 39.3 39.3 49.7
4.00 327 39.2 39.2 88.9
5.00 93 11.1 11.1 100.0
Total 835 100.0 100.0
EEX4
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 8 1.0 1.0 1.0
2.00 70 8.4 8.4 9.3
3.00 326 39.0 39.0 48.4
4.00 332 39.8 39.8 88.1
5.00 99 11.9 11.9 100.0
Total 835 100.0 100.0
3. Social Influence
SIX1
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 9 1.1 1.1 1.1
2.00 65 7.8 7.8 8.9
3.00 315 37.7 37.7 46.6
4.00 349 41.8 41.8 88.4
5.00 97 11.6 11.6 100.0
Total 835 100.0 100.0
SIX2
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 4 .5 .5 .5
2.00 71 8.5 8.5 9.0
3.00 308 36.9 36.9 45.9
4.00 351 42.0 42.0 87.9
5.00 101 12.1 12.1 100.0
Total 835 100.0 100.0
SIX3
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 6 .7 .7 .7
2.00 68 8.1 8.1 8.9
3.00 323 38.7 38.7 47.5
4.00 347 41.6 41.6 89.1
5.00 91 10.9 10.9 100.0
Total 835 100.0 100.0
SIX4
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 6 .7 .7 .7
2.00 74 8.9 8.9 9.6
3.00 335 40.1 40.1 49.7
4.00 323 38.7 38.7 88.4
5.00 97 11.6 11.6 100.0
Total 835 100.0 100.0
4. Facilitating Condition
FCX1
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 11 1.3 1.3 1.3
2.00 65 7.8 7.8 9.1
3.00 289 34.6 34.6 43.7
4.00 396 47.4 47.4 91.1
5.00 74 8.9 8.9 100.0
Total 835 100.0 100.0
FCX2
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 9 1.1 1.1 1.1
2.00 64 7.7 7.7 8.7
3.00 307 36.8 36.8 45.5
4.00 375 44.9 44.9 90.4
5.00 80 9.6 9.6 100.0
Total 835 100.0 100.0
FCX3
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 7 .8 .8 .8
2.00 66 7.9 7.9 8.7
3.00 334 40.0 40.0 48.7
4.00 340 40.7 40.7 89.5
5.00 88 10.5 10.5 100.0
Total 835 100.0 100.0
5. Security
SX1
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 8 1.0 1.0 1.0
2.00 66 7.9 7.9 8.9
3.00 322 38.6 38.6 47.4
4.00 341 40.8 40.8 88.3
5.00 98 11.7 11.7 100.0
Total 835 100.0 100.0
SX2
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 7 .8 .8 .8
2.00 73 8.7 8.7 9.6
3.00 288 34.5 34.5 44.1
4.00 369 44.2 44.2 88.3
5.00 98 11.7 11.7 100.0
Total 835 100.0 100.0
SX3
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 6 .7 .7 .7
2.00 83 9.9 9.9 10.7
3.00 316 37.8 37.8 48.5
4.00 335 40.1 40.1 88.6
5.00 95 11.4 11.4 100.0
Total 835 100.0 100.0
SX4
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 10 1.2 1.2 1.2
2.00 56 6.7 6.7 7.9
3.00 357 42.8 42.8 50.7
4.00 321 38.4 38.4 89.1
5.00 91 10.9 10.9 100.0
Total 835 100.0 100.0
6. Behavior Influence
BIX1
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 6 .7 .7 .7
2.00 64 7.7 7.7 8.4
3.00 355 42.5 42.5 50.9
4.00 304 36.4 36.4 87.3
5.00 106 12.7 12.7 100.0
Total 835 100.0 100.0
BIX2
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 6 .7 .7 .7
2.00 61 7.3 7.3 8.0
3.00 315 37.7 37.7 45.7
4.00 355 42.5 42.5 88.3
5.00 98 11.7 11.7 100.0
Total 835 100.0 100.0
BIX3
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 7 .8 .8 .8
2.00 60 7.2 7.2 8.0
3.00 325 38.9 38.9 46.9
4.00 356 42.6 42.6 89.6
5.00 87 10.4 10.4 100.0
Total 835 100.0 100.0
BIX4
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 5 .6 .6 .6
2.00 63 7.5 7.5 8.1
3.00 302 36.2 36.2 44.3
4.00 379 45.4 45.4 89.7
5.00 86 10.3 10.3 100.0
Total 835 100.0 100.0
7. Use Behavior
USEX1
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 9 1.1 1.1 1.1
2.00 73 8.7 8.7 9.8
3.00 307 36.8 36.8 46.6
4.00 341 40.8 40.8 87.4
5.00 105 12.6 12.6 100.0
Total 835 100.0 100.0
USEX2
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 7 .8 .8 .8
2.00 76 9.1 9.1 9.9
3.00 296 35.4 35.4 45.4
4.00 376 45.0 45.0 90.4
5.00 80 9.6 9.6 100.0
Total 835 100.0 100.0
USEX3
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 3 .4 .4 .4
2.00 80 9.6 9.6 9.9
3.00 321 38.4 38.4 48.4
4.00 336 40.2 40.2 88.6
5.00 95 11.4 11.4 100.0
Total 835 100.0 100.0
USEX4
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1.00 7 .8 .8 .8
2.00 61 7.3 7.3 8.1
3.00 328 39.3 39.3 47.4
4.00 359 43.0 43.0 90.4
5.00 80 9.6 9.6 100.0
Total 835 100.0 100.0
Lampiran 4
Statistik Uji t Variabel Indikator
1. Hasil Uji Hipotesis Variabel Performance Expectancy
N Mean Std. Deviation Std. Error Mean
PEX1 835 3.5377 .84363 .02919
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
PEX1 18.418 834 .000 .53772 .4722 .6033
N Mean Std. Deviation Std. Error Mean
PEX2 835 3.5509 .85424 .02956
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
PEX2 18.635 834 .000 .55090 .4845 .6173
N Mean Std. Deviation Std. Error Mean
PEX3 835 3.5533 .85131 .02821
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
PEX3 19.610 834 .000 .55329 .4899 .6166
N Mean Std. Deviation Std. Error Mean
PEX4 835 3.5030 .84162 .02913
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
PEX4 17.270 834 .000 .50299 .4376 .5684
N Mean Std. Deviation Std. Error Mean
PEX5 835 3.5461 .83607 .02893
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
PEX5 18.875 834 .000 .54611 .4811 .6111
2. Hasil Uji Hipotesis Variabel Effort Expectancy
N Mean Std. Deviation Std. Error Mean
EEX1 835 3.5413 .83775 .02899
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
EEX1 18.672 834 .000 .54132 .4762 .6064
N Mean Std. Deviation Std. Error Mean
EEX2 835 3.5281 .82533 .02856
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
EEX2 18.491 834 .000 .52814 .4640 .5923
N Mean Std. Deviation Std. Error Mean
EEX3 835 3.4994 .85154 .02947
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
EEX3 16.947 834 .000 .49940 .4332 .5656
N Mean Std. Deviation Std. Error Mean
EEX4 835 3.5317 .84387 .02920
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
EEX4 18.208 834 .000 .53174 .4662 .5973
3. Hasil Uji Hipotesis Variabel Social Influence
N Mean Std. Deviation Std. Error Mean
SIX1 835 3.5509 .83722 .02897
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
SIX1 19.014 834 .000 .55090 .4858 .6160
N Mean Std. Deviation Std. Error Mean
SIX2 835 3.5677 .82883 .02868
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
SIX2 19.791 834 .000 .56766 .5033 .6321
N Mean Std. Deviation Std. Error Mean
SIX3 835 3.5377 .82057 .02840
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
SIX3 18.936 834 .000 .53772 .4740 .6015
N Mean Std. Deviation Std. Error Mean
SIX4 835 3.5162 .83862 .02902
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
SIX4 17.786 834 .000 .51617 .4510 .5813
4. Hasil Uji Hipotesis Variabel Facilitating Conditions
N Mean Std. Deviation Std. Error Mean
FCX1 835 3.5473 .81273 .02813
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
FCX1 19.459 834 .000 .54731 .4842 .6105
N Mean Std. Deviation Std. Error Mean
FCX2 835 3.5425 .81152 .02808
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
FCX2 19.318 834 .000 .54251 .4795 .6056
N Mean Std. Deviation Std. Error Mean
FCX3 835 3.5222 .81821 .02832
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
FCX3 18.441 834 .000 .52216 .4586 .5857
5. Hasil Uji Hipotesis Variabel Security
N Mean Std. Deviation Std. Error Mean
SX1 835 3.5449 .83613 .02894
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
SX1 18.832 834 .000 .54491 .4799 .6099
N Mean Std. Deviation Std. Error Mean
SX2 835 3.5725 .83993 .02907
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
SX2 19.694 834 .000 .57246 .5072 .6377
N Mean Std. Deviation Std. Error Mean
SX3 835 3.5150 .84859 .02937
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
SX3 17.536 834 .000 .51497 .4490 .5809
N Mean Std. Deviation Std. Error Mean
SX4 835 3.5114 .82136 .02842
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
SX4 17.991 834 .000 .51138 .4476 .5752
6. Hasil Uji Hipotesis Variabel Behavorial Intention
N Mean Std. Deviation Std. Error Mean
BIX1 835 3.5269 .83691 .02896
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
BIX1 18.194 834 .000 .52695 .4619 .5920
N Mean Std. Deviation Std. Error Mean
BIX2 835 3.5725 .81823 .02832
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
BIX2 20.217 834 .000 .57246 .5089 .6360
N Mean Std. Deviation Std. Error Mean
BIX3 835 3.5461 .80688 .02792
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
BIX3 19.558 834 .000 .54611 .4834 .6088
N Mean Std. Deviation Std. Error Mean
BIX4 835 3.5725 .79896 .02765
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
BIX4 20.704 834 .000 .57246 .5104 .6345
7. Hasil Uji Hipotesis Variabel USEX
N Mean Std. Deviation Std. Error Mean
USEX1 835 3.5509 .85983 .02976
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
USEX1 18.514 834 .000 .55090 .4841 .6177
N Mean Std. Deviation Std. Error Mean
USEX2 835 3.5341 .82073 .02840
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
USEX2 18.806 834 .000 .53413 .4704 .5979
N Mean Std. Deviation Std. Error Mean
USEX3 835 3.5269 .83116 .02876
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
USEX3 18.320 834 .000 .52695 .4624 .5915
N Mean Std. Deviation Std. Error Mean
USEX4 835 3.5317 .79861 .02764
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean
Difference
97.5% Confidence Interval of the
Difference
Lower Upper
USEX4 19.240 834 .000 .53174 .4697 .5938
Lampiran 4
Statistik Uji t Variabel Indikator
1. Uji t (Uji Means)
One-Sample Test
Test Value = 3
t df Sig. (2-tailed) Mean Difference
97.5% Confidence Interval of the
Difference
Lower Upper
PEX1 18.418 834 .000 .53772 .4722 .6033
PEX2 18.635 834 .000 .55090 .4845 .6173
PEX3 19.610 834 .000 .55329 .4899 .6166
PEX4 17.270 834 .000 .50299 .4376 .5684
PEX5 18.875 834 .000 .54611 .4811 .6111
EEX1 18.672 834 .000 .54132 .4762 .6064
EEX2 18.491 834 .000 .52814 .4640 .5923
EEX3 16.947 834 .000 .49940 .4332 .5656
EEX4 18.208 834 .000 .53174 .4662 .5973
SIX1 19.014 834 .000 .55090 .4858 .6160
SIX2 19.791 834 .000 .56766 .5033 .6321
SIX3 18.936 834 .000 .53772 .4740 .6015
SIX4 17.786 834 .000 .51617 .4510 .5813
FCX1 19.459 834 .000 .54731 .4842 .6105
FCX2 19.318 834 .000 .54251 .4795 .6056
FCX3 18.441 834 .000 .52216 .4586 .5857
SX1 18.832 834 .000 .54491 .4799 .6099
SX2 19.694 834 .000 .57246 .5072 .6377
SX3 17.536 834 .000 .51497 .4490 .5809
SX4 17.991 834 .000 .51138 .4476 .5752
BIX1 18.194 834 .000 .52695 .4619 .5920
BIX2 20.217 834 .000 .57246 .5089 .6360
BIX3 19.558 834 .000 .54611 .4834 .6088
BIX4 20.704 834 .000 .57246 .5104 .6345
USEX1 18.514 834 .000 .55090 .4841 .6177
USEX2 18.806 834 .000 .53413 .4704 .5979
USEX3 18.320 834 .000 .52695 .4624 .5915
USEX4 19.240 834 .000 .53174 .4697 .5938
Lampiran 5
Outer Model dan Inner Model Model Tanpa Variabel Moderating
1. Outer Model
a. Loading Faktor
Original
Sample
(O)
Sample
Mean
(M)
Standard
Deviation
(STDEV)
T Statistics
(|O/STDEV|)
P
Values
BIX1 <- Behavioral Intentention 0.853 0.853 0.009 90.545 0.000
BIX2 <- Behavioral Intentention 0.841 0.841 0.009 88.615 0.000
BIX3 <- Behavioral Intentention 0.837 0.837 0.010 84.288 0.000
BIX4 <- Behavioral Intentention 0.829 0.828 0.013 64.297 0.000
EEX1 <- Effort Expectancy 0.845 0.844 0.009 90.477 0.000
EEX2 <- Effort Expectancy 0.849 0.849 0.009 92.239 0.000
EEX3 <- Effort Expectancy 0.862 0.862 0.009 95.899 0.000
EEX4 <- Effort Expectancy 0.870 0.870 0.008 108.403 0.000
FCX1 <- Faciliting Condition 0.869 0.869 0.009 96.359 0.000
FCX2 <- Faciliting Condition 0.850 0.850 0.012 73.163 0.000
FCX3 <- Faciliting Condition 0.877 0.877 0.008 111.042 0.000
PEX1 <- Performance Expectancy 0.837 0.837 0.010 83.519 0.000
PEX2 <- Performance Expectancy 0.855 0.855 0.009 92.760 0.000
PEX3 <- Performance Expectancy 0.846 0.846 0.009 90.066 0.000
PEX4 <- Performance Expectancy 0.846 0.846 0.009 89.346 0.000
PEX5 <- Performance Expectancy 0.845 0.846 0.010 83.245 0.000
SIX1 <- Sosial Influence 0.837 0.836 0.010 85.322 0.000
SIX2 <- Sosial Influence 0.853 0.853 0.009 93.391 0.000
SIX3 <- Sosial Influence 0.842 0.841 0.012 71.415 0.000
SIX4 <- Sosial Influence 0.845 0.845 0.010 87.669 0.000
SX1 <- Security 0.854 0.854 0.010 88.423 0.000
SX2 <- Security 0.851 0.851 0.010 86.287 0.000
SX3 <- Security 0.859 0.858 0.009 94.474 0.000
SX4 <- Security 0.834 0.834 0.011 73.790 0.000
USEX1 <- Use Behavioral 0.857 0.857 0.009 91.085 0.000
USEX2 <- Use Behavioral 0.840 0.840 0.010 84.111 0.000
USEX3 <- Use Behavioral 0.832 0.832 0.012 68.261 0.000
USEX4 <- Use Behavioral 0.814 0.814 0.014 59.065 0.000
b. Composite Reliability
Original
Sample
(O)
Sample
Mean (M)
Standard
Deviation
(STDEV)
T Statistics
(|O/STDEV|)
P
Values
Behavioral Intentention 0.906 0.905 0.005 174.746 0.000
Effort Expectancy 0.917 0.917 0.004 210.673 0.000
Faciliting Condition 0.899 0.899 0.006 142.961 0.000
Performance Expectancy 0.926 0.926 0.004 226.705 0.000
Security 0.912 0.912 0.005 176.178 0.000
Sosial Influence 0.908 0.908 0.005 175.757 0.000
Use Behavioral 0.903 0.903 0.006 163.186 0.000
c. Cronbach Alpha
Original
Sample
(O)
Sample
Mean
(M)
Standard
Deviation
(STDEV)
T Statistics
(|O/STDEV|) P Values
Behavioral Intentention 0.861 0.861 0.008 101.927 0.000
Effort Expectancy 0.879 0.879 0.007 127.048 0.000
Faciliting Condition 0.832 0.832 0.012 71.110 0.000
Performance Expectancy 0.901 0.901 0.006 151.197 0.000
Security 0.872 0.871 0.008 104.850 0.000
Sosial Influence 0.866 0.865 0.008 103.546 0.000
Use Behavioral 0.857 0.856 0.009 94.602 0.000
2. Inner Model
a. Path Coefficient (Direct Effect)
Original
Sample
(O)
Sample
Mean (M)
Standard
Deviation
(STDEV)
T Statistics
(|O/STDEV|)
P
Values
Behavioral Intentention -> Use
Behavioral 0.865 0.865 0.009 96.929 0.000
Effort Expectancy ->
Behavioral Intentention 0.145 0.146 0.056 2.592 0.010
Faciliting Condition ->
Behavioral Intentention 0.151 0.149 0.058 2.588 0.010
Performance Expectancy ->
Behavioral Intentention 0.229 0.226 0.050 4.560 0.000
Security -> Behavioral
Intentention 0.256 0.255 0.059 4.323 0.000
Sosial Influence -> Behavioral
Intentention 0.152 0.156 0.050 3.069 0.002
b.Indirect Effect
Original
Sample
(O)
Sample
Mean (M)
Standard
Deviation
(STDEV)
T Statistics
(|O/STDEV|) P Values
Behavioral Intentention -> Use
Behavioral
Effort Expectancy -> Behavioral
Intentention
Effort Expectancy -> Use Behavioral 0.125 0.126 0.048 2.600 0.010
Faciliting Condition -> Behavioral
Intentention
Faciliting Condition -> Use Behavioral 0.130 0.129 0.050 2.581 0.010
Performance Expectancy -> Behavioral
Intentention
Performance Expectancy -> Use
Behavioral 0.198 0.195 0.043 4.572 0.000
Security -> Behavioral Intentention
Security -> Use Behavioral 0.221 0.221 0.052 4.290 0.000
Sosial Influence -> Behavioral
Intentention
Sosial Influence -> Use Behavioral 0.132 0.135 0.043 3.066 0.002
c. Diagram Modeling
Lampiran 6
Inner dan Outer Model dengan Variabel Moderating
(Multigrup Analisis)
1. Multigrup Analisis Gender
a. Loading Factor
Outer
Loadings
Group 1
Outer
Loadings
Group 2
STDEV
Group 1
STDEV
Group 2
t-Values
Group 1
t-Values
Group 2
p-Values
Group1
p-Values
group 2
BIX1 <- Behavioral
Intentention 0.860 0.846 0.012 0.014 72.251 60.245 0.000 0.000
BIX2 <- Behavioral
Intentention 0.843 0.839 0.012 0.014 68.027 58.108 0.000 0.000
BIX3 <- Behavioral
Intentention 0.839 0.836 0.015 0.015 57.681 57.542 0.000 0.000
BIX4 <- Behavioral
Intentention 0.810 0.847 0.022 0.014 36.983 60.334 0.000 0.000
EEX1 <- Effort Expectancy 0.847 0.843 0.013 0.014 67.418 59.255 0.000 0.000
EEX2 <- Effort Expectancy 0.862 0.835 0.012 0.015 74.932 53.970 0.000 0.000
EEX3 <- Effort Expectancy 0.860 0.864 0.012 0.012 70.057 72.077 0.000 0.000
EEX4 <- Effort Expectancy 0.876 0.863 0.011 0.012 82.988 71.641 0.000 0.000
FCX1 <- Faciliting Condition 0.863 0.876 0.012 0.012 73.036 71.631 0.000 0.000
FCX2 <- Faciliting Condition 0.864 0.837 0.014 0.020 62.665 42.750 0.000 0.000
FCX3 <- Faciliting Condition 0.881 0.873 0.011 0.013 83.526 68.510 0.000 0.000
PEX1 <- Performance
Expectancy 0.813 0.858 0.015 0.013 52.582 66.865 0.000 0.000
PEX2 <- Performance
Expectancy 0.844 0.865 0.014 0.012 60.389 69.643 0.000 0.000
PEX3 <- Performance
Expectancy 0.842 0.851 0.013 0.014 63.536 62.914 0.000 0.000
PEX4 <- Performance
Expectancy 0.848 0.846 0.013 0.015 66.005 58.217 0.000 0.000
PEX5 <- Performance
Expectancy 0.837 0.853 0.015 0.014 56.611 59.440 0.000 0.000
SIX1 <- Sosial Influence 0.839 0.836 0.013 0.016 65.405 52.388 0.000 0.000
SIX2 <- Sosial Influence 0.850 0.856 0.013 0.012 66.894 72.102 0.000 0.000
SIX3 <- Sosial Influence 0.845 0.839 0.014 0.018 62.289 45.524 0.000 0.000
SIX4 <- Sosial Influence 0.857 0.833 0.012 0.015 68.936 54.604 0.000 0.000
SX1 <- Security 0.863 0.845 0.012 0.016 70.629 54.497 0.000 0.000
SX2 <- Security 0.857 0.844 0.012 0.014 73.088 58.724 0.000 0.000
SX3 <- Security 0.854 0.864 0.013 0.013 66.279 65.636 0.000 0.000
SX4 <- Security 0.839 0.830 0.014 0.016 57.907 53.445 0.000 0.000
USEX1 <- Use Behavioral 0.863 0.851 0.012 0.015 73.259 58.556 0.000 0.000
USEX2 <- Use Behavioral 0.842 0.838 0.013 0.014 67.192 58.984 0.000 0.000
USEX3 <- Use Behavioral 0.846 0.817 0.015 0.022 58.135 37.595 0.000 0.000
USEX4 <- Use Behavioral 0.821 0.809 0.017 0.022 49.107 35.971 0.000 0.000
b. Composite Reliability
Composite
Reliability
Group 1
Composite
Reliability
Group 2
STDEV
Group 1
STDEV
Group 2
t-Values
Group 1
t-Values
Group 2
p-Values
group 1
p-Values
group 2
Behavioral
Intentention 0.904 0.907 0.007 0.007 122.434 123.388 0.000 0.000
Effort Expectancy 0.920 0.913 0.006 0.007 157.585 135.563 0.000 0.000
Faciliting Condition 0.903 0.897 0.008 0.010 118.139 90.933 0.000 0.000
Performance
Expectancy 0.921 0.931 0.006 0.006 154.857 160.762 0.000 0.000
Security 0.915 0.910 0.007 0.008 139.129 118.045 0.000 0.000
Sosial Influence 0.911 0.906 0.006 0.008 140.835 118.208 0.000 0.000
Use Behavioral 0.908 0.898 0.007 0.009 132.603 99.585 0.000 0.000
c. Cronbach Alpha
Cronbach's
Group 1
Cronbach's
Group 2
STDEV
Group1
STDEV
Group 2
t-Values
Group 1
t-Values
Group 2
p-Values
Group1
p-Values
Group 2
Behavioral Intentention 0.859 0.863 0.012 0.012 70.817 72.284 0.000 0.000
Effort Expectancy 0.884 0.873 0.009 0.011 95.866 80.855 0.000 0.000
Faciliting Condition 0.839 0.827 0.014 0.019 59.514 44.678 0.000 0.000
Performance
Expectancy 0.893 0.908 0.009 0.008 101.478 108.399 0.000 0.000
Security 0.876 0.867 0.010 0.012 83.407 69.640 0.000 0.000
Sosial Influence 0.870 0.862 0.010 0.012 83.648 69.066 0.000 0.000
Use Behavioral 0.865 0.848 0.011 0.015 77.989 56.600 0.000 0.000
d. Path Coefficient
Path Coefficients group 1 (pria) Path Coefficients group 2 (wanita)
Effort Expectancy -> Behavioral Intentention 0.186 0.035
Faciliting Condition -> Behavioral Intentention 0.083 0.197
Performance Expectancy -> Behavioral
Intentention 0.239 0.113
Security -> Behavioral Intentention 0.335 0.193
e. Parametric test
Path Coefficients-diff t-Value p-Value
Effort Expectancy -> Behavioral Intentention 0.151 2.872 0.035
Faciliting Condition -> Behavioral Intentention 0.114 1.991 0.049
Performance Expectancy -> Behavioral
Intentention 0.126 2.031 0.047
Security -> Behavioral Intentention 0.142 2.560 0.039
2. Multigrup Analisis Age
a. Loading Factor
Outer
Loadings
group1
Outer
Loadings
group 2
STDEV
group 1
STDEV
group2
t-Values
group 1
t-Values
group 2
p-Values
group 1
p-Values
group 2
BIX1 <- Behavioral
Intentention 0.844 0.862 0.013 0.012 64.357 70.950 0.000 0.000
BIX2 <- Behavioral
Intentention 0.836 0.846 0.014 0.013 60.365 63.184 0.000 0.000
BIX3 <- Behavioral
Intentention 0.832 0.843 0.016 0.014 53.623 58.375 0.000 0.000
BIX4 <- Behavioral
Intentention 0.825 0.835 0.015 0.020 55.716 41.748 0.000 0.000
EEX1 <- Effort Expectancy 0.830 0.857 0.014 0.013 58.297 67.795 0.000 0.000
EEX2 <- Effort Expectancy 0.837 0.861 0.014 0.012 60.379 74.434 0.000 0.000
EEX3 <- Effort Expectancy 0.847 0.876 0.012 0.012 68.255 74.016 0.000 0.000
EEX4 <- Effort Expectancy 0.869 0.872 0.012 0.011 75.426 76.401 0.000 0.000
FCX1 <- Faciliting Condition 0.860 0.876 0.012 0.012 74.118 71.333 0.000 0.000
FCX2 <- Faciliting Condition 0.823 0.874 0.018 0.013 45.303 66.035 0.000 0.000
FCX3 <- Faciliting Condition 0.882 0.874 0.011 0.011 79.562 76.583 0.000 0.000
PEX1 <- Performance
Expectancy 0.832 0.848 0.015 0.013 55.729 63.788 0.000 0.000
PEX2 <- Performance
Expectancy 0.852 0.859 0.012 0.014 71.633 63.010 0.000 0.000
PEX3 <- Performance
Expectancy 0.847 0.846 0.013 0.014 63.140 61.202 0.000 0.000
PEX4 <- Performance
Expectancy 0.831 0.859 0.015 0.013 57.327 68.052 0.000 0.000
PEX5 <- Performance
Expectancy 0.835 0.854 0.015 0.014 57.513 62.466 0.000 0.000
SIX1 <- Sosial Influence 0.831 0.842 0.016 0.013 53.395 63.190 0.000 0.000
SIX2 <- Sosial Influence 0.857 0.850 0.011 0.013 74.955 63.092 0.000 0.000
SIX3 <- Sosial Influence 0.833 0.850 0.018 0.014 46.340 61.395 0.000 0.000
SIX4 <- Sosial Influence 0.845 0.845 0.014 0.014 59.592 58.812 0.000 0.000
SX1 <- Security 0.849 0.860 0.013 0.014 64.745 60.386 0.000 0.000
SX2 <- Security 0.850 0.853 0.014 0.014 62.200 61.877 0.000 0.000
SX3 <- Security 0.847 0.869 0.014 0.013 59.595 69.174 0.000 0.000
SX4 <- Security 0.848 0.822 0.014 0.018 62.225 46.581 0.000 0.000
USEX1 <- Use Behavioral 0.841 0.870 0.014 0.012 60.835 69.798 0.000 0.000
USEX2 <- Use Behavioral 0.825 0.853 0.015 0.013 53.664 67.864 0.000 0.000
USEX3 <- Use Behavioral 0.825 0.838 0.019 0.018 43.064 47.082 0.000 0.000
USEX4 <- Use Behavioral 0.797 0.829 0.018 0.020 43.584 41.292 0.000 0.000
b. Composite Reliability
Composite Reliability group 1
Composite Reliability group 2
STDEV group 1
STDEV group 2
t-Values group 1
t-Values group 2
p-Values group 1
p-Values group2
Behavioral Intentention 0.901 0.910 0.007 0.007 130.924 123.615 0.000 0.000
Effort Expectancy 0.910 0.923 0.006 0.006 141.004 156.393 0.000 0.000
Faciliting Condition 0.891 0.907 0.008 0.008 107.774 111.333 0.000 0.000
Performance Expectancy 0.923 0.931 0.006 0.006 162.902 159.975 0.000 0.000
Security 0.911 0.913 0.007 0.008 133.468 120.206 0.000 0.000
Sosial Influence 0.907 0.910 0.007 0.007 131.193 125.675 0.000 0.000
Use Behavioral 0.893 0.911 0.008 0.008 114.551 116.384 0.000 0.000
c. Cronbach Alpha
Cronbach's
Alpha
Group 1
Cronbach's
Alpha
group 1
STDEV
group 1
STDEV
group 2
t-Values
group 1
t-Values
group 2
p-
Values
group 1
p-Values
group 2
Behavioral Intentention 0.854 0.868 0.011 0.012 75.467 72.920 0.000 0.000
Effort Expectancy 0.867 0.889 0.010 0.009 83.132 95.931 0.000 0.000
Faciliting Condition 0.816 0.847 0.016 0.015 51.868 56.799 0.000 0.000
Performance Expectancy 0.895 0.907 0.008 0.008 107.304 107.663 0.000 0.000
Security 0.870 0.873 0.011 0.012 79.200 71.315 0.000 0.000
Sosial Influence 0.863 0.868 0.011 0.012 76.845 74.231 0.000 0.000
Use Behavioral 0.840 0.870 0.013 0.013 64.289 69.249 0.000 0.000
d. Path Coefficient Path Coefficients group 1 Path Coefficients group 2
Effort Expectancy -> Behavioral Intentention 0.210 0.097
Performance Expectancy -> Behavioral Intentention 0.256 0.117
Security -> Behavioral Intentention 0.294 0.128
Sosial Influence -> Behavioral Intentention 0.045 0.172
e. Parametric Test
Path Coefficients-
diff t-Value p-Value
Effort Expectancy -> Behavioral Intentention 0.113 1.981 0.048
Performance Expectancy -> Behavioral
Intentention 0.139 2.010 0.047
Security -> Behavioral Intentention 0.166 2.950 0.032
Sosial Influence -> Behavioral Intentention 0.127 2.031 0.046
3. Multigrup Analisis Experience
a. Loading Factor
Outer Loadings group 1
Outer Loadings group 2
STDEV group 1
STDEV group 2
t-Values group 1
t-Values group 1
p-Values group 1
p-Values group 2
BIX1 <- Behavioral Intentention
0.855 0.852 0.013 0.013 65.001 65.986 0.000 0.000
BIX2 <- Behavioral Intentention
0.855 0.829 0.012 0.014 69.321 57.170 0.000 0.000
BIX3 <- Behavioral Intentention
0.839 0.835 0.013 0.015 63.343 57.521 0.000 0.000
BIX4 <- Behavioral Intentention
0.820 0.836 0.021 0.017 39.047 47.972 0.000 0.000
EEX1 <- Effort Expectancy
0.850 0.840 0.013 0.014 67.040 59.256 0.000 0.000
EEX2 <- Effort Expectancy
0.859 0.841 0.012 0.014 69.430 60.311 0.000 0.000
EEX3 <- Effort Expectancy
0.845 0.879 0.014 0.011 61.722 80.827 0.000 0.000
EEX4 <- Effort Expectancy
0.877 0.863 0.011 0.012 79.359 70.729 0.000 0.000
FCX1 <- Faciliting Condition
0.871 0.867 0.011 0.012 75.770 70.169 0.000 0.000
FCX2 <- Faciliting Condition
0.850 0.849 0.013 0.017 63.514 49.494 0.000 0.000
FCX3 <- Faciliting Condition
0.879 0.876 0.011 0.012 80.691 73.682 0.000 0.000
PEX1 <- Performance Expectancy
0.839 0.836 0.014 0.014 58.707 61.474 0.000 0.000
PEX2 <- Performance Expectancy
0.854 0.855 0.013 0.013 65.594 65.977 0.000 0.000
PEX3 <- Performance Expectancy
0.839 0.853 0.015 0.013 55.438 66.929 0.000 0.000
PEX4 <- Performance Expectancy
0.845 0.847 0.014 0.013 58.811 66.823 0.000 0.000
PEX5 <- Performance Expectancy
0.846 0.845 0.014 0.014 60.057 61.464 0.000 0.000
SIX1 <- Sosial Influence 0.830 0.843 0.016 0.013 51.972 66.239 0.000 0.000
SIX2 <- Sosial Influence 0.852 0.853 0.012 0.013 70.014 66.756 0.000 0.000
SIX3 <- Sosial Influence 0.833 0.849 0.016 0.015 52.090 55.230 0.000 0.000
SIX4 <- Sosial Influence 0.854 0.839 0.013 0.014 64.043 58.687 0.000 0.000
SX1 <- Security 0.862 0.847 0.013 0.015 67.714 58.320 0.000 0.000
SX2 <- Security 0.853 0.850 0.012 0.014 69.489 61.057 0.000 0.000
SX3 <- Security 0.861 0.858 0.012 0.012 70.086 71.022 0.000 0.000
SX4 <- Security 0.826 0.841 0.015 0.014 54.342 59.017 0.000 0.000
USEX1 <- Use Behavioral
0.852 0.861 0.013 0.012 63.238 70.252 0.000 0.000
USEX2 <- Use Behavioral
0.830 0.848 0.015 0.013 56.933 66.862 0.000 0.000
USEX3 <- Use Behavioral
0.822 0.841 0.018 0.018 45.022 47.415 0.000 0.000
USEX4 <- Use Behavioral
0.809 0.818 0.018 0.022 44.781 37.417 0.000 0.000
b. Composite Reliability
Composite Reliability group 1
Composite Reliability group 2
STDEV group 1
STDEV group 2
t-Values group 1
t-Values group 2
p-Values group 1
p-Values group 2
Behavioral Intentention
0.907 0.904 0.007 0.007 127.965 123.299 0.000 0.000
Effort Expectancy 0.918 0.916 0.006 0.006 149.939 148.327 0.000 0.000
Faciliting Condition 0.901 0.898 0.008 0.009 118.361 99.978 0.000 0.000
Performance Expectancy
0.926 0.927 0.006 0.006 156.525 168.192 0.000 0.000
Security 0.913 0.912 0.007 0.007 138.685 129.925 0.000 0.000
Sosial Influence 0.907 0.910 0.007 0.007 130.251 133.426 0.000 0.000
Use Behavioral 0.897 0.907 0.008 0.008 110.534 117.486 0.000 0.000
c. Cronbach Alpha
Cronbach's
Alpha group
1
Cronbach's
Alpha
group 2
STDEV
group 1
STDEV
group 2
t-Values
group 1
t-Values
group 2
p-Values
group 1
p-Values
group 2
Behavioral Intentention 0.863 0.858 0.012 0.012 74.711 71.540 0.000 0.000
Effort Expectancy 0.880 0.878 0.010 0.010 90.469 89.214 0.000 0.000
Faciliting Condition 0.834 0.830 0.014 0.017 59.100 49.520 0.000 0.000
Performance Expectancy 0.900 0.902 0.009 0.008 103.818 112.136 0.000 0.000
Security 0.872 0.871 0.011 0.011 82.686 77.202 0.000 0.000
Sosial Influence 0.864 0.868 0.011 0.011 76.380 78.874 0.000 0.000
Use Behavioral 0.848 0.863 0.013 0.013 62.962 68.758 0.000 0.000
d. Path Coefficient Path Coefficients group 1 Path Coefficients group 2
Effort Expectancy -> Behavioral Intentention 0.072 0.195
Faciliting Condition -> Behavioral Intentention 0.201 0.081
Security -> Behavioral Intentention 0.301 0.125
Sosial Influence -> Behavioral Intentention 0.033 0.178
e. Parametric Test
Path
Coefficients-diff t-Value p-Value
Effort Expectancy -> Behavioral Intentention 0.123 2.010 0.048
Faciliting Condition -> Behavioral
Intentention 0.120 2.013 0.048
Security -> Behavioral Intentention 0.176 2.971 0.031
Sosial Influence -> Behavioral Intentention 0.145 2.252 0.039
4. Multigrup Analisis Voluntary od Use
a. Loading Factor
Outer Loadings group 1
Outer Loadings group 2
STDEV group 1
STDEV group 2
t-Values group 1
t-Values group 2
p-Values group 1
p-Values group 2
BIX1 <- Behavioral Intentention 0.857 0.849 0.012 0.013 71.277 65.857 0.000 0.000
BIX2 <- Behavioral Intentention 0.840 0.842 0.014 0.013 61.721 63.325 0.000 0.000
BIX3 <- Behavioral Intentention 0.835 0.839 0.014 0.014 58.431 60.726 0.000 0.000
BIX4 <- Behavioral Intentention 0.827 0.829 0.018 0.020 45.157 42.512 0.000 0.000
EEX1 <- Effort Expectancy 0.855 0.834 0.012 0.014 72.790 58.989 0.000 0.000
EEX2 <- Effort Expectancy 0.841 0.857 0.014 0.012 61.683 72.487 0.000 0.000
EEX3 <- Effort Expectancy 0.866 0.857 0.012 0.011 69.710 75.244 0.000 0.000
EEX4 <- Effort Expectancy 0.874 0.865 0.011 0.011 79.529 76.858 0.000 0.000
FCX1 <- Faciliting Condition 0.858 0.879 0.013 0.011 67.556 78.080 0.000 0.000
FCX2 <- Faciliting Condition 0.864 0.837 0.014 0.017 62.839 47.936 0.000 0.000
FCX3 <- Faciliting Condition 0.869 0.885 0.012 0.010 71.573 86.237 0.000 0.000
PEX1 <- Performance Expectancy
0.841 0.833 0.013 0.014 63.591 59.320 0.000 0.000
PEX2 <- Performance Expectancy
0.854 0.855 0.013 0.013 65.665 67.088 0.000 0.000
PEX3 <- Performance Expectancy
0.844 0.849 0.013 0.013 66.341 67.600 0.000 0.000
PEX4 <- Performance Expectancy
0.840 0.852 0.013 0.012 62.641 70.507 0.000 0.000
PEX5 <- Performance Expectancy
0.841 0.849 0.015 0.013 57.404 64.022 0.000 0.000
SIX1 <- Sosial Influence 0.840 0.834 0.015 0.013 57.029 62.443 0.000 0.000
SIX2 <- Sosial Influence 0.855 0.850 0.012 0.012 70.159 72.465 0.000 0.000
SIX3 <- Sosial Influence 0.843 0.841 0.017 0.014 48.875 59.637 0.000 0.000
SIX4 <- Sosial Influence 0.841 0.848 0.014 0.013 58.394 64.038 0.000 0.000
SX1 <- Security 0.840 0.868 0.015 0.012 55.352 73.615 0.000 0.000
SX2 <- Security 0.862 0.840 0.012 0.013 69.505 65.487 0.000 0.000
SX3 <- Security 0.852 0.865 0.013 0.012 66.832 71.797 0.000 0.000
SX4 <- Security 0.838 0.830 0.015 0.015 56.091 53.966 0.000 0.000
USEX1 <- Use Behavioral 0.861 0.853 0.013 0.013 67.651 66.032 0.000 0.000
USEX2 <- Use Behavioral 0.847 0.835 0.013 0.014 64.309 59.453 0.000 0.000
USEX3 <- Use Behavioral 0.840 0.824 0.017 0.019 50.229 42.812 0.000 0.000
USEX4 <- Use Behavioral 0.798 0.831 0.023 0.015 34.205 54.193 0.000 0.000
b. Composite Reliability
Composite Reliability group 1
Composite Reliability group 2
STDEV group 1
STDEV group 2
t-Values group 1
t-Values group 2
p-Values group 1
p-Values group 2
Behavioral Intentention 0.905 0.905 0.007 0.007 129.470 126.219 0.000 0.000
Effort Expectancy 0.918 0.915 0.006 0.006 155.286 156.127 0.000 0.000
Faciliting Condition 0.898 0.901 0.009 0.008 105.223 110.911 0.000 0.000
Performance Expectancy 0.925 0.927 0.006 0.005 163.356 176.039 0.000 0.000
Security 0.911 0.913 0.007 0.007 125.525 137.981 0.000 0.000
Sosial Influence 0.909 0.908 0.007 0.006 125.505 145.475 0.000 0.000
Use Behavioral 0.903 0.903 0.008 0.007 112.959 122.052 0.000 0.000
c. Cronbach Alpha
Cronbach's Alpha group 1
Cronbach's Alpha group 2
STDEV group 1
STDEV group 2
t-Values group 1
t-Values group 2
p-Values group 1
p-Values group 2
Behavioral Intentention 0.861 0.861 0.011 0.012 75.403 73.397 0.000 0.000
Effort Expectancy 0.882 0.876 0.009 0.009 94.152 93.755 0.000 0.000
Faciliting Condition 0.830 0.835 0.016 0.015 52.131 55.363 0.000 0.000
Performance Expectancy 0.899 0.902 0.008 0.008 108.550 117.494 0.000 0.000
Security 0.870 0.873 0.012 0.011 74.476 82.061 0.000 0.000
Sosial Influence 0.866 0.865 0.012 0.010 74.067 85.464 0.000 0.000
Use Behavioral 0.857 0.856 0.013 0.012 65.387 70.643 0.000 0.000
d. Path Coefficient Path Coefficients group 1 Path Coefficients group 2
Security -> Behavioral Intentention 0.242 0.301
Sosial Influence -> Behavioral Intentention 0.189 0.051
e. Parametric Test
Path Coefficients-
diff t-Value p-Value
Security -> Behavioral Intentention 0.059 1.652 0.073
Sosial Influence -> Behavioral Intentention 0.138 2.210 0.041
LAMPIRAN DATA PENELITIAN
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 1 2 1 1 4 4 4 4 4 5 4 5 5 4 4 5 5 5 4 4 5 5 5 5 5 4 4 4 5 4 5 5
1 2 2 2 1 5 4 5 5 5 5 4 4 5 5 5 4 4 4 4 5 4 5 4 5 4 4 4 5 5 4 4 5
1 1 1 2 1 5 4 4 5 4 5 5 4 5 5 5 5 4 4 5 5 5 5 4 4 4 4 4 4 5 4 5 5
2 1 2 1 1 5 4 4 5 5 5 4 4 5 4 5 4 4 4 4 4 5 5 5 5 5 5 4 5 5 4 5 5
2 1 1 1 1 5 5 5 4 4 5 5 5 5 5 5 5 4 4 5 4 5 5 4 5 4 5 5 5 4 5 5 5
1 1 2 2 1 4 5 5 4 4 4 4 5 5 4 5 5 5 5 4 4 5 4 4 5 5 5 4 5 5 5 4 5
2 2 2 1 1 5 5 5 4 4 4 4 5 5 4 5 5 4 4 5 4 4 4 4 4 5 5 5 5 4 4 4 5
1 1 1 1 1 4 4 4 5 5 4 5 4 4 5 5 5 4 5 4 4 4 4 4 5 4 4 5 4 4 4 5 5
1 1 1 1 1 4 4 4 4 5 5 5 5 5 5 5 4 5 5 5 5 5 5 5 4 4 4 5 4 5 4 5 5
1 1 2 1 1 4 5 4 4 4 5 5 4 5 5 5 4 4 4 4 5 5 5 4 4 4 5 5 5 4 5 4 4
2 1 2 2 1 4 4 5 4 5 5 4 5 4 4 4 4 4 5 5 4 4 4 4 4 4 4 5 5 4 4 4 5
2 2 2 2 1 4 4 4 5 4 5 4 4 5 5 5 4 4 4 5 4 4 5 4 4 5 5 4 4 4 4 4 4
1 2 2 2 1 5 4 4 4 4 5 5 4 4 5 4 4 4 4 4 4 5 5 4 5 5 4 5 4 5 5 4 5
1 2 1 2 1 4 4 4 4 4 4 5 5 4 5 5 4 5 5 4 4 5 4 5 5 5 4 4 4 4 5 4 5
2 1 2 1 1 5 5 4 5 4 5 4 5 4 5 4 4 5 4 5 4 5 4 4 4 4 5 4 5 5 4 5 5
1 1 1 2 1 5 5 4 5 4 4 4 4 4 5 5 4 4 4 5 5 5 4 4 4 4 5 5 5 4 4 5 5
1 2 2 1 1 4 4 4 4 4 5 5 4 5 5 5 5 5 5 5 5 4 5 5 4 4 4 4 5 4 4 5 4
2 2 1 1 1 5 5 4 5 5 4 5 5 4 5 4 5 4 5 5 5 5 5 4 4 4 4 4 4 4 4 4 4
2 2 1 2 1 5 5 4 4 4 4 5 5 4 5 5 4 5 5 5 4 5 5 5 4 4 5 5 5 4 5 5 4
2 1 1 2 1 5 4 5 4 5 5 4 5 4 5 4 5 4 5 5 5 5 5 5 4 5 5 5 4 5 5 4 5
2 2 2 1 1 4 4 4 5 5 5 5 4 4 5 4 5 5 4 5 5 5 4 5 5 5 4 4 4 4 5 4 4
1 1 2 1 1 5 5 4 5 4 5 5 5 5 4 4 4 4 5 4 5 4 5 4 4 5 5 4 5 5 5 5 4
2 1 2 2 1 5 4 5 5 4 4 5 5 4 4 5 4 4 4 5 5 5 4 5 4 4 5 4 5 5 4 5 5
1 1 2 2 1 4 5 4 4 5 4 5 5 5 5 5 4 5 5 4 5 5 5 5 5 5 4 4 5 4 4 4 4
2 2 2 2 1 5 5 5 5 5 5 4 5 4 5 5 4 4 4 5 5 4 5 5 4 5 5 5 5 4 5 4 4
1 1 1 2 1 4 4 4 5 4 5 4 5 5 5 5 5 5 5 4 5 4 4 4 4 5 4 4 4 5 5 4 4
1 2 1 2 1 4 5 4 5 5 5 5 4 4 4 5 4 4 4 5 4 5 5 5 5 5 5 4 4 5 4 5 4
1 2 1 1 1 4 5 5 5 5 4 5 4 4 4 4 4 4 4 5 5 4 5 4 4 5 4 4 4 5 4 5 5
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 1 2 1 1 5 5 4 4 4 4 4 5 5 5 5 5 4 4 4 4 4 5 5 5 5 4 5 4 4 5 5 5
1 1 1 1 1 4 3 3 3 4 3 3 4 4 4 4 3 4 3 4 3 4 4 4 3 3 4 4 4 4 3 4 4
2 1 1 2 1 3 3 3 3 3 4 4 3 3 4 4 3 4 4 3 4 3 3 4 4 3 3 3 4 3 4 4 3
2 1 1 2 1 4 4 4 3 4 4 4 4 3 4 3 3 3 3 3 4 3 4 4 3 3 3 4 4 4 4 3 3
2 2 1 1 1 3 3 4 3 3 4 4 4 3 4 3 4 3 3 4 3 4 4 3 4 3 3 4 4 4 3 3 3
1 1 2 1 1 4 3 3 3 4 3 3 4 3 4 4 4 4 4 4 4 4 4 4 4 4 3 4 4 4 3 3 3
2 2 2 1 1 3 3 3 4 3 3 4 3 3 3 3 4 3 4 4 4 4 3 3 3 3 3 4 4 4 3 4 3
1 2 2 1 1 3 4 4 4 3 4 4 4 4 3 4 4 3 4 3 3 3 4 4 4 4 3 4 4 3 4 4 4
2 2 1 1 1 4 4 3 4 3 4 4 3 3 4 3 4 3 4 3 4 4 3 4 3 4 3 4 4 3 4 3 4
1 1 1 1 1 4 4 4 3 3 3 3 3 3 4 3 4 3 3 4 4 4 4 3 4 3 3 3 4 3 3 4 4
1 1 1 2 1 3 4 3 4 3 3 4 3 4 4 3 3 4 3 4 4 4 3 3 4 4 4 3 4 4 4 4 4
1 1 1 2 1 4 3 4 4 3 4 3 4 4 4 4 4 3 4 4 4 4 4 3 4 3 3 3 4 4 4 3 3
2 2 2 2 1 4 4 4 4 3 3 4 4 4 3 3 3 3 3 4 4 3 3 3 4 3 4 4 4 4 4 4 4
1 2 2 2 1 3 4 3 3 3 3 3 3 3 4 4 3 3 4 4 3 3 4 3 4 3 4 4 3 3 4 3 4
2 1 1 1 1 4 3 3 3 4 4 3 4 3 3 4 3 3 4 4 3 4 4 4 4 4 4 4 3 3 3 4 3
2 2 2 1 1 4 4 4 4 3 3 3 3 3 3 4 3 3 3 3 3 3 3 3 4 3 4 3 3 3 3 4 4
2 1 2 1 1 3 4 3 4 4 4 4 4 4 3 4 4 4 3 4 4 3 3 4 4 3 3 3 3 3 3 4 4
2 1 1 2 1 3 4 4 4 3 4 3 3 4 4 4 4 3 4 4 3 3 4 3 3 3 3 4 3 3 4 4 3
1 1 2 2 1 4 3 3 3 3 3 4 3 4 4 4 3 3 3 3 3 3 4 4 3 4 3 4 4 3 4 4 3
2 1 1 2 1 3 3 4 3 3 4 3 3 3 4 3 4 3 3 4 4 4 4 3 4 4 3 3 3 3 4 4 4
1 1 2 1 1 4 3 4 4 3 4 4 4 4 4 4 4 3 4 4 4 4 3 3 4 3 4 3 3 3 3 3 3
2 1 1 2 1 3 3 3 3 4 3 4 4 4 3 4 4 4 4 3 3 3 4 3 4 3 3 3 3 4 4 4 4
2 2 1 1 1 3 3 3 4 3 4 3 4 4 4 4 3 3 3 3 3 3 3 4 3 4 4 4 4 4 3 3 3
2 1 2 1 1 3 3 4 3 4 3 4 4 4 4 3 3 4 3 3 3 3 4 4 4 4 4 4 4 4 3 3 3
2 2 2 1 1 3 3 4 3 4 3 3 4 4 3 4 4 4 3 4 3 4 3 3 3 3 4 4 4 4 3 3 4
1 2 2 2 1 3 4 4 4 4 3 4 4 3 3 4 3 3 4 3 4 3 4 4 3 3 4 3 4 3 4 3 4
2 2 2 2 1 3 3 4 4 4 4 3 3 3 4 4 4 3 4 3 3 4 4 3 3 4 4 4 4 4 4 3 3
2 1 2 1 1 4 4 4 4 3 3 3 3 3 4 3 3 3 3 4 3 3 3 3 4 4 3 3 4 4 4 4 3
2 2 2 2 1 3 4 4 3 4 4 4 4 3 3 3 4 4 4 4 4 4 4 4 4 3 3 4 3 3 3 4 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 2 1 1 1 4 4 4 3 4 4 3 3 4 4 3 4 4 4 4 4 3 4 3 4 3 4 3 4 3 4 3 4
1 1 1 2 1 4 4 3 3 4 4 3 3 3 3 4 3 4 4 4 4 4 3 3 3 3 4 3 4 3 4 4 3
2 2 2 2 1 2 3 3 3 3 2 3 2 3 2 2 2 3 2 2 3 3 2 2 3 2 3 2 2 3 2 3 2
1 1 1 2 1 3 2 2 2 3 2 2 2 2 3 2 2 2 3 3 2 3 3 2 3 3 2 3 2 3 3 3 3
2 1 1 1 1 2 2 2 2 2 2 2 2 2 3 3 3 3 3 3 2 2 2 2 3 2 2 2 2 3 3 2 2
1 2 2 2 1 2 2 2 3 3 3 2 3 3 3 2 3 2 3 2 2 3 2 2 2 3 3 3 2 3 3 2 3
1 2 1 2 1 2 2 2 3 3 2 2 2 3 3 3 2 3 3 3 2 2 2 3 3 3 3 2 2 3 2 2 3
2 1 1 1 1 3 2 2 2 2 3 3 3 2 2 3 2 3 3 2 3 3 2 3 2 3 3 3 3 2 3 3 2
1 1 2 1 1 3 3 3 2 2 2 3 3 2 3 3 2 2 2 3 3 3 2 3 3 3 3 2 2 2 3 2 3
1 2 1 2 1 3 3 3 2 2 2 3 2 3 2 3 3 2 3 3 2 2 2 3 3 3 3 3 3 2 2 2 2
2 2 2 1 1 2 2 3 2 2 2 2 3 2 3 2 2 3 3 2 3 2 3 3 2 3 2 3 3 2 2 3 3
1 1 1 1 1 2 3 3 2 2 2 2 2 2 3 2 3 3 3 2 3 3 2 3 2 2 3 2 2 3 3 3 3
2 1 2 1 1 3 3 4 3 4 3 3 4 4 3 4 4 4 3 4 3 4 3 3 3 3 4 4 4 4 3 3 4
2 1 1 1 1 3 4 4 4 4 3 4 4 3 3 4 3 3 4 3 4 3 4 4 3 3 4 3 4 3 4 3 4
1 1 1 1 1 3 3 4 4 4 4 3 3 3 4 4 4 3 4 3 3 4 4 3 3 4 4 4 4 4 4 3 3
1 1 1 2 1 4 4 4 4 3 3 3 3 3 4 3 3 3 3 4 3 3 3 3 4 4 3 3 4 4 4 4 3
1 2 1 1 1 3 4 4 3 4 4 4 4 3 3 3 4 4 4 4 4 4 4 4 4 3 3 4 3 3 3 4 3
1 1 2 2 1 4 4 4 3 4 4 3 3 4 4 3 4 4 4 4 4 3 4 3 4 3 4 3 4 3 4 3 4
1 2 2 1 1 4 4 3 3 4 4 3 3 3 3 4 3 4 4 4 4 4 3 3 3 3 4 3 4 3 4 4 3
2 1 1 2 1 2 2 3 2 3 3 3 2 2 3 2 2 3 2 3 2 2 3 2 2 2 3 2 3 2 3 2 2
1 1 1 2 1 3 3 3 3 2 2 2 2 2 2 3 2 2 2 3 3 3 2 3 3 2 3 3 3 3 3 2 2
2 1 1 2 1 3 3 2 3 3 3 2 3 3 2 2 3 3 3 3 3 3 3 2 3 3 3 3 3 3 3 2 2
2 1 2 2 1 2 3 3 2 2 3 2 3 2 3 2 2 2 2 3 2 2 3 2 3 2 3 3 2 3 3 3 2
1 2 2 2 1 2 2 3 2 3 2 3 2 3 2 3 2 3 3 3 3 2 2 3 3 3 3 3 3 3 2 3 3
2 1 2 1 1 2 2 3 3 3 3 3 3 3 3 3 2 3 2 2 2 3 3 3 2 2 2 3 3 2 2 2 2
1 1 1 1 1 2 3 3 2 3 3 3 3 2 2 3 3 3 3 2 3 3 3 2 3 3 3 3 2 2 3 3 2
1 2 1 1 1 3 2 2 2 2 3 3 3 3 2 2 2 2 3 2 3 3 3 3 2 3 3 3 2 3 2 2 3
2 1 2 2 1 3 3 2 3 2 3 3 2 3 3 2 2 3 2 2 3 3 3 3 3 3 3 2 3 2 3 3 3
1 1 2 2 1 3 3 4 3 4 4 4 4 3 3 4 4 4 3 4 4 3 3 4 3 3 3 4 3 3 4 3 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 1 1 1 1 3 4 4 4 4 3 4 4 4 4 3 3 4 4 3 3 3 4 4 3 4 3 4 4 3 3 4 4
1 1 2 1 1 3 3 3 3 4 3 4 4 4 4 3 3 3 4 4 4 3 3 4 3 3 3 4 4 4 3 3 3
1 2 2 1 1 3 4 3 3 3 3 4 4 4 3 4 3 4 4 4 3 3 3 4 4 3 4 4 4 3 3 4 3
2 2 2 2 1 4 3 4 3 3 3 4 3 3 4 3 4 3 4 4 3 3 4 3 3 4 4 4 4 3 4 3 3
2 2 1 2 1 4 3 3 4 3 3 3 3 3 4 4 4 3 3 3 4 3 4 3 4 3 3 3 4 3 4 4 3
2 2 1 1 1 4 4 3 4 4 3 4 3 3 3 3 3 4 3 4 3 3 3 3 3 4 3 3 4 3 3 3 4
2 2 1 2 1 3 4 3 4 3 3 4 3 3 4 3 3 4 4 3 3 3 4 3 3 4 4 3 4 4 4 3 3
2 1 1 2 1 3 3 4 4 3 4 4 3 3 4 4 4 3 4 4 3 4 3 4 4 3 3 3 4 4 4 3 4
2 2 1 1 1 3 3 4 3 4 3 4 3 3 4 3 4 3 4 3 3 4 3 4 4 3 3 3 4 3 4 4 4
2 2 2 1 1 4 4 4 4 4 3 4 3 3 4 4 3 3 3 3 3 3 4 4 3 3 3 3 3 4 4 3 4
2 1 2 1 1 4 3 3 3 3 4 4 4 4 4 4 3 3 3 4 3 3 4 3 4 4 3 4 4 3 4 3 4
2 2 1 1 1 3 4 4 3 3 4 4 4 4 4 3 4 3 3 4 3 3 4 3 3 4 4 4 3 3 3 4 3
2 1 2 1 1 4 4 3 3 3 3 3 3 4 3 4 3 3 3 4 3 3 4 4 3 4 4 3 3 3 4 4 3
2 1 2 1 1 3 3 3 3 4 3 3 4 4 4 3 3 3 3 3 3 3 4 4 4 3 3 4 4 3 3 3 4
2 1 2 2 1 4 3 3 4 4 4 3 4 3 3 3 4 4 3 3 4 4 3 3 3 4 3 3 4 4 4 3 3
1 2 1 2 1 3 4 4 4 3 4 4 4 4 4 4 3 3 3 3 4 3 3 4 3 4 3 3 4 3 4 3 3
1 2 2 2 1 4 4 3 4 4 4 4 4 3 4 4 4 4 3 4 3 4 3 3 4 3 3 3 4 4 3 4 4
1 1 2 2 1 4 3 4 3 4 4 3 4 4 3 3 4 4 4 4 4 3 4 4 3 4 3 3 3 4 4 4 3
1 1 1 2 1 3 4 4 3 4 3 3 4 4 4 3 4 4 4 3 4 4 3 3 3 3 4 3 3 3 4 3 4
2 2 1 2 1 3 3 3 3 4 3 4 3 3 3 4 3 3 4 4 3 3 4 4 4 3 3 4 3 4 4 3 3
2 2 1 2 1 4 4 3 3 4 4 4 3 3 3 3 3 3 4 4 3 3 4 4 4 3 3 3 3 4 3 4 4
2 2 1 1 1 3 4 4 3 4 3 4 4 3 3 4 4 3 3 4 4 3 3 4 4 4 3 4 3 4 3 3 4
1 2 2 1 1 3 3 4 4 3 4 3 4 4 3 3 4 4 4 3 3 3 4 3 3 3 4 3 3 4 3 3 4
2 2 1 2 1 4 3 4 3 3 4 3 4 3 3 4 4 3 4 4 4 4 3 3 3 3 4 4 3 4 3 3 4
2 1 1 2 1 3 3 4 4 4 4 3 3 4 3 3 3 3 4 4 3 4 3 4 4 3 4 3 3 4 3 3 4
1 1 1 2 1 4 3 4 3 4 4 4 4 4 4 4 4 3 4 3 4 4 3 3 4 3 3 3 4 4 4 3 4
1 1 1 1 1 4 3 3 4 4 3 4 3 4 3 4 3 3 4 4 3 4 4 4 4 4 3 4 3 3 4 4 3
1 2 1 1 1 3 4 3 3 4 4 4 4 4 3 3 4 4 3 3 3 3 4 3 4 3 4 3 4 4 4 3 4
1 2 1 1 1 4 3 4 4 3 3 3 3 4 4 3 3 3 4 4 3 4 3 4 4 3 3 4 3 4 4 4 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 1 2 1 1 4 4 3 4 3 4 4 4 4 3 3 3 4 4 4 3 3 4 3 3 3 4 3 3 3 4 4 3
1 2 2 1 1 3 4 4 3 4 4 4 4 3 4 4 3 3 4 4 3 4 4 4 3 4 3 4 3 3 4 4 4
1 2 1 2 1 4 4 3 3 3 3 3 4 3 3 3 4 4 3 3 3 4 4 4 4 3 3 4 3 3 4 4 3
2 1 1 1 1 4 4 3 3 4 3 3 3 4 4 4 4 3 3 3 4 4 4 4 4 4 3 4 4 4 4 3 4
1 2 2 1 1 3 4 3 3 4 4 4 4 3 3 4 3 4 4 4 3 4 4 4 3 3 4 4 3 4 3 4 4
2 1 1 1 1 4 4 3 3 4 4 3 4 4 3 3 3 3 3 3 4 4 4 4 4 4 4 4 4 4 3 3 4
1 1 1 1 1 4 3 3 4 4 4 3 4 3 4 4 3 4 4 3 4 3 3 3 3 3 4 3 4 3 4 3 3
2 1 1 2 1 3 4 4 4 3 3 4 3 3 4 4 4 3 3 3 4 4 4 3 3 4 3 3 4 3 3 4 4
1 2 1 2 1 4 3 4 3 3 3 3 4 3 4 4 3 3 4 4 3 4 4 3 3 4 4 4 3 4 4 3 4
2 1 2 2 1 4 5 4 4 5 4 5 5 5 5 5 4 4 4 4 4 4 5 4 5 4 5 4 5 5 4 5 5
1 1 1 1 1 5 4 5 5 4 4 5 4 5 5 5 5 4 5 5 5 4 5 5 5 4 4 4 5 5 4 4 4
2 2 2 2 1 4 5 5 5 5 4 5 5 5 5 4 5 5 4 4 4 5 5 4 4 5 4 5 5 5 5 5 5
1 1 2 2 1 4 5 4 4 4 4 5 4 4 4 4 4 5 4 4 4 4 5 4 5 5 4 4 5 4 5 4 5
2 2 2 1 1 4 5 4 4 4 4 5 5 5 4 4 4 5 5 4 4 5 4 5 4 4 5 4 5 4 5 4 5
1 2 2 1 1 4 5 4 4 5 4 5 4 4 4 5 5 4 4 4 5 5 5 5 4 5 4 5 5 5 5 5 5
2 2 1 1 1 4 4 4 4 5 5 5 4 5 4 5 5 4 4 5 4 5 4 5 4 4 5 5 5 5 5 5 4
2 2 1 2 1 4 4 5 5 4 4 4 5 4 4 5 5 4 5 4 5 5 4 5 4 4 5 4 5 5 4 4 5
2 1 2 1 1 5 5 4 4 5 4 4 5 5 5 5 5 5 5 4 4 4 5 4 5 4 4 5 5 5 4 5 4
2 1 1 1 1 5 4 5 4 4 5 5 4 4 4 4 5 5 5 4 4 5 5 4 4 5 5 4 4 4 5 5 4
2 1 1 1 1 5 5 4 5 5 5 5 4 4 5 5 4 5 4 4 5 4 4 5 5 4 5 4 4 5 4 5 4
2 2 1 1 1 5 4 5 4 4 5 5 4 5 5 4 4 5 4 5 5 5 5 5 4 5 4 5 5 5 4 4 4
1 1 1 2 1 5 4 5 5 5 4 4 4 5 5 5 4 5 4 4 5 5 4 5 4 4 5 4 4 4 5 4 4
2 2 2 1 1 4 5 4 5 5 4 4 4 4 5 5 5 5 5 5 4 4 5 5 4 4 4 5 4 4 5 4 4
1 2 1 1 1 5 4 4 5 4 5 4 5 4 4 5 5 5 5 5 5 5 5 5 5 4 4 4 5 5 5 5 4
2 2 2 2 1 5 4 4 5 4 5 4 4 4 4 5 4 4 4 4 5 4 5 5 4 5 4 5 4 5 4 4 4
1 1 2 2 1 4 5 4 4 5 5 4 4 4 5 5 4 4 5 4 5 5 4 5 4 5 5 5 4 4 4 4 5
1 1 1 1 1 5 5 4 4 5 4 5 5 5 5 5 4 5 4 4 5 5 5 4 5 5 5 5 5 4 5 5 5
1 1 2 2 1 5 4 5 5 4 5 4 5 4 5 4 5 5 4 5 4 5 5 5 5 4 4 5 5 5 5 4 5
2 1 1 2 1 5 5 4 4 5 4 4 4 4 5 5 5 5 5 4 5 4 4 4 5 5 5 4 5 4 5 4 5
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 2 1 2 1 5 4 5 5 5 5 4 4 5 4 5 5 4 5 5 5 4 4 4 5 4 5 5 4 5 4 5 4
1 2 1 2 1 4 4 5 4 4 4 5 4 5 4 4 4 4 4 5 5 5 4 5 4 5 5 5 5 4 4 4 5
2 1 1 2 1 4 3 4 4 3 3 3 4 4 4 3 4 3 3 4 3 3 4 4 4 4 4 3 3 3 3 3 4
2 1 2 1 1 4 3 4 4 3 4 4 3 4 3 4 4 4 4 3 3 4 4 4 4 4 3 3 4 4 3 4 4
1 2 1 1 1 3 4 3 3 3 3 4 3 4 4 4 3 4 4 3 4 4 3 3 3 3 4 4 3 4 3 4 4
2 1 2 2 1 4 4 3 3 3 4 4 3 4 3 4 3 4 3 4 4 4 3 3 4 4 3 4 4 4 3 3 4
2 1 1 2 1 4 4 4 3 4 3 3 4 3 3 4 4 3 3 4 3 3 3 3 4 3 4 3 4 3 4 3 3
1 1 1 1 1 4 3 3 4 4 4 3 3 4 3 4 4 4 4 3 4 4 4 4 3 3 3 4 3 3 3 3 4
2 2 2 2 1 3 3 4 3 4 3 4 4 4 3 3 3 4 4 4 3 3 3 4 4 4 4 4 3 4 4 4 4
2 2 2 2 1 3 3 3 4 4 3 4 3 4 4 4 3 4 4 4 3 4 4 3 3 4 4 3 4 3 4 4 3
2 2 2 1 1 3 3 4 3 4 3 4 4 3 3 3 3 4 3 4 3 4 3 4 3 3 3 4 3 4 3 3 3
1 2 2 1 1 4 4 4 3 3 4 4 4 4 4 4 3 3 4 3 3 4 3 3 3 3 3 4 3 3 3 3 4
2 2 1 1 1 3 4 3 4 3 4 3 3 4 3 3 4 4 3 3 4 4 4 4 4 4 4 3 3 3 3 4 4
1 2 1 1 1 4 4 4 4 3 4 3 4 4 3 3 4 3 4 3 3 3 4 3 4 3 3 4 3 3 3 4 4
2 2 2 1 1 4 4 3 4 4 3 4 4 4 3 3 4 4 4 4 3 3 3 3 4 4 4 4 4 3 3 3 3
2 1 1 2 1 4 4 4 3 4 3 3 4 4 4 4 3 3 3 4 3 3 3 3 3 3 4 3 3 3 3 3 3
1 1 2 2 1 3 3 4 4 3 3 4 3 3 3 3 4 4 3 3 3 3 4 3 3 4 4 3 4 3 4 4 3
1 1 1 1 1 4 3 4 4 3 4 3 3 3 3 3 3 3 4 4 4 4 4 3 4 3 4 3 4 4 3 4 4
2 1 2 1 1 4 3 4 4 4 4 3 3 4 3 4 4 4 4 3 4 4 4 3 4 4 3 3 3 4 4 4 3
1 2 2 2 1 4 3 3 4 3 3 4 3 3 3 3 4 4 4 3 4 3 4 3 3 4 4 3 4 4 4 4 3
2 2 2 1 1 3 3 4 4 3 4 3 3 4 4 3 4 4 3 3 4 3 3 3 4 3 3 4 3 4 3 3 4
2 2 2 1 1 4 3 4 4 3 3 3 3 3 3 4 4 4 3 4 4 3 4 3 3 3 3 4 4 3 4 3 4
2 1 1 2 1 3 3 3 3 4 4 4 4 3 3 3 4 4 3 3 3 4 4 4 4 3 3 4 4 3 3 4 4
2 1 1 2 1 4 4 3 3 3 4 3 3 3 4 3 3 3 4 4 4 3 3 3 3 4 4 3 3 3 4 3 3
2 2 1 2 1 4 4 4 3 4 3 4 3 3 4 4 3 3 3 4 4 3 4 3 3 3 3 4 4 4 3 3 4
2 2 2 2 1 4 4 4 4 4 3 4 3 4 3 4 3 3 3 4 4 3 3 4 4 4 4 3 3 3 4 4 4
1 2 2 1 1 3 4 4 3 3 4 4 4 3 4 3 4 3 4 3 4 3 3 4 4 3 4 4 4 4 4 3 3
2 1 2 2 1 3 4 4 4 4 4 4 3 4 3 3 3 4 4 4 4 3 4 3 3 4 4 3 4 4 4 4 3
1 1 2 1 1 3 3 3 3 3 4 4 4 3 3 4 3 4 4 4 4 4 4 4 4 4 3 3 4 3 3 3 4
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 1 1 1 1 4 4 3 4 3 3 4 3 4 3 4 3 3 4 4 3 4 4 3 3 3 3 3 3 4 4 4 3
1 1 1 2 1 4 3 3 3 3 4 3 4 4 3 4 3 4 3 4 4 3 3 3 4 3 3 3 4 3 3 3 3
1 1 1 1 1 3 3 3 4 4 3 3 3 4 3 4 4 3 3 3 3 4 3 3 3 3 3 3 4 4 3 4 3
1 2 2 1 1 2 3 2 2 3 3 2 2 3 2 3 3 3 3 3 2 2 3 2 2 3 3 3 3 2 2 2 2
2 1 1 2 1 2 2 3 3 3 3 3 2 2 3 3 3 2 2 2 2 2 3 3 3 2 3 2 3 3 2 3 2
1 1 2 1 1 2 2 3 3 2 3 2 2 3 3 3 3 3 3 2 3 3 3 3 3 2 3 2 3 2 2 2 2
1 1 2 2 1 3 2 2 3 3 2 3 3 2 3 3 3 2 3 3 2 2 3 2 2 3 3 2 2 2 2 2 2
1 1 2 2 1 3 2 2 3 2 2 2 2 2 2 3 2 2 2 3 3 3 2 2 3 3 2 3 3 2 2 3 3
1 2 2 1 1 3 3 2 2 2 2 2 2 3 3 3 2 3 3 2 2 2 3 2 2 2 3 2 2 3 2 2 2
2 2 1 1 1 2 2 2 2 3 3 3 3 3 3 3 3 2 3 3 3 2 3 2 3 3 2 2 3 2 3 3 3
1 1 2 2 1 3 2 2 2 2 3 2 2 2 2 2 3 2 3 3 3 2 3 3 2 3 3 3 2 3 3 2 3
2 2 2 2 1 2 3 2 2 2 2 3 2 3 3 2 3 3 3 3 2 2 3 2 3 2 3 3 2 2 3 2 3
2 1 2 1 1 3 3 4 3 4 3 3 4 4 3 4 4 4 3 4 3 4 3 3 3 3 4 4 4 4 3 3 4
1 1 2 1 1 3 4 4 4 4 3 4 4 3 3 4 3 3 4 3 4 3 4 4 3 3 4 3 4 3 4 3 4
1 1 1 2 1 3 3 4 4 4 4 3 3 3 4 4 4 3 4 3 3 4 4 3 3 4 4 4 4 4 4 3 3
1 2 2 2 1 4 4 4 4 3 3 3 3 3 4 3 3 3 3 4 3 3 3 3 4 4 3 3 4 4 4 4 3
2 2 2 1 1 3 4 4 3 4 4 4 4 3 3 3 4 4 4 4 4 4 4 4 4 3 3 4 3 3 3 4 3
1 2 2 1 1 4 4 4 3 4 4 3 3 4 4 3 4 4 4 4 4 3 4 3 4 3 4 3 4 3 4 3 4
1 1 2 2 1 4 4 3 3 4 4 3 3 3 3 4 3 4 4 4 4 4 3 3 3 3 4 3 4 3 4 4 3
2 1 2 2 1 3 3 3 3 2 2 2 2 2 2 2 2 3 2 3 3 2 3 2 3 2 3 2 3 2 2 3 3
2 1 1 1 1 2 3 3 3 3 2 2 2 2 2 2 3 2 3 2 3 2 2 3 3 2 3 3 3 3 2 2 2
2 2 2 2 1 2 2 3 2 3 3 3 2 3 2 3 2 3 2 2 3 3 2 3 2 3 2 2 3 2 2 2 2
2 2 2 2 1 3 3 2 2 3 3 2 2 3 3 2 3 2 2 2 2 3 3 3 3 3 2 3 3 3 3 3 3
2 1 2 2 1 3 2 2 2 2 3 2 3 3 2 2 3 2 3 3 3 3 3 2 3 3 2 2 2 2 2 2 3
1 2 2 2 1 3 2 3 3 2 3 3 2 2 3 3 3 3 2 2 2 3 2 3 3 3 2 3 2 3 2 3 3
1 1 2 2 1 2 3 2 2 2 2 3 3 3 3 2 3 2 2 3 3 3 3 3 3 3 2 3 2 2 2 2 3
2 2 2 2 1 2 2 3 3 2 2 2 2 2 2 2 2 2 2 3 2 3 3 2 2 2 2 2 2 2 3 2 2
2 1 2 2 1 3 2 3 3 3 3 3 2 3 3 3 2 2 2 3 2 3 3 3 2 2 2 2 3 2 2 2 3
1 2 1 1 1 2 3 3 3 2 2 3 2 2 3 3 2 2 2 2 3 3 3 2 3 3 3 2 2 2 2 2 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 2 2 2 1 4 4 4 3 3 4 3 3 3 4 3 4 4 4 3 3 3 3 4 4 4 4 4 4 3 4 4 3
1 1 1 1 1 3 3 3 3 3 3 3 4 3 3 3 3 4 4 3 3 4 4 3 3 3 3 4 4 3 3 4 3
1 2 2 1 1 3 4 4 4 4 4 3 4 4 4 4 3 3 3 3 4 3 4 3 4 3 4 4 3 3 4 3 3
1 1 2 1 1 4 4 4 3 4 3 3 4 4 3 3 3 3 4 3 4 3 4 4 3 3 4 4 4 3 4 3 4
2 2 1 2 1 3 4 4 3 4 3 3 3 3 3 4 4 4 4 4 4 3 3 4 4 4 4 3 3 3 3 4 3
2 2 2 1 1 4 3 3 4 3 3 3 3 4 3 3 4 4 3 4 3 3 3 3 3 4 3 4 4 4 4 3 4
2 1 2 2 1 4 3 3 3 3 3 4 3 3 3 4 4 3 3 4 3 4 3 3 4 4 3 4 3 3 4 4 3
1 1 1 1 1 4 3 4 3 3 4 4 4 3 4 3 4 3 3 3 4 4 4 4 4 3 3 3 4 3 4 4 3
2 2 1 2 1 4 4 4 4 4 3 4 4 4 4 4 4 3 3 3 3 3 4 4 3 3 3 4 3 4 4 4 4
2 1 1 1 1 3 3 4 4 3 3 3 4 3 3 4 4 3 3 4 3 3 4 3 4 4 4 4 3 3 4 3 3
2 2 2 2 1 3 4 4 3 3 3 3 3 4 4 3 4 4 4 4 4 3 3 4 3 4 3 3 4 3 3 4 4
1 2 2 2 1 3 4 3 3 3 4 3 4 4 3 3 4 4 4 4 4 4 3 4 4 3 3 4 3 4 3 4 3
1 1 1 2 1 4 3 4 3 3 4 4 3 4 3 3 4 3 4 3 4 3 4 4 3 3 3 3 4 4 3 3 4
1 1 2 2 1 4 3 4 4 4 4 3 3 4 3 4 3 3 3 4 4 3 4 4 3 4 4 3 3 3 4 4 4
2 2 2 2 1 3 4 3 3 4 3 4 4 4 3 3 4 3 4 4 3 3 3 3 3 4 4 4 3 3 4 3 4
2 1 1 1 1 4 4 3 3 4 4 4 3 4 4 4 4 3 4 4 4 4 3 4 3 3 4 3 3 3 4 4 3
2 1 1 2 1 3 3 3 3 3 4 3 3 4 3 4 3 4 3 3 3 3 4 4 4 3 4 4 4 4 3 3 3
1 1 2 1 1 3 3 4 3 3 4 4 3 4 4 4 4 4 4 3 4 3 4 4 3 4 4 3 4 4 4 3 4
2 2 2 1 1 3 4 3 4 3 4 4 4 4 3 3 3 4 3 4 3 3 4 4 3 3 3 3 3 4 3 4 3
2 2 1 2 1 4 3 4 4 3 4 4 3 4 3 4 4 4 3 4 3 3 4 3 3 4 4 3 4 3 4 4 4
1 1 2 1 1 4 3 4 3 4 4 3 4 3 3 3 4 3 4 3 3 4 3 3 3 3 4 3 4 4 3 3 3
2 2 1 1 1 4 3 3 4 4 3 3 4 3 4 4 4 4 3 4 4 3 3 3 4 3 3 3 3 4 3 4 3
2 2 2 2 1 3 4 4 3 4 4 4 4 4 4 4 4 3 4 3 4 3 4 3 3 3 4 3 3 4 3 3 3
2 2 2 2 2 3 4 4 4 3 3 3 4 3 4 3 3 3 4 4 3 4 3 4 4 3 3 4 4 3 4 3 3
1 1 1 2 2 4 4 3 3 4 3 4 4 3 3 4 4 3 4 3 4 3 4 3 4 3 3 4 3 4 4 4 3
2 2 2 2 2 4 4 4 3 4 3 4 3 4 4 4 4 4 3 4 3 3 4 3 4 4 3 3 3 4 3 4 4
2 1 2 2 2 3 3 3 3 3 4 4 4 3 3 3 3 3 4 4 4 3 3 4 3 3 4 4 3 4 3 4 4
2 2 1 2 2 3 4 4 3 4 3 4 3 4 3 3 4 3 3 4 4 3 4 4 4 3 4 4 4 3 4 3 4
2 1 2 2 2 4 4 3 3 3 4 3 4 3 4 4 4 4 3 4 3 4 4 4 3 4 3 4 4 4 4 3 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 1 2 2 2 3 3 3 4 4 4 4 4 4 3 4 4 4 3 3 3 3 3 4 3 3 4 3 4 3 4 4 4
1 1 2 2 2 3 4 4 3 4 3 3 4 4 3 3 4 3 3 4 4 4 3 4 4 3 4 4 4 3 3 4 4
1 1 1 1 2 3 3 3 4 3 4 3 4 4 4 3 3 4 3 3 3 4 3 3 4 4 4 4 3 4 3 3 3
1 2 2 1 2 3 3 3 3 3 4 4 3 3 4 4 4 3 4 3 4 3 3 3 4 4 4 3 3 4 4 3 3
1 2 1 2 2 4 4 3 3 4 4 3 3 3 3 4 3 3 4 4 4 4 3 4 3 4 4 4 4 3 4 3 4
2 1 2 2 2 4 4 3 3 3 4 4 3 4 4 3 3 3 4 3 4 4 3 3 4 4 3 4 4 3 3 3 3
1 1 1 1 2 3 3 3 3 4 3 4 3 3 4 3 3 3 4 4 3 4 3 4 3 3 3 3 4 3 4 3 3
2 1 1 1 2 3 4 3 4 4 4 3 3 3 4 4 4 3 4 4 4 4 3 4 4 4 4 3 4 4 4 4 4
2 2 2 2 2 3 4 4 4 4 4 3 3 4 3 4 4 4 3 4 4 4 4 3 3 3 3 3 3 4 4 3 4
1 2 1 1 2 3 4 3 4 4 3 3 3 3 4 4 3 4 3 4 3 3 3 3 3 4 3 4 3 3 4 3 3
1 1 1 2 2 5 4 5 5 5 5 5 5 5 5 4 4 5 5 4 4 4 4 5 4 5 4 4 5 4 4 5 4
1 2 1 1 2 4 4 4 5 5 4 4 4 4 5 4 5 5 4 4 4 5 4 4 5 4 4 4 4 5 4 5 5
1 2 2 1 2 4 5 4 5 4 5 5 4 5 5 4 4 5 4 4 4 4 4 5 4 5 5 5 5 4 4 4 5
1 2 1 2 2 4 4 4 5 5 4 4 5 4 4 4 4 5 5 5 5 4 5 4 4 4 4 5 4 4 4 5 5
2 2 1 2 2 4 5 5 5 5 5 5 4 5 4 5 5 5 5 5 5 4 4 5 4 5 5 5 5 4 4 4 5
2 1 1 1 2 5 4 4 4 4 4 4 5 4 5 5 5 5 4 5 5 4 4 5 5 5 4 4 4 5 4 5 4
1 2 2 1 2 5 4 4 5 5 5 4 4 4 5 4 4 4 5 5 4 5 4 5 4 4 5 4 4 4 4 4 4
1 2 2 1 2 4 5 4 5 4 5 4 5 5 4 5 4 5 5 5 4 4 4 5 5 4 5 4 4 4 4 4 4
2 1 1 2 2 4 5 4 5 4 4 5 5 5 5 4 5 5 4 4 5 5 4 5 5 4 5 4 4 4 4 4 5
1 1 2 2 2 4 5 4 4 4 4 4 5 4 4 4 5 5 5 4 5 5 4 4 5 5 4 4 4 5 4 4 4
1 2 2 2 2 4 4 5 4 5 5 4 5 5 5 4 5 4 5 4 4 4 5 5 4 4 5 4 5 4 5 5 5
2 2 1 2 2 5 5 5 5 5 4 5 4 4 4 5 4 4 4 5 4 5 5 4 5 4 4 5 5 4 4 4 4
2 2 1 2 2 4 5 4 4 4 5 4 5 5 5 5 5 4 5 4 5 5 5 5 4 4 4 5 4 5 4 5 5
1 2 1 2 2 4 4 5 4 4 4 4 5 5 4 4 5 4 5 4 4 5 4 5 4 5 4 5 4 4 4 5 5
2 1 1 1 2 5 4 4 5 4 4 5 5 4 4 5 5 5 4 4 4 5 5 4 4 5 5 5 5 5 5 5 4
1 1 2 2 2 4 5 4 5 5 5 4 5 4 5 5 5 4 5 4 5 5 4 4 4 5 5 4 5 5 4 4 4
1 2 2 2 2 4 4 5 5 4 4 4 5 4 4 5 5 4 4 5 4 4 5 5 4 4 4 4 5 5 5 4 4
2 1 2 1 2 5 4 4 5 4 4 5 5 5 5 4 5 4 4 4 4 5 4 4 5 5 5 4 4 4 4 5 4
2 1 1 1 2 4 5 4 4 5 5 4 4 5 4 4 4 5 4 5 5 4 4 4 5 5 5 5 4 4 5 4 5
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 1 1 2 2 4 5 5 4 4 5 5 4 4 4 4 5 5 4 5 4 5 5 5 4 5 5 5 4 5 4 4 4
2 2 2 1 2 5 5 5 5 5 4 5 4 4 5 4 5 5 5 4 5 4 5 4 5 4 4 4 5 5 5 5 5
2 1 1 1 2 5 5 4 5 4 4 4 4 4 5 5 5 5 5 4 4 4 5 4 5 5 4 4 4 4 5 5 5
1 2 2 1 2 4 4 4 3 4 3 4 4 4 3 3 4 4 3 3 4 4 4 3 3 3 4 3 3 4 4 3 3
1 2 1 2 2 4 4 3 3 3 4 4 4 4 4 3 4 3 4 3 4 3 4 3 4 4 3 4 4 4 4 3 3
1 1 2 2 2 3 3 4 3 4 4 4 3 3 3 4 4 4 3 4 3 3 4 4 3 3 4 4 4 4 4 3 4
2 2 1 1 2 4 3 3 3 3 3 3 3 4 3 3 3 3 3 4 3 3 4 3 3 3 4 3 3 3 4 4 3
1 2 2 2 2 3 4 4 4 3 3 3 4 3 3 4 4 4 3 4 4 4 4 4 4 3 3 4 4 4 4 4 4
2 2 1 2 2 4 3 3 4 3 3 3 4 4 4 4 4 4 4 3 4 3 4 3 3 4 4 4 4 3 3 4 3
2 1 1 2 2 4 3 4 3 4 4 3 4 3 4 3 3 3 4 4 4 3 4 4 3 3 3 3 4 4 4 4 3
2 2 1 1 2 3 4 4 3 3 4 4 3 3 4 3 4 4 4 4 4 3 4 3 4 3 4 4 4 3 4 3 4
1 1 2 2 2 3 3 3 4 3 3 4 4 3 4 3 3 3 4 3 4 3 4 3 3 3 4 3 3 3 4 3 3
1 2 2 1 2 4 4 3 3 3 3 3 3 4 4 4 3 3 4 4 4 4 3 4 3 3 3 4 3 3 3 3 4
2 2 1 1 2 4 4 3 4 3 4 4 3 3 3 3 3 3 3 4 4 3 4 3 4 4 3 4 3 4 3 3 4
1 1 2 2 2 4 4 4 3 3 3 4 3 4 4 4 4 3 3 3 4 3 3 4 3 4 3 4 3 4 3 4 4
2 1 1 1 2 4 4 3 3 4 4 3 3 4 3 4 4 4 4 3 4 4 4 4 4 4 3 3 3 4 3 4 3
2 1 2 1 2 4 4 4 3 3 3 4 3 3 3 3 4 4 4 4 4 4 3 3 3 3 4 3 4 3 3 3 4
1 2 2 1 2 4 4 4 3 3 4 3 3 3 3 4 3 4 4 4 4 4 3 4 3 3 3 4 4 4 3 4 4
2 1 1 2 2 4 4 4 4 3 4 3 4 3 4 4 3 4 4 3 3 3 4 4 3 4 3 3 4 3 4 3 3
1 1 1 2 2 4 3 3 3 3 4 4 3 4 4 3 3 3 4 3 3 4 3 3 3 3 3 3 4 3 4 4 3
1 1 1 2 2 4 3 4 4 3 3 3 3 3 4 3 3 3 3 4 3 4 4 3 4 4 3 4 4 4 4 3 3
1 2 1 1 2 4 4 3 4 3 3 3 3 3 4 4 3 4 4 3 3 3 4 3 3 3 4 4 3 3 4 4 3
1 1 2 2 2 4 3 4 4 4 4 4 3 3 3 3 4 3 4 4 3 4 4 4 4 3 3 3 3 4 4 3 3
1 2 2 1 2 3 4 4 4 3 4 3 4 3 4 3 3 4 3 3 4 4 4 4 3 4 3 3 3 3 4 4 4
2 2 1 1 2 4 4 4 3 4 3 3 3 4 3 4 4 3 3 3 4 3 4 3 4 3 4 3 4 4 4 4 3
1 1 2 2 2 4 4 3 3 3 3 4 4 3 3 4 4 3 4 3 4 3 4 3 3 3 4 4 4 4 3 3 3
1 1 1 2 2 3 4 4 4 4 4 4 4 4 4 4 3 4 3 3 4 4 4 4 3 3 4 3 3 4 4 3 4
1 2 2 1 2 4 4 4 3 4 3 4 4 4 4 4 4 4 3 4 4 3 4 3 3 4 3 4 3 4 3 3 4
2 1 2 2 2 4 4 3 4 3 4 3 4 4 4 4 4 4 3 4 3 4 4 4 4 4 3 3 4 3 3 4 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 2 1 2 2 4 3 4 3 3 4 3 3 3 4 3 4 4 4 3 4 3 4 4 3 4 4 3 3 3 3 3 3
1 2 2 1 2 3 4 3 3 3 3 3 3 3 4 4 4 4 3 4 3 4 4 3 3 3 4 4 3 3 4 4 4
2 1 1 1 2 3 4 3 3 3 4 4 3 4 3 4 4 4 3 3 4 4 3 3 3 3 4 3 4 4 3 3 4
1 2 1 2 2 4 4 4 3 3 4 3 4 3 4 3 3 3 4 4 4 4 4 3 4 3 3 4 3 3 4 3 4
1 2 1 2 2 2 3 2 2 3 3 2 3 3 3 3 3 2 2 3 2 2 3 2 3 3 3 2 3 2 3 3 3
2 2 2 2 2 2 2 3 2 2 2 2 2 3 3 2 2 2 2 2 2 3 2 2 3 3 2 2 2 2 2 3 2
2 2 2 1 2 2 3 3 3 3 2 3 2 2 3 3 3 2 2 2 3 3 3 3 3 3 2 2 2 2 3 3 2
1 2 1 1 2 3 3 3 3 3 3 2 2 2 3 2 3 2 2 2 3 3 3 2 2 3 3 3 2 3 2 2 2
1 2 2 1 2 3 3 3 3 2 2 3 2 3 3 2 3 3 2 3 3 3 2 2 3 3 2 3 3 2 3 2 3
1 2 1 2 2 3 2 2 2 2 3 3 3 3 2 2 3 3 2 2 3 3 2 2 2 2 2 3 3 2 2 2 3
2 2 2 2 2 2 3 3 2 3 3 3 2 2 3 2 2 2 3 3 3 3 3 2 3 2 3 3 3 3 2 3 2
2 1 1 2 2 3 2 3 3 3 2 3 3 2 2 3 2 2 2 3 3 3 2 3 3 3 3 3 3 2 2 2 2
1 1 2 1 2 3 2 2 2 3 2 2 3 3 3 3 3 2 2 2 2 3 2 2 3 2 3 2 3 3 2 2 2
2 2 2 1 2 3 3 3 3 2 2 2 2 3 2 3 3 3 2 2 3 3 2 2 2 3 2 3 3 3 3 2 2
1 2 1 1 2 2 2 2 1 1 2 2 1 1 2 2 2 2 2 2 2 1 2 1 1 2 1 2 2 1 2 2 1
1 2 2 1 2 1 1 2 2 1 2 1 1 1 2 2 1 1 1 1 2 2 1 2 1 2 1 2 2 1 1 2 1
2 1 1 1 2 2 2 2 1 2 2 1 2 1 1 2 1 1 2 1 2 2 1 2 1 2 1 2 2 2 2 1 2
2 1 2 2 2 2 1 1 2 1 1 2 2 1 2 2 2 2 1 1 1 2 2 1 1 1 1 2 1 2 1 2 2
2 2 2 2 2 3 3 4 3 4 3 3 4 4 3 4 4 4 3 4 3 4 3 3 3 3 4 4 4 4 3 3 4
1 2 2 2 2 3 4 4 4 4 3 4 4 3 3 4 3 3 4 3 4 3 4 4 3 3 4 3 4 3 4 3 4
1 2 1 1 2 3 3 4 4 4 4 3 3 3 4 4 4 3 4 3 3 4 4 3 3 4 4 4 4 4 4 3 3
2 1 1 1 2 4 4 4 4 3 3 3 3 3 4 3 3 3 3 4 3 3 3 3 4 4 3 3 4 4 4 4 3
1 2 2 1 2 3 4 4 3 4 4 4 4 3 3 3 4 4 4 4 4 4 4 4 4 3 3 4 3 3 3 4 3
2 1 2 1 2 4 4 4 3 4 4 3 3 4 4 3 4 4 4 4 4 3 4 3 4 3 4 3 4 3 4 3 4
1 1 2 2 2 4 4 3 3 4 4 3 3 3 3 4 3 4 4 4 4 4 3 3 3 3 4 3 4 3 4 4 3
2 1 1 2 2 2 2 2 3 2 3 2 3 2 3 2 3 3 2 3 2 3 2 2 3 3 2 2 3 3 2 2 3
2 1 1 2 2 2 2 3 3 3 3 3 2 3 2 2 3 2 3 2 2 2 2 2 2 2 2 2 3 2 3 3 3
2 2 2 2 2 2 2 2 2 2 3 3 2 2 2 3 3 3 3 3 2 3 2 2 3 2 2 3 2 2 3 2 3
1 2 1 2 2 3 3 3 2 3 3 2 3 2 3 2 3 3 2 3 2 2 3 2 3 2 2 3 3 3 2 2 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 1 2 2 2 2 2 2 2 2 2 3 2 3 3 2 3 3 3 3 2 3 2 2 3 2 2 2 3 3 2 2 3
2 1 2 1 2 3 4 4 4 3 4 3 4 3 4 3 4 3 4 4 4 3 4 3 4 4 4 4 4 3 4 3 4
2 2 2 1 2 4 3 3 4 4 4 4 4 4 4 3 3 4 4 4 4 3 3 3 4 4 3 4 4 4 3 3 4
2 2 2 1 2 4 3 4 3 4 3 3 3 3 3 3 4 3 3 4 4 3 3 4 4 4 4 3 3 4 3 3 3
2 1 1 2 2 3 3 4 4 4 3 3 4 3 4 3 4 4 3 3 3 3 4 4 4 4 3 3 4 3 4 3 3
1 2 1 2 2 3 4 3 4 4 4 4 4 3 3 3 4 4 3 4 4 3 3 3 4 3 3 3 3 4 3 4 4
1 2 1 2 2 3 3 4 4 3 4 4 3 3 3 3 4 3 4 3 3 3 3 3 3 4 3 4 4 4 3 4 3
2 1 2 2 2 4 4 3 3 4 3 4 4 3 3 3 3 4 4 3 3 4 3 4 4 4 3 3 3 3 3 4 4
1 2 2 1 2 4 4 4 3 4 4 3 4 4 4 4 4 3 3 3 4 4 3 3 4 3 3 3 3 4 3 4 4
1 2 2 1 2 3 4 3 3 4 4 4 4 3 4 4 3 4 4 4 3 3 4 4 4 3 3 3 3 3 4 3 3
1 1 2 1 2 3 3 4 3 3 3 4 3 3 3 4 3 3 4 4 4 4 3 4 4 4 3 3 3 3 3 3 4
1 2 2 1 2 3 4 3 3 4 3 4 3 4 4 4 4 3 4 4 4 3 3 3 3 3 4 3 4 4 4 4 3
2 2 1 2 2 3 4 3 4 4 3 3 3 3 3 4 4 3 4 4 4 4 4 3 3 4 4 3 3 3 4 3 3
1 2 1 1 2 4 4 4 3 4 4 4 4 4 4 4 4 4 4 3 4 4 4 4 3 3 4 4 4 4 3 3 4
2 1 2 2 2 4 3 4 4 4 3 4 3 4 3 3 3 3 4 4 4 3 3 4 4 3 3 4 3 3 3 4 4
2 1 2 1 2 4 4 3 4 3 3 4 3 4 3 4 4 3 3 4 4 3 4 4 4 4 3 3 4 3 3 3 4
1 1 1 1 2 4 4 4 3 4 3 4 4 4 4 3 4 4 3 3 3 4 3 4 4 4 4 3 4 3 4 3 3
2 2 2 1 2 3 4 3 3 3 3 4 3 3 4 4 3 3 4 4 4 4 4 4 3 3 3 4 3 4 3 3 3
2 2 1 2 2 4 3 4 4 3 4 3 3 3 4 3 3 4 4 3 3 4 4 3 4 3 3 4 4 3 3 3 3
2 2 2 2 2 4 3 3 4 3 3 4 4 4 4 4 4 3 4 4 3 3 4 3 3 3 4 3 4 3 3 4 3
1 2 2 1 2 3 3 3 3 4 3 3 3 4 3 4 4 3 4 4 3 4 4 4 3 3 4 3 3 4 3 4 4
1 1 2 2 2 4 3 3 3 4 3 3 4 3 4 4 3 3 4 3 3 4 4 3 3 3 4 3 4 3 4 4 3
2 1 1 2 2 3 4 4 3 3 3 3 3 4 3 4 3 3 4 4 4 3 4 4 4 4 3 4 3 3 3 3 4
1 1 1 2 2 4 3 4 4 4 4 3 4 3 4 3 3 3 4 3 4 3 4 3 4 4 3 4 4 3 4 4 3
1 2 2 1 2 3 4 3 3 4 4 4 4 4 4 3 4 3 3 4 4 4 4 4 4 3 4 4 3 4 3 4 4
1 2 2 1 2 3 4 4 3 4 3 3 3 3 4 4 3 3 4 3 3 3 4 4 4 3 3 3 4 4 4 3 4
1 2 2 2 2 3 4 4 3 4 3 3 4 3 3 3 3 3 3 3 4 4 4 4 4 3 4 3 4 4 3 3 4
1 1 1 1 2 4 3 4 3 3 4 4 3 3 4 3 3 4 4 4 3 3 4 4 4 3 3 4 3 3 3 3 3
1 2 2 1 2 3 3 3 3 3 4 3 3 4 3 4 3 3 4 3 3 3 4 3 4 4 3 4 3 3 3 4 4
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 1 1 1 2 4 3 3 3 4 4 4 3 3 4 4 3 4 4 3 3 3 4 4 4 3 4 3 3 4 4 3 3
1 1 1 2 2 4 4 3 4 4 3 4 3 3 3 3 3 4 4 4 4 4 4 3 3 4 4 3 4 3 4 3 4
1 2 2 1 2 4 3 4 3 4 3 4 4 4 4 3 3 4 3 3 4 3 3 4 4 3 3 4 3 4 4 4 3
2 2 1 1 2 3 3 4 4 4 3 4 3 3 4 4 3 4 4 4 3 4 3 4 3 4 4 4 3 3 4 3 4
2 1 1 2 2 3 4 3 4 3 3 4 3 3 4 3 3 3 3 4 4 4 3 4 4 3 3 4 4 4 3 4 3
1 2 2 2 2 4 4 3 3 4 3 3 4 4 4 3 3 4 4 3 3 4 3 3 3 3 4 3 4 3 4 4 3
2 1 2 1 2 4 3 3 3 4 4 3 4 4 3 4 3 4 4 3 3 4 3 4 4 3 3 3 4 4 4 3 4
1 2 1 1 2 4 4 3 3 3 3 3 4 3 3 4 4 3 4 4 3 4 3 3 3 3 3 4 4 4 3 3 4
1 2 1 2 2 3 4 4 3 4 3 3 4 3 4 3 3 3 3 4 3 3 4 4 3 4 4 4 3 4 4 4 4
1 1 1 1 2 3 4 4 4 4 3 3 4 4 3 4 4 3 3 3 3 4 4 4 4 3 4 4 4 4 3 4 3
1 2 1 1 2 3 4 4 3 4 4 4 3 4 4 4 3 4 4 4 3 4 3 3 4 4 4 3 4 3 3 4 4
1 2 1 2 2 4 5 5 5 5 4 4 5 4 5 4 5 5 4 5 5 4 4 4 4 4 5 5 4 5 4 5 4
2 2 1 2 2 5 5 4 5 4 5 5 4 5 5 5 4 5 5 5 5 5 4 5 5 5 4 5 4 5 5 4 5
1 2 2 1 2 4 5 5 4 4 4 5 5 5 5 5 5 5 4 5 4 4 5 4 4 4 4 4 5 5 5 5 4
2 1 2 2 2 5 5 5 4 4 5 4 5 5 4 4 4 5 4 5 4 5 4 5 4 5 4 5 5 4 5 4 4
1 1 2 1 2 5 4 4 4 4 4 5 5 4 5 5 4 4 5 5 4 5 5 5 5 5 5 5 4 5 4 4 5
1 2 2 2 2 5 5 4 4 4 5 4 4 4 4 5 5 4 4 4 5 5 5 4 5 4 5 5 4 4 5 5 4
2 1 1 1 2 5 4 5 5 4 4 5 5 5 5 5 4 5 4 5 5 5 5 5 5 5 4 4 5 5 4 4 5
1 1 1 1 2 4 5 5 4 5 4 4 5 5 5 5 5 5 4 5 4 4 4 4 5 5 5 5 5 5 4 5 4
2 2 1 1 2 5 5 5 5 5 5 5 4 5 5 4 4 5 4 4 4 4 5 5 5 4 5 4 5 5 5 5 5
2 1 1 1 2 5 4 4 4 4 4 4 5 5 5 5 4 5 5 4 5 4 4 4 5 4 5 5 4 5 5 5 4
2 1 2 1 2 4 4 4 4 4 4 5 4 5 4 5 4 5 5 5 5 4 5 5 4 5 4 5 4 4 4 5 4
1 2 1 1 2 5 5 5 4 5 4 5 4 4 5 5 5 5 4 4 5 4 5 4 4 5 5 4 5 5 4 4 5
1 2 1 1 2 4 5 5 4 5 4 5 5 4 4 5 5 5 4 4 4 4 4 4 5 4 4 4 4 5 4 5 4
1 2 1 1 2 4 4 5 4 4 4 4 4 4 5 4 5 5 4 4 5 5 5 4 5 4 5 5 4 4 5 4 5
1 1 2 2 2 4 4 5 4 4 5 5 4 5 4 5 5 5 4 4 4 5 5 5 5 5 5 5 4 5 5 4 5
1 2 1 1 2 4 4 5 4 4 5 4 5 4 5 4 4 4 4 4 4 4 5 4 5 5 4 5 5 5 5 5 4
2 2 2 1 2 5 4 5 4 4 5 4 5 4 5 4 4 4 4 4 5 4 5 5 5 4 5 4 5 5 5 5 4
2 1 1 2 2 5 4 5 5 5 5 5 5 4 4 4 5 5 4 4 5 5 4 4 5 5 4 4 5 5 4 5 4
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 1 2 1 2 5 4 5 5 5 4 4 4 4 4 4 4 4 4 4 5 4 5 4 5 5 5 5 4 5 5 5 5
1 1 2 1 2 5 4 5 5 4 4 4 5 5 5 5 5 5 4 5 5 5 5 4 5 4 5 4 4 5 4 4 4
1 1 2 2 2 4 5 4 5 5 5 5 4 5 5 4 5 4 4 5 5 5 5 5 5 5 5 4 4 5 4 4 4
2 1 2 2 2 4 5 4 4 5 4 5 4 4 5 5 4 4 5 5 4 5 5 4 5 5 4 4 4 5 4 5 4
2 2 2 1 2 3 4 4 4 4 4 3 4 4 4 3 4 4 3 4 4 4 4 3 3 4 3 3 4 3 3 3 4
1 2 2 2 2 3 3 3 4 3 3 3 3 3 4 3 4 3 4 3 3 4 3 4 4 4 4 3 4 4 4 4 4
2 1 1 1 2 4 4 3 4 3 4 4 3 4 3 4 4 4 4 3 4 4 3 3 3 3 4 3 4 3 4 3 3
2 1 2 2 2 4 4 3 4 4 4 4 3 3 4 4 4 4 3 4 3 4 4 3 3 3 4 3 4 3 4 4 4
2 2 1 2 2 3 3 3 3 3 3 4 3 3 3 3 3 3 3 3 4 4 4 4 3 4 4 4 3 4 4 4 3
2 2 1 2 2 4 3 3 3 4 4 3 4 3 4 3 3 3 4 4 4 3 4 3 3 4 4 3 3 4 3 4 3
2 1 1 2 2 4 3 3 3 4 4 4 4 4 4 3 3 3 4 4 3 4 3 3 3 3 3 3 3 3 4 4 3
2 2 1 2 2 3 4 3 3 4 3 4 4 4 3 4 4 3 3 4 3 4 3 4 4 4 4 3 4 4 3 4 4
2 2 2 1 2 3 3 4 4 4 4 3 3 4 4 4 3 3 3 4 4 4 3 3 3 3 3 4 3 3 4 4 4
2 2 1 1 2 3 3 4 4 4 4 4 4 4 3 4 4 4 4 3 3 3 4 3 3 3 4 3 4 3 3 3 4
2 2 1 2 2 3 3 3 3 3 3 3 4 3 3 3 3 4 4 3 3 4 4 3 4 4 3 4 3 4 4 3 4
2 1 1 1 2 4 3 3 4 3 4 4 4 4 3 4 4 3 4 3 3 4 3 4 4 4 3 3 3 4 4 3 4
1 1 2 2 2 4 4 4 3 4 3 4 4 4 4 3 3 3 4 4 4 4 3 3 4 4 3 3 3 3 4 3 3
2 2 2 1 2 4 3 4 3 3 3 3 4 3 4 3 4 4 3 3 4 3 3 4 3 4 3 3 4 4 3 3 4
2 2 2 1 2 4 3 4 3 4 4 4 3 4 4 4 3 4 4 3 3 3 3 4 4 4 3 3 4 4 3 4 4
1 2 2 1 2 4 4 3 4 3 4 3 3 3 3 3 3 4 4 3 4 4 3 4 4 4 4 3 4 3 3 3 3
2 2 2 1 2 3 4 4 3 3 3 3 4 4 3 3 4 3 4 3 4 3 4 3 3 4 4 4 4 4 3 3 4
1 2 2 2 2 3 3 4 4 3 3 4 3 4 4 3 4 3 3 3 3 4 3 4 3 3 4 4 4 3 3 4 3
1 2 1 2 2 3 3 4 3 4 3 3 3 3 4 3 3 3 3 3 3 3 4 3 4 3 4 3 4 4 3 4 3
2 2 2 2 2 4 4 4 4 3 4 4 4 4 3 3 4 4 4 4 4 4 4 4 3 3 3 4 3 4 3 3 4
1 2 1 2 2 4 4 4 4 3 3 4 3 3 3 4 4 4 4 4 4 4 4 3 3 4 3 3 3 4 3 4 4
1 1 2 1 3 3 3 3 3 4 3 3 4 4 4 3 3 3 3 4 4 3 4 3 3 4 3 4 3 4 3 3 4
2 1 2 1 3 4 3 4 3 3 4 3 4 4 3 3 3 4 4 3 3 4 4 3 4 3 3 3 4 4 3 3 4
1 1 2 1 3 3 4 3 4 4 3 4 4 4 3 4 4 3 3 4 3 3 4 4 4 4 4 3 4 4 4 3 4
1 2 2 1 3 3 3 3 3 4 3 3 4 3 3 4 4 4 4 4 4 3 4 4 3 4 4 4 3 4 4 4 4
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 1 1 2 3 3 3 4 4 3 4 4 3 3 4 4 4 3 4 3 3 4 3 3 4 4 3 4 4 3 4 3 4
2 2 1 2 3 3 3 4 4 4 3 3 3 4 4 4 4 4 4 4 3 3 3 4 4 3 3 4 4 4 3 4 4
2 1 2 1 3 3 3 3 3 4 4 4 3 4 4 4 3 4 4 4 4 3 3 4 3 3 4 4 4 3 3 4 3
1 2 2 1 3 3 4 3 4 4 4 4 3 4 3 4 4 4 3 4 4 3 4 3 3 3 3 3 3 4 3 3 3
2 1 1 2 3 3 4 4 3 4 3 4 3 4 4 3 4 3 4 3 4 3 3 3 4 3 4 4 3 3 4 4 3
1 1 1 1 3 2 2 3 3 2 2 2 3 3 3 2 3 2 3 2 3 3 3 3 2 3 3 2 3 3 3 3 3
2 2 1 1 3 2 3 2 3 3 3 2 2 3 3 3 3 2 2 3 3 2 2 2 3 2 3 3 3 2 2 3 2
1 1 1 1 3 2 2 3 3 2 2 2 3 2 3 3 2 2 2 3 3 2 3 3 3 3 2 3 2 2 2 3 3
2 2 2 2 3 3 2 3 3 3 3 3 3 2 2 3 2 3 3 3 2 2 3 2 3 3 3 3 3 2 3 2 2
2 1 1 2 3 2 3 3 3 2 3 3 3 3 3 2 2 2 3 3 2 2 2 2 2 2 3 3 3 2 2 2 3
1 1 1 2 3 2 2 2 2 2 3 3 3 2 2 2 3 2 2 3 2 2 3 3 3 3 3 2 3 3 2 3 3
2 2 2 1 3 2 3 3 2 2 3 3 2 2 3 3 2 3 3 3 3 2 2 2 3 3 3 3 3 2 2 2 2
2 2 2 2 3 2 2 3 2 3 3 2 2 3 3 2 3 2 3 2 3 3 2 2 3 3 2 3 2 2 3 3 2
2 1 1 1 3 2 2 2 3 3 2 2 3 2 2 2 3 3 3 2 3 3 2 3 3 3 2 2 3 3 2 3 2
1 2 1 2 3 2 2 3 2 2 3 2 3 3 3 3 3 2 3 3 3 2 2 3 3 3 2 2 2 3 3 3 2
2 2 2 2 3 1 1 2 2 1 2 2 2 1 1 2 2 2 1 2 1 1 1 1 1 1 2 1 1 1 1 2 2
1 2 2 2 3 2 1 2 1 1 1 2 2 2 2 1 1 2 1 1 1 1 2 1 1 1 2 1 2 1 1 1 2
2 1 1 2 3 3 3 4 3 4 3 3 4 4 3 4 4 4 3 4 3 4 3 3 3 3 4 4 4 4 3 3 4
1 2 2 1 3 3 4 4 4 4 3 4 4 3 3 4 3 3 4 3 4 3 4 4 3 3 4 3 4 3 4 3 4
1 2 2 1 3 3 3 4 4 4 4 3 3 3 4 4 4 3 4 3 3 4 4 3 3 4 4 4 4 4 4 3 3
2 2 1 2 3 4 4 4 4 3 3 3 3 3 4 3 3 3 3 4 3 3 3 3 4 4 3 3 4 4 4 4 3
2 2 1 2 3 3 4 4 3 4 4 4 4 3 3 3 4 4 4 4 4 4 4 4 4 3 3 4 3 3 3 4 3
1 2 2 2 3 4 4 4 3 4 4 3 3 4 4 3 4 4 4 4 4 3 4 3 4 3 4 3 4 3 4 3 4
2 2 2 1 3 4 4 3 3 4 4 3 3 3 3 4 3 4 4 4 4 4 3 3 3 3 4 3 4 3 4 4 3
2 1 2 2 3 2 3 3 3 2 3 2 2 3 2 2 2 3 2 3 2 3 3 2 2 2 2 2 3 2 3 3 2
1 1 1 1 3 3 3 3 2 2 2 3 3 2 2 2 2 3 2 3 3 3 2 3 3 3 3 2 3 3 3 2 3
1 2 1 1 3 3 3 2 2 3 3 2 3 2 3 2 3 2 2 2 2 3 3 2 2 3 2 3 2 3 2 3 3
2 1 2 2 3 3 2 3 3 2 2 3 3 3 3 3 3 3 3 3 3 3 3 3 2 2 3 2 3 3 3 2 3
1 1 1 2 3 2 3 3 2 2 2 2 3 2 3 2 3 3 3 2 2 2 2 2 3 2 2 3 2 3 3 2 2
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 1 1 1 3 2 3 2 2 2 2 2 3 2 2 3 2 3 2 2 2 3 3 2 2 2 3 3 3 2 3 2 2
2 2 1 1 3 2 2 3 3 3 3 2 3 3 2 3 2 2 2 3 3 3 2 3 3 2 2 2 2 2 2 2 3
2 2 1 1 3 3 3 3 3 3 4 3 3 4 4 4 3 4 3 4 3 4 4 4 3 3 4 4 3 4 4 3 3
1 1 2 1 3 3 3 3 3 3 4 4 3 3 3 4 4 3 4 3 4 3 3 4 3 3 4 4 3 3 3 3 4
2 2 1 2 3 3 4 4 4 4 3 3 3 3 4 3 4 4 3 3 3 4 3 4 4 3 3 3 3 3 4 3 4
1 1 1 2 3 4 3 4 3 3 4 3 3 4 4 4 3 4 3 3 3 3 3 3 3 3 3 3 3 3 3 4 4
1 2 1 2 3 4 4 3 4 3 4 4 3 3 3 3 4 4 4 4 3 4 4 4 3 3 3 3 3 4 4 3 4
2 2 1 1 3 4 3 3 4 4 4 3 3 4 4 4 3 4 3 4 4 3 4 3 4 3 4 3 3 4 4 4 4
2 2 2 2 3 3 4 3 4 3 4 4 4 4 3 4 3 3 4 3 4 3 4 3 3 4 3 4 4 4 4 4 3
2 2 1 2 3 4 3 3 3 3 4 3 4 4 3 4 3 4 4 3 4 3 3 3 3 3 4 4 3 4 4 3 4
2 1 1 2 3 4 4 4 4 4 3 4 3 4 4 4 4 3 4 3 3 4 4 4 4 3 4 4 4 4 3 4 4
1 2 1 1 3 4 4 4 3 3 3 3 4 4 4 3 4 3 3 3 3 4 4 3 3 4 4 3 4 3 3 3 3
2 1 2 1 3 3 4 4 3 3 3 4 4 3 3 3 3 3 3 4 3 3 3 4 3 4 3 4 3 4 3 4 4
1 1 1 1 3 4 3 3 4 3 3 3 3 3 3 3 3 3 4 3 3 4 3 3 3 3 4 4 4 4 3 4 3
2 1 1 2 3 4 4 4 3 4 4 4 3 3 3 3 3 3 4 3 4 4 3 3 4 3 3 4 4 3 3 3 3
2 2 2 2 3 3 4 4 3 4 3 3 3 4 4 4 4 3 3 3 4 3 3 4 3 3 4 3 3 4 3 4 3
1 2 1 2 3 4 4 4 4 3 3 3 3 3 3 4 3 3 3 4 3 3 4 4 3 3 3 4 4 4 3 3 4
2 1 1 2 3 3 3 4 4 3 3 4 4 4 3 4 3 4 3 4 3 4 3 4 4 4 4 3 4 4 3 3 4
2 1 1 2 3 3 3 3 3 4 3 4 4 3 4 4 3 4 4 3 3 3 4 3 4 3 4 4 4 3 4 3 3
2 1 2 1 3 4 4 3 3 4 3 3 3 4 4 4 3 4 4 4 4 4 4 3 4 4 3 4 4 3 4 4 4
1 1 2 1 3 3 4 3 4 4 3 4 4 4 4 4 3 3 3 4 4 4 4 3 4 4 4 3 3 3 3 3 4
1 1 1 2 3 3 4 4 4 3 4 3 3 4 3 4 4 4 4 3 4 4 4 4 3 4 3 4 4 4 3 3 3
1 1 1 2 3 3 3 4 4 3 4 3 4 4 4 4 4 3 3 3 4 4 3 4 4 3 3 4 4 4 3 4 4
2 2 1 2 3 4 4 3 4 4 4 4 4 4 3 4 3 4 4 4 4 4 3 3 3 4 3 3 3 3 3 4 3
2 2 1 2 3 3 4 3 4 3 4 3 3 3 4 3 3 3 4 3 4 3 3 4 3 4 3 3 3 4 4 3 3
1 1 2 1 3 3 3 4 3 4 4 3 3 3 4 3 3 4 4 4 4 4 3 3 4 3 3 3 3 3 4 4 3
1 2 1 2 3 3 4 4 4 4 4 4 4 4 3 4 4 4 3 4 3 3 4 3 3 3 4 3 3 4 3 4 4
2 1 2 2 3 4 3 4 4 4 4 4 3 3 4 3 4 3 4 3 4 4 4 4 3 3 4 3 3 4 3 3 3
2 1 1 2 3 4 4 4 3 3 3 4 4 3 4 4 4 3 4 3 4 3 3 3 3 3 4 4 4 3 4 4 4
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 1 2 1 3 4 4 4 3 4 3 4 3 3 3 3 3 3 4 4 4 4 3 4 3 3 4 4 4 3 3 3 3
1 1 1 2 3 4 4 4 4 3 3 4 3 3 4 4 3 3 4 3 3 3 4 3 3 3 4 3 3 4 4 3 3
2 2 2 2 3 3 3 4 3 4 4 3 3 3 4 3 3 4 3 4 3 4 3 4 4 3 3 4 3 4 4 3 3
1 2 2 1 3 4 4 4 4 3 3 4 4 4 3 3 4 3 3 3 3 4 3 3 3 3 4 3 4 3 4 4 4
2 2 1 1 3 4 4 3 3 4 3 4 3 4 3 3 4 4 4 3 4 3 4 4 4 3 4 3 4 3 4 4 4
2 1 1 2 3 3 3 3 3 3 3 3 4 4 4 3 4 3 4 3 3 3 4 3 4 3 4 4 4 3 3 4 4
1 1 2 2 3 3 4 3 3 4 4 4 4 3 3 4 3 4 4 3 3 3 4 4 4 3 4 4 3 3 3 3 3
1 2 1 1 3 3 3 4 4 3 4 3 3 4 3 3 3 4 4 3 4 4 4 3 4 3 3 4 4 4 3 4 4
1 2 2 2 3 3 4 3 4 4 4 4 3 4 3 3 4 4 4 3 3 3 3 4 3 4 3 3 4 4 3 4 3
1 1 2 2 3 3 3 3 4 4 4 3 3 3 4 3 4 4 4 3 3 3 3 4 4 4 4 3 3 4 3 3 4
2 1 2 1 3 3 4 4 3 4 4 3 4 4 4 3 3 4 3 3 3 3 4 3 4 4 4 4 3 4 4 4 3
2 2 1 1 3 3 4 4 4 3 4 3 4 3 4 3 3 4 3 4 4 3 3 3 4 4 4 3 4 3 4 4 3
1 1 1 1 3 4 5 4 4 5 4 5 4 5 4 5 5 4 5 5 4 4 5 4 5 5 5 4 5 5 5 5 4
2 2 2 2 3 5 4 4 4 5 4 5 4 5 5 4 5 5 4 4 4 5 4 4 5 4 5 5 4 5 5 5 5
1 1 2 1 3 5 4 4 5 5 4 5 5 4 4 4 4 4 4 5 5 4 5 4 4 5 4 4 5 5 4 4 4
2 1 2 2 3 5 4 4 5 4 5 4 4 5 4 4 5 4 5 5 5 4 4 4 4 4 4 4 4 4 5 4 4
2 2 2 2 3 4 5 5 5 5 5 4 4 5 5 4 5 4 4 5 5 5 4 4 4 5 5 4 5 4 4 5 4
2 1 1 1 3 5 4 5 5 5 4 4 4 5 4 5 5 4 5 5 5 4 5 5 5 5 5 4 4 5 4 4 4
2 1 2 1 3 4 5 4 4 4 4 4 5 4 5 5 4 5 4 4 5 4 4 5 4 4 4 5 5 4 5 5 5
1 2 2 2 3 5 4 5 5 4 4 5 4 5 4 5 4 5 5 5 4 5 5 5 4 5 4 4 4 5 4 5 5
1 1 1 1 3 4 4 4 4 4 4 5 5 4 4 4 5 4 5 5 4 4 4 4 4 5 5 4 5 5 5 5 5
1 1 1 1 3 4 5 5 5 5 5 5 4 5 4 5 5 4 4 5 5 5 4 4 4 5 4 4 4 5 4 4 5
2 2 1 1 3 4 4 5 4 5 5 4 4 4 5 4 5 4 5 5 5 5 4 4 4 5 5 5 5 4 4 4 4
2 2 1 2 3 5 4 4 4 5 5 4 4 5 4 4 5 5 4 4 4 4 5 4 5 4 4 4 5 5 4 5 5
1 1 2 1 3 5 5 4 5 4 5 4 5 4 4 4 4 4 4 4 4 5 5 5 4 5 5 5 5 4 4 5 4
1 2 2 1 3 5 4 5 4 4 5 4 5 4 4 4 5 5 4 4 4 4 4 4 5 4 5 5 4 5 5 4 4
1 2 1 2 3 5 5 4 5 5 5 4 5 5 4 5 4 5 5 5 5 4 5 5 4 4 5 4 4 5 5 4 4
1 1 2 1 3 5 5 5 5 4 4 4 4 5 4 5 5 5 5 4 4 5 4 5 5 5 4 5 5 5 4 5 4
2 2 1 1 3 4 4 5 4 5 4 5 5 5 4 5 4 4 5 5 5 5 5 4 4 5 5 5 4 5 4 4 5
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 2 2 2 3 5 4 4 5 4 5 4 5 5 4 5 5 5 4 5 4 4 4 5 4 4 4 4 4 5 4 5 5
2 1 1 1 3 4 4 5 5 4 5 5 5 5 4 5 5 5 5 4 5 5 4 5 4 5 4 4 5 4 4 4 5
2 2 2 1 3 5 5 4 5 5 4 4 4 4 4 5 4 5 4 5 4 5 4 4 4 5 5 4 5 5 4 4 5
2 2 1 2 3 4 4 5 4 5 5 5 5 5 4 5 4 5 4 5 4 4 5 4 4 4 5 4 5 4 4 4 4
1 2 1 1 3 4 5 5 5 4 5 5 5 5 4 4 5 4 5 4 4 4 5 4 4 4 5 4 4 5 4 4 4
2 2 2 2 3 4 4 4 4 3 4 3 4 3 4 3 4 3 4 3 3 4 3 3 3 4 4 3 3 3 4 4 4
1 1 1 2 3 3 4 3 4 4 3 4 4 3 4 3 4 3 4 3 4 4 4 4 4 4 4 4 4 3 4 3 4
1 2 1 1 3 3 3 4 4 3 4 4 4 4 3 4 4 3 4 3 3 4 4 3 3 3 4 3 4 4 3 4 3
2 1 1 2 3 4 4 3 3 3 4 4 4 3 3 4 3 3 4 4 4 3 4 4 3 4 4 4 3 4 4 3 4
1 1 2 1 3 3 4 3 3 4 4 3 4 3 4 4 3 3 3 4 3 4 4 3 4 3 4 3 4 4 4 4 4
2 1 2 2 3 3 3 3 4 3 3 3 3 4 4 4 3 3 4 4 3 4 4 4 4 3 4 3 4 3 4 3 3
1 2 1 1 3 4 4 3 4 4 3 4 3 4 3 4 3 4 4 3 4 4 3 3 4 4 3 3 4 3 3 4 4
1 1 2 1 3 3 3 3 4 4 4 4 3 4 3 3 3 3 3 4 3 3 3 4 4 4 4 3 4 3 3 3 4
1 1 1 1 3 4 4 4 3 4 3 4 3 4 4 3 3 4 3 4 3 4 4 4 4 3 3 3 4 4 3 4 4
2 2 2 1 3 4 3 4 4 3 4 4 4 3 3 4 3 4 4 4 4 4 3 4 3 4 3 4 4 4 3 4 4
1 2 2 2 3 4 4 4 3 3 4 3 3 4 3 4 3 4 3 3 3 3 3 4 4 3 3 3 3 4 3 3 4
2 1 1 1 3 3 3 3 3 4 4 3 3 4 4 4 4 4 3 3 3 4 4 3 3 3 4 4 3 3 3 4 3
2 2 2 2 3 3 4 3 3 3 3 3 3 3 4 4 3 4 4 3 3 4 3 3 3 3 4 3 4 4 3 3 4
1 1 1 1 3 4 4 4 3 4 3 4 3 3 3 4 3 4 3 3 4 4 3 3 4 3 4 4 3 4 3 3 4
1 1 1 1 3 4 3 3 4 4 4 3 4 3 4 3 4 4 4 4 3 3 4 4 3 3 3 3 4 4 3 3 4
2 2 2 1 3 3 3 3 4 4 3 4 3 3 3 4 4 3 3 3 3 4 4 4 3 3 3 4 4 4 4 4 4
1 2 2 1 3 3 4 4 4 3 3 3 4 4 4 4 4 3 3 3 4 3 4 4 3 3 3 4 4 4 4 3 4
1 2 2 2 3 4 4 3 3 3 4 4 4 3 3 3 4 4 3 4 3 4 4 3 3 3 3 4 4 3 4 4 3
2 2 2 2 3 3 3 4 3 4 4 4 4 4 4 3 3 3 3 3 4 3 3 3 3 4 4 4 3 3 3 4 3
1 2 1 1 3 3 4 4 3 3 4 4 3 4 3 3 3 4 4 3 3 3 3 4 4 3 4 3 3 4 4 3 4
1 2 2 2 3 3 3 4 4 4 3 3 4 3 3 3 4 3 3 4 3 4 3 4 3 4 4 4 3 4 3 4 4
1 1 1 2 3 4 3 3 3 3 3 3 4 3 4 3 4 4 4 3 4 4 3 3 3 3 3 4 4 3 4 3 3
2 1 1 1 3 4 4 3 4 3 3 3 4 4 4 3 4 3 4 3 3 3 3 4 4 3 4 3 4 4 3 3 4
2 2 1 2 3 3 3 4 4 4 3 4 4 4 3 3 3 4 3 4 4 3 4 4 3 4 3 3 4 4 3 4 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 2 1 1 3 4 4 3 4 3 4 4 4 3 4 4 4 3 4 4 4 4 3 3 4 3 4 3 3 3 3 3 3
2 1 2 2 3 3 3 3 3 4 4 3 3 3 3 4 3 4 3 3 3 4 4 3 3 4 4 3 4 4 3 4 4
2 2 1 2 3 4 4 4 3 3 4 3 4 3 3 4 4 4 4 4 4 3 3 4 3 4 3 3 3 3 3 4 3
1 1 2 1 3 4 3 4 4 3 4 3 4 4 3 4 3 3 4 4 4 4 3 4 3 4 4 3 3 4 3 4 3
1 1 2 1 3 4 3 4 3 4 3 4 3 3 3 3 4 4 4 3 4 4 4 3 4 4 3 4 4 3 3 3 4
2 1 1 1 3 4 4 3 3 3 3 3 4 3 3 4 4 3 4 4 3 4 3 4 3 3 4 3 4 3 4 4 4
2 1 1 2 3 2 2 3 2 3 3 2 2 3 2 3 3 2 2 2 3 3 2 2 2 3 3 3 3 3 3 3 3
2 1 2 1 3 3 2 2 2 2 2 3 2 2 2 2 2 2 3 2 3 2 2 3 2 2 2 3 3 2 3 3 3
2 2 2 2 3 2 2 2 3 2 3 3 2 3 3 3 2 2 2 3 3 2 2 2 3 2 3 3 3 3 2 2 2
2 2 2 1 3 2 3 3 3 3 2 3 3 2 2 3 2 2 3 2 2 3 3 2 3 3 3 3 2 3 2 2 2
2 2 2 1 3 2 2 3 3 2 3 3 3 3 2 2 3 3 2 2 2 2 3 3 2 2 3 2 3 3 2 2 3
2 2 1 2 3 2 2 3 2 2 2 3 3 3 2 2 2 3 2 3 3 2 3 2 3 2 2 3 2 3 3 3 2
2 1 2 2 3 3 3 3 2 3 3 3 2 3 2 3 3 3 3 2 2 2 2 2 3 2 3 3 2 2 2 3 3
1 1 2 2 3 3 2 2 3 3 2 3 2 2 3 2 3 2 3 3 3 3 3 2 2 3 3 2 3 2 3 2 3
1 1 2 1 3 3 2 2 2 2 3 2 2 3 3 2 2 2 3 3 3 3 2 2 3 2 3 2 2 3 2 3 3
1 2 2 1 3 3 2 2 3 2 2 2 2 2 2 2 2 3 3 2 2 2 2 2 3 2 2 2 3 3 3 3 3
2 1 1 2 3 2 1 1 1 1 2 1 1 1 1 2 2 1 1 2 1 1 2 1 2 2 2 2 2 1 1 2 1
2 2 2 1 3 2 2 1 1 1 1 2 1 2 1 1 2 2 1 1 1 1 1 1 1 1 2 1 1 1 2 1 1
1 2 2 1 3 2 1 1 2 1 1 1 1 1 1 1 2 1 2 1 1 1 1 2 1 2 2 2 2 1 2 2 1
2 2 1 2 3 3 3 4 3 4 3 3 4 4 3 4 4 4 3 4 3 4 3 3 3 3 4 4 4 4 3 3 4
1 1 2 1 3 3 4 4 4 4 3 4 4 3 3 4 3 3 4 3 4 3 4 4 3 3 4 3 4 3 4 3 4
2 1 2 1 3 3 3 4 4 4 4 3 3 3 4 4 4 3 4 3 3 4 4 3 3 4 4 4 4 4 4 3 3
1 2 1 1 3 4 4 4 4 3 3 3 3 3 4 3 3 3 3 4 3 3 3 3 4 4 3 3 4 4 4 4 3
1 2 2 2 3 3 4 4 3 4 4 4 4 3 3 3 4 4 4 4 4 4 4 4 4 3 3 4 3 3 3 4 3
1 2 2 1 3 4 4 4 3 4 4 3 3 4 4 3 4 4 4 4 4 3 4 3 4 3 4 3 4 3 4 3 4
1 1 1 2 3 4 4 3 3 4 4 3 3 3 3 4 3 4 4 4 4 4 3 3 3 3 4 3 4 3 4 4 3
1 1 2 1 3 2 3 2 3 3 2 3 3 2 2 2 2 2 2 3 2 3 2 3 3 2 2 2 3 2 2 3 2
2 1 2 1 3 3 3 2 2 3 2 3 2 3 2 3 3 3 2 2 3 2 2 3 2 3 2 3 2 3 2 3 2
1 1 2 2 3 3 2 2 2 3 3 2 2 2 3 2 2 3 3 2 2 2 3 2 2 2 3 3 3 2 2 3 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 2 1 2 3 3 2 3 2 3 2 2 2 2 3 2 3 3 2 2 3 2 2 2 2 2 2 3 2 3 2 2 2
1 1 1 1 3 2 3 2 2 2 3 2 2 2 3 2 3 3 3 3 2 3 2 2 3 3 2 2 2 3 3 3 2
2 2 2 2 3 2 3 2 3 3 3 2 3 2 2 2 3 3 3 3 3 2 3 2 2 3 3 3 3 3 2 2 3
1 1 1 2 3 3 3 3 4 4 4 3 3 4 4 3 4 4 4 3 4 4 3 4 3 4 4 4 4 4 4 4 3
2 2 2 1 3 4 4 3 3 4 4 4 3 3 3 3 4 3 4 4 3 3 3 3 3 3 3 3 3 4 3 4 3
2 1 1 1 3 4 4 3 4 4 3 3 4 4 3 3 4 3 4 4 4 4 3 3 3 3 3 4 4 4 4 4 3
2 2 1 2 3 3 4 3 3 3 3 3 4 4 4 3 3 4 3 4 4 4 4 4 3 3 4 3 4 4 3 3 3
1 1 2 2 3 4 3 3 4 3 4 4 4 4 3 3 3 3 3 3 4 3 4 3 3 4 3 3 3 4 3 4 4
1 1 1 1 3 3 4 4 4 3 4 4 4 4 4 3 3 4 3 4 4 4 4 3 3 3 4 4 3 3 4 3 4
2 1 1 1 3 4 3 4 4 3 3 3 4 4 3 4 4 3 3 4 4 3 3 4 3 4 4 4 3 4 3 3 4
1 1 1 2 3 3 4 3 4 4 3 4 4 3 3 4 3 3 4 4 4 3 4 3 3 3 4 3 3 4 4 4 4
2 2 1 1 3 4 4 3 3 3 3 3 4 3 3 4 4 3 4 4 3 3 3 4 4 4 3 3 4 3 4 3 3
1 1 2 2 3 4 3 3 3 3 3 4 3 3 3 4 4 3 4 4 3 3 3 3 3 4 3 4 3 3 3 3 3
2 1 1 2 3 4 3 3 3 3 3 3 4 4 3 4 3 4 4 4 4 4 4 4 3 4 4 4 3 3 4 4 4
1 1 1 1 3 3 3 3 4 3 3 4 3 3 4 4 4 3 3 4 3 3 4 4 4 4 4 4 3 4 4 3 4
2 2 2 1 3 3 3 4 3 4 4 4 3 3 4 3 3 4 4 3 3 4 3 4 4 3 3 4 4 3 4 3 4
2 2 1 1 3 3 4 3 3 3 3 4 3 3 3 4 4 4 3 4 3 4 3 3 3 4 4 3 4 4 4 3 4
1 1 2 2 3 4 4 4 3 3 4 4 3 3 3 4 3 4 4 3 3 4 3 4 4 3 4 3 3 3 4 4 3
1 2 2 2 3 3 3 4 3 4 3 3 3 3 4 4 3 3 3 4 3 4 3 4 3 3 3 4 4 4 4 4 4
2 1 1 2 3 4 3 4 3 3 3 4 3 4 4 3 4 3 3 3 4 4 4 4 3 4 4 3 3 4 4 4 4
2 2 2 1 3 4 3 4 3 3 4 3 4 3 4 4 3 4 3 3 4 3 3 4 4 3 3 4 3 4 4 4 4
2 1 2 2 3 4 4 4 3 4 3 4 3 3 4 3 4 3 3 4 3 3 4 3 3 3 4 3 3 4 3 3 3
2 2 1 1 3 3 3 3 3 4 4 3 3 4 4 4 4 3 3 3 4 3 4 4 3 3 4 4 4 4 4 3 3
2 2 2 1 3 4 3 3 4 3 4 4 4 3 4 4 3 4 3 4 3 4 4 3 4 3 4 4 4 4 4 3 4
1 1 1 2 3 4 3 4 3 3 4 3 3 3 3 3 4 3 4 4 4 4 4 4 3 3 4 3 3 4 3 4 3
2 2 2 2 3 3 3 4 4 3 3 4 3 3 4 3 4 4 3 3 3 4 4 4 3 3 4 4 3 4 4 3 3
2 1 2 2 3 4 4 4 3 4 3 3 4 3 4 4 3 3 3 3 3 3 4 3 3 4 4 4 3 4 3 3 4
1 1 2 2 3 4 3 3 4 4 3 3 3 4 4 4 4 3 3 4 3 4 4 4 3 3 3 4 3 3 4 4 3
1 1 1 1 3 3 3 3 3 4 4 3 4 3 3 4 4 3 3 3 3 3 3 4 4 3 4 4 4 3 4 3 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 1 1 1 3 4 4 4 3 4 3 3 3 4 3 3 3 4 4 3 4 3 4 4 3 3 3 3 3 3 4 4 4
1 1 2 1 3 3 3 3 3 4 4 4 3 4 3 4 3 3 4 3 4 4 4 3 3 3 3 4 4 4 3 4 4
1 2 2 1 3 3 4 3 3 4 3 3 3 3 4 4 3 4 3 4 4 4 3 3 3 4 4 3 3 4 4 3 4
1 1 2 2 3 3 3 3 3 4 3 3 4 4 3 3 3 3 3 3 4 3 3 4 4 4 4 4 3 4 4 4 4
2 1 1 1 3 4 4 4 4 4 3 4 4 3 3 4 4 3 3 4 4 4 4 3 3 4 4 4 3 4 3 4 4
2 1 2 1 3 3 3 3 4 4 3 4 4 3 3 3 4 3 4 4 3 4 3 3 3 3 4 3 4 3 4 3 3
1 2 1 2 3 3 4 4 3 4 3 4 3 4 4 4 3 4 4 3 3 3 4 4 3 4 4 4 4 4 4 3 4
2 1 2 2 3 4 3 4 4 3 4 3 3 4 3 4 4 4 3 4 3 4 4 3 3 3 3 4 3 4 3 4 3
1 1 2 1 3 4 3 3 4 3 4 3 3 4 4 3 3 3 3 3 3 4 3 3 4 3 4 4 3 4 4 4 3
1 2 1 2 3 4 4 3 4 3 4 3 4 3 3 3 4 3 4 4 4 4 4 3 4 3 4 4 3 3 4 4 3
1 2 2 1 3 4 3 4 3 4 3 3 3 4 4 4 3 3 3 3 4 4 3 4 3 3 4 4 3 3 3 3 3
2 1 2 1 3 3 3 3 3 4 3 4 3 3 4 3 3 4 3 4 4 4 3 4 4 3 4 4 3 4 4 4 3
2 1 1 1 3 3 4 4 4 3 3 3 4 4 3 3 3 3 4 3 3 3 4 3 3 4 4 3 4 3 4 4 4
2 1 1 1 3 5 5 4 5 5 5 4 5 5 5 5 4 4 5 4 5 5 5 5 5 4 5 5 4 5 5 4 4
2 1 2 1 3 5 4 4 4 5 5 4 5 5 5 4 5 4 4 4 4 4 4 5 4 4 5 4 4 5 4 4 4
1 2 2 1 3 4 5 4 5 5 5 4 4 5 5 5 5 5 4 5 5 4 5 5 4 5 5 5 4 4 4 5 4
2 2 1 2 3 4 4 5 4 4 4 5 4 4 4 4 5 4 5 5 4 4 4 4 5 5 5 5 5 5 4 4 4
2 1 2 2 3 4 5 5 5 5 4 4 4 5 4 4 4 5 4 4 5 4 5 4 4 5 4 4 4 5 4 4 5
1 2 1 2 3 4 5 5 5 4 4 5 4 5 4 4 5 4 4 5 5 4 5 5 5 5 4 5 4 5 4 5 4
2 2 2 2 3 5 5 5 5 5 5 5 5 4 4 5 5 4 4 5 4 5 4 4 5 4 4 4 5 4 4 5 5
1 1 1 2 3 5 5 4 5 5 5 5 5 5 5 4 4 5 5 4 5 5 5 5 5 4 5 5 4 4 5 5 4
1 2 2 2 3 4 5 4 5 4 4 5 5 5 5 5 4 5 5 4 4 5 5 5 4 4 4 5 4 5 5 5 5
1 1 2 1 3 4 4 5 5 4 4 5 4 4 5 5 4 5 4 4 5 4 4 4 5 5 5 5 4 4 4 5 5
1 2 1 2 3 4 4 4 5 4 5 4 4 4 5 4 4 5 4 5 5 4 5 4 4 5 5 4 5 4 5 5 4
1 1 1 2 3 4 5 5 4 5 5 5 4 4 4 4 4 5 4 5 5 5 4 5 4 5 4 5 4 4 5 4 5
2 2 2 1 3 4 5 5 5 4 5 4 5 4 5 4 5 4 4 4 4 4 5 5 5 5 4 4 5 5 4 4 4
1 1 2 1 3 4 5 4 5 5 4 4 4 5 4 5 5 4 4 5 4 4 4 5 5 4 4 5 4 5 5 5 5
1 2 1 1 3 5 5 5 5 5 4 5 5 5 5 5 5 4 5 4 4 5 5 4 5 4 5 4 4 5 4 4 5
1 2 2 2 3 4 5 4 5 4 5 4 5 5 5 4 4 5 4 4 4 5 4 4 5 5 4 4 5 4 5 5 5
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 1 1 1 3 5 5 5 4 4 4 4 4 5 4 5 4 4 4 4 5 5 5 5 4 4 4 4 5 4 4 4 4
2 2 2 2 3 4 4 5 5 4 5 5 4 4 5 4 4 4 5 5 4 5 5 4 5 4 4 4 4 5 4 5 5
2 2 1 1 3 4 5 4 5 5 5 4 5 5 4 4 4 5 5 4 4 4 5 5 5 5 5 4 4 5 5 4 4
1 2 1 1 3 5 5 4 4 5 5 5 4 4 5 5 4 4 4 5 5 5 5 5 5 4 4 4 4 4 4 5 5
2 1 1 1 3 5 5 5 4 4 5 5 5 5 4 4 5 5 4 4 4 4 4 5 4 4 5 4 5 4 4 4 5
2 2 2 1 3 4 5 5 4 5 4 4 5 4 4 5 5 4 4 4 4 5 4 5 5 4 4 5 5 4 4 5 5
2 1 1 2 3 4 4 4 3 3 4 4 3 4 4 3 3 3 3 3 3 4 3 4 4 3 3 3 4 3 3 3 4
2 2 2 2 3 4 3 4 4 4 3 4 3 4 3 3 4 4 4 3 4 3 3 4 4 4 3 4 3 4 4 3 3
2 1 1 2 3 3 3 3 4 3 3 4 3 3 4 4 4 3 4 4 4 3 3 3 3 3 3 4 4 4 3 4 4
2 2 1 1 3 4 4 3 3 3 3 4 3 3 4 4 3 4 3 4 3 3 3 3 3 4 3 4 4 4 4 3 4
1 1 1 2 3 3 4 3 3 4 3 3 3 3 3 4 4 3 3 3 4 4 4 3 4 3 4 3 4 3 3 4 3
1 2 1 1 3 4 4 3 3 4 4 4 4 3 3 3 3 3 4 4 3 4 4 4 3 4 4 3 4 4 4 4 3
1 2 1 1 3 3 4 3 3 3 4 4 4 4 4 4 3 3 3 4 3 4 3 3 3 4 3 3 3 3 3 4 3
1 2 2 2 3 4 3 4 3 3 3 3 4 3 3 3 4 3 4 3 3 4 3 4 3 4 4 3 3 3 3 3 3
1 2 1 2 3 4 3 3 3 4 4 3 4 4 4 4 4 3 3 3 3 3 3 4 4 4 4 3 4 3 4 4 4
2 1 1 2 3 3 3 3 4 3 3 3 3 4 4 4 4 3 3 3 4 3 4 4 3 3 3 4 3 4 4 4 3
1 1 2 2 3 4 3 4 4 3 4 3 4 3 3 3 3 3 4 3 3 4 4 3 4 4 4 3 3 4 3 3 4
1 2 2 2 3 3 4 3 3 4 3 3 4 4 3 4 3 4 4 4 4 4 4 4 4 3 3 3 3 3 3 3 3
2 2 2 2 3 3 3 4 3 4 3 3 3 4 4 4 3 4 3 4 3 3 4 4 3 4 4 4 3 3 4 4 4
1 1 1 1 3 4 3 3 3 3 3 4 3 3 4 3 4 4 3 4 4 4 4 3 3 4 3 3 4 4 3 3 4
1 2 2 2 3 4 3 3 3 3 3 4 3 3 3 3 4 4 3 3 3 4 3 4 3 4 4 3 3 3 3 4 3
2 2 2 1 3 4 4 4 4 4 4 3 3 4 3 3 4 3 3 4 3 4 3 3 3 4 4 4 3 4 4 4 3
2 2 1 2 3 3 3 3 3 3 4 4 4 4 4 4 4 3 3 3 4 3 3 3 3 3 4 4 4 4 4 4 4
1 2 2 2 3 3 4 4 4 3 3 4 4 4 4 4 3 4 4 4 3 3 4 3 4 4 3 3 3 3 3 4 4
1 1 1 2 3 3 3 4 3 3 4 4 4 3 3 3 3 4 4 4 3 4 4 4 3 4 4 4 3 3 4 3 4
1 1 1 2 3 4 4 4 3 3 4 4 4 4 3 4 3 4 4 4 4 4 4 4 4 4 3 4 4 4 3 4 4
2 2 2 1 3 3 4 4 3 3 3 4 4 4 4 4 4 4 4 4 4 4 4 4 4 3 3 3 3 4 3 4 4
2 1 1 2 3 4 3 3 3 3 3 3 4 4 3 3 4 4 3 3 4 4 4 3 4 4 4 4 3 4 3 3 3
1 1 1 1 3 4 3 3 3 3 3 4 3 4 3 3 3 3 3 3 3 3 3 3 3 3 3 4 4 4 3 4 4
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 2 1 1 3 4 4 4 3 3 4 3 3 3 3 4 4 3 3 3 3 3 3 3 4 3 4 4 3 4 4 4 4
2 1 1 1 3 4 3 4 4 4 3 3 3 4 4 3 4 3 3 3 4 4 4 4 4 3 3 4 3 3 3 3 4
1 1 1 2 3 4 3 3 4 4 3 4 3 4 4 3 3 4 4 3 4 4 4 4 4 4 4 4 4 3 4 4 3
1 1 2 2 3 4 4 4 4 4 3 4 3 3 3 3 3 3 4 4 3 3 4 4 4 4 4 4 4 3 4 3 4
2 2 2 1 3 3 4 4 3 4 3 4 4 3 3 3 4 4 4 4 4 4 4 3 3 3 4 3 3 3 4 4 3
1 2 1 1 3 4 4 4 4 4 3 4 3 3 4 3 4 4 4 4 3 4 3 4 3 4 3 3 4 3 3 3 4
1 2 1 2 3 4 4 3 4 4 3 3 3 3 3 4 3 3 3 3 3 3 4 3 3 4 4 4 4 3 4 3 4
2 1 1 1 3 3 2 3 2 3 2 3 3 2 2 3 3 3 3 2 3 2 2 2 2 2 2 2 2 3 3 3 2
2 2 2 1 3 3 3 3 2 3 2 3 2 2 2 3 2 3 3 2 3 2 3 3 2 3 3 2 3 2 3 2 2
1 2 1 1 3 2 3 3 3 2 2 2 3 2 3 2 2 2 3 3 3 3 2 3 3 2 2 2 2 2 3 3 3
2 2 2 1 3 2 2 2 3 3 2 3 2 3 2 3 2 3 3 2 2 3 3 2 2 3 3 2 2 2 2 2 2
1 1 2 1 3 2 2 2 2 2 2 3 2 2 3 3 3 2 3 2 2 2 2 3 2 3 2 3 3 2 3 2 3
1 2 2 1 3 3 3 3 3 2 3 3 2 2 2 2 2 3 3 3 3 2 2 3 3 3 3 2 3 2 2 2 3
1 1 2 2 3 3 2 3 3 3 3 3 2 3 2 3 3 2 3 2 2 2 2 2 2 2 2 2 2 3 3 2 2
2 2 2 1 3 2 3 3 3 2 2 3 3 3 2 3 3 2 2 3 2 3 2 3 3 3 3 3 3 3 2 3 2
2 1 2 1 3 2 2 2 2 2 3 3 3 2 2 3 2 3 2 3 3 2 2 2 2 2 3 2 2 2 2 3 3
2 1 2 2 3 3 2 3 2 3 2 2 2 3 3 2 3 3 2 3 2 3 3 3 2 3 2 2 2 3 2 2 3
1 2 2 2 3 2 2 1 1 2 1 2 2 2 2 2 1 2 1 1 2 2 2 2 1 2 1 1 2 1 1 2 1
2 2 1 1 3 1 1 1 1 1 1 2 1 2 1 1 1 2 1 1 1 1 1 2 2 1 1 2 2 1 1 2 1
1 1 1 2 3 1 2 2 2 1 2 1 2 2 2 2 2 1 2 2 2 2 2 2 2 2 2 1 1 2 2 2 2
1 2 1 2 3 1 2 2 2 2 2 1 2 1 2 2 1 1 1 1 2 1 1 2 1 1 2 1 1 2 2 2 2
1 1 2 2 3 3 3 4 3 4 3 3 4 4 3 4 4 4 3 4 3 4 3 3 3 3 4 4 4 4 3 3 4
1 1 1 2 3 3 4 4 4 4 3 4 4 3 3 4 3 3 4 3 4 3 4 4 3 3 4 3 4 3 4 3 4
1 1 2 1 4 3 3 4 4 4 4 3 3 3 4 4 4 3 4 3 3 4 4 3 3 4 4 4 4 4 4 3 3
2 2 1 2 4 4 4 4 4 3 3 3 3 3 4 3 3 3 3 4 3 3 3 3 4 4 3 3 4 4 4 4 3
1 2 2 2 4 3 4 4 3 4 4 4 4 3 3 3 4 4 4 4 4 4 4 4 4 3 3 4 3 3 3 4 3
1 1 2 2 4 4 4 4 3 4 4 3 3 4 4 3 4 4 4 4 4 3 4 3 4 3 4 3 4 3 4 3 4
2 1 2 2 4 4 4 3 3 4 4 3 3 3 3 4 3 4 4 4 4 4 3 3 3 3 4 3 4 3 4 4 3
2 1 1 2 4 2 2 2 3 2 2 2 3 3 3 2 3 2 2 3 2 3 3 2 2 2 2 3 3 2 2 2 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 2 2 1 4 2 3 3 3 2 3 2 3 2 2 3 3 3 2 2 2 2 3 3 3 2 3 3 2 2 3 2 3
1 2 1 2 4 2 3 2 2 3 2 2 2 3 3 2 2 2 2 3 2 2 2 2 2 3 2 3 3 2 2 3 3
1 2 1 2 4 3 2 2 2 3 2 3 2 3 3 3 3 2 3 2 2 3 3 2 2 2 3 3 3 2 2 2 3
1 1 1 2 4 2 3 3 3 2 3 3 2 2 2 2 3 2 2 2 2 2 2 3 2 3 2 2 2 2 2 3 3
2 2 1 2 4 3 3 3 4 4 4 4 3 3 4 4 4 4 4 4 4 4 3 3 3 4 3 4 4 3 4 3 3
1 2 2 2 4 5 4 4 4 4 5 5 5 4 4 3 3 4 5 4 4 4 4 4 4 4 3 4 4 5 3 4 3
1 1 2 1 4 5 4 3 3 3 5 5 3 4 4 3 4 4 5 3 4 3 3 4 3 4 3 4 5 5 4 4 3
2 2 1 2 4 3 4 3 3 3 5 3 4 3 3 4 4 3 3 3 3 4 4 3 3 3 3 3 4 3 3 4 4
2 2 2 1 4 3 4 3 4 3 3 3 3 4 3 4 4 3 4 4 3 4 4 4 3 4 3 3 3 3 4 4 4
1 2 1 2 4 4 3 3 4 4 3 4 3 4 3 4 3 3 4 3 3 3 3 3 4 4 3 4 4 3 3 4 3
2 1 2 2 4 4 4 4 3 3 4 3 3 3 3 3 3 4 3 3 3 3 3 4 3 4 4 4 3 3 4 4 4
2 2 1 1 4 4 4 3 3 4 3 4 3 4 3 4 3 3 3 4 3 4 4 3 3 3 3 3 3 3 3 3 4
1 2 1 2 4 4 3 3 3 3 3 3 3 3 4 3 4 4 4 4 4 4 3 4 3 4 4 3 3 3 3 3 3
1 2 2 2 4 4 3 3 4 4 4 3 4 3 4 4 3 4 4 4 3 4 4 3 4 4 4 3 3 4 4 3 4
2 2 2 1 4 3 3 4 4 3 4 4 3 3 3 3 4 4 4 4 4 4 3 4 3 4 3 4 4 3 3 3 3
1 2 1 1 4 3 3 4 3 3 3 3 3 3 3 4 4 4 3 3 4 4 3 4 3 4 4 3 4 3 3 4 4
1 1 2 1 4 3 3 3 3 4 4 4 3 3 4 4 4 4 3 4 4 3 3 3 3 4 4 4 4 3 4 4 4
1 2 2 1 4 3 4 3 4 3 3 4 3 3 3 4 3 3 3 4 3 3 4 4 3 4 4 4 3 4 3 3 4
1 2 2 1 4 3 4 4 4 3 4 4 4 4 3 4 4 4 3 4 4 4 4 4 3 3 3 3 4 3 3 3 3
2 1 2 2 4 3 3 3 3 3 4 3 3 3 3 3 4 4 4 4 4 3 3 4 3 4 3 4 4 3 3 3 3
2 1 2 2 4 3 3 4 4 3 3 4 4 4 4 3 4 3 4 4 3 4 4 4 3 3 4 4 4 4 4 3 4
1 2 2 2 4 4 3 3 3 3 4 3 3 4 4 3 3 4 4 4 3 3 4 4 3 4 4 4 4 4 3 3 3
1 2 1 2 4 3 3 3 3 3 3 3 4 3 4 3 3 3 4 3 3 3 4 3 3 4 3 4 3 4 3 4 4
1 2 2 1 4 3 3 4 4 3 3 4 4 4 4 3 3 3 3 3 4 3 3 3 4 4 4 4 3 4 4 4 4
1 1 2 1 4 4 3 3 4 4 3 3 3 4 3 3 3 4 4 4 3 3 4 4 4 4 3 3 3 3 3 4 3
1 2 1 2 4 3 3 4 3 4 4 3 4 3 3 3 4 3 4 4 4 4 3 4 3 3 3 3 3 4 3 3 4
2 2 2 2 4 4 4 4 3 4 3 3 3 3 3 3 4 4 4 3 4 3 3 4 4 4 4 3 4 3 4 4 3
1 2 2 1 4 3 3 3 4 4 4 3 3 3 3 3 3 4 3 4 3 4 4 4 3 4 3 4 3 3 3 3 3
2 2 2 1 4 3 3 4 3 4 3 4 4 3 3 3 3 3 3 4 3 4 4 4 3 3 3 4 4 3 4 3 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 1 2 1 4 3 4 3 3 3 4 3 4 4 4 4 4 3 4 4 3 3 4 4 4 3 4 3 3 4 4 4 3
1 2 1 2 4 4 3 3 4 3 4 3 4 4 3 4 4 3 3 4 3 3 4 3 3 3 4 4 3 4 4 3 4
1 1 1 1 4 3 3 3 4 4 3 4 3 4 4 3 3 3 4 4 4 3 4 3 3 3 3 3 4 4 4 3 3
1 1 2 1 4 4 3 4 4 4 4 3 4 3 3 3 3 4 3 3 3 4 4 4 4 4 3 4 3 4 3 3 4
1 1 2 2 4 4 4 3 3 3 4 4 3 3 4 3 4 4 4 3 3 4 3 3 4 4 3 4 3 4 4 3 3
1 1 2 2 4 4 3 4 4 4 4 4 4 4 4 4 4 4 4 4 3 4 4 4 3 4 3 4 3 3 3 4 3
1 2 2 2 4 4 4 4 3 4 3 3 3 3 4 4 3 3 4 3 4 3 3 3 3 3 4 3 3 4 3 3 3
1 2 1 2 4 4 3 3 3 4 4 4 3 3 4 3 3 4 3 3 3 4 4 3 3 4 4 3 4 4 3 4 3
2 1 2 2 4 4 4 4 3 4 4 3 3 3 4 3 3 4 4 3 4 3 3 4 4 3 3 4 3 3 4 4 4
2 1 1 1 4 4 4 3 4 4 4 3 4 3 4 4 3 3 3 3 3 3 4 3 4 3 4 4 3 4 3 3 4
1 2 2 2 4 4 3 4 4 4 3 3 4 4 4 3 4 4 3 4 4 3 3 4 4 4 4 4 4 4 3 4 4
2 1 1 1 4 4 4 4 4 3 4 3 3 3 3 3 3 3 4 4 3 4 4 4 3 3 4 4 4 3 3 3 4
1 2 2 2 4 3 4 4 3 3 3 4 3 4 3 4 4 3 4 3 3 3 4 3 4 3 4 4 3 3 4 3 3
1 2 2 2 4 4 4 3 4 4 3 3 3 4 4 4 3 3 3 3 3 3 4 3 3 3 3 3 3 4 4 4 4
2 2 1 1 4 5 5 5 4 4 5 4 5 4 4 5 5 5 4 4 4 5 4 5 4 5 4 4 5 5 5 5 4
1 2 2 2 4 4 4 5 4 4 5 5 4 4 4 4 4 5 5 4 5 4 5 5 4 5 5 5 5 5 4 4 4
1 1 1 1 4 4 4 5 5 5 4 4 5 5 5 4 5 4 5 5 5 5 4 4 5 5 5 4 5 5 5 4 5
2 2 2 1 4 4 4 5 4 5 4 5 5 5 4 5 4 5 5 4 4 5 5 5 5 5 4 4 4 5 5 5 4
2 1 1 1 4 5 4 4 4 4 5 4 4 5 4 5 5 5 4 4 4 5 4 4 4 4 5 4 5 4 4 4 4
2 2 1 2 4 5 4 5 5 5 4 4 4 5 5 4 4 5 4 4 4 5 4 5 5 5 4 5 5 4 5 4 4
2 2 2 2 4 5 4 4 5 5 5 4 4 4 4 5 5 5 4 4 5 4 4 5 4 5 4 4 4 4 5 4 4
1 2 2 2 4 4 4 4 5 5 4 5 4 5 4 5 4 4 4 5 5 5 5 5 4 5 5 4 4 4 4 5 5
1 2 2 2 4 4 5 4 4 4 4 4 5 4 5 5 5 5 4 4 4 5 4 5 4 5 5 5 4 4 5 5 4
1 1 2 2 4 4 4 4 4 4 4 5 5 4 5 5 4 4 4 5 5 4 4 5 4 4 5 4 5 4 5 4 4
2 2 2 1 4 4 5 5 4 5 4 4 5 4 5 4 5 5 5 4 5 4 4 5 4 5 5 4 4 4 4 5 5
2 1 1 1 4 5 5 5 4 5 5 4 5 4 4 5 5 4 5 4 5 4 5 4 4 5 4 5 5 4 4 4 5
2 1 2 2 4 5 4 4 5 4 4 5 5 5 4 4 5 4 5 4 4 4 4 4 5 4 4 5 5 4 4 4 5
1 1 1 1 4 5 4 5 4 4 4 4 4 5 5 5 4 5 4 5 5 5 5 5 4 5 5 4 4 4 4 5 4
1 2 2 1 4 5 4 5 5 5 4 5 5 5 5 4 4 4 5 5 4 5 5 5 4 4 4 4 4 4 4 5 5
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
2 2 2 2 4 5 5 4 4 5 4 5 5 4 5 4 5 4 4 4 5 5 5 5 5 5 4 5 4 5 4 5 4
1 2 1 1 4 5 5 5 4 4 4 5 4 5 4 4 4 5 5 5 4 4 4 5 5 4 4 5 5 4 4 5 5
1 1 1 2 4 4 5 4 4 4 4 5 4 5 4 5 5 5 4 4 4 5 5 5 4 5 5 5 4 5 5 5 5
1 2 1 1 4 5 4 5 5 4 5 4 4 5 4 4 4 5 5 5 5 5 5 4 5 5 5 4 4 5 5 5 5
2 2 1 1 4 4 5 4 5 5 4 5 4 5 4 4 5 5 4 4 5 5 5 4 5 5 4 5 5 4 5 5 4
1 2 1 2 4 5 5 4 4 5 5 5 5 5 5 4 4 5 5 5 5 4 5 4 4 5 4 5 4 5 5 5 5
2 2 2 1 4 4 5 5 5 4 5 4 4 4 4 5 4 4 4 4 4 4 4 5 5 5 4 4 5 4 4 5 4
1 1 2 1 4 3 4 3 4 4 3 3 3 3 3 4 4 3 3 3 4 3 3 4 3 3 3 3 4 4 3 3 4
2 1 2 1 4 4 4 4 3 4 4 3 3 4 3 3 3 4 4 3 4 4 4 4 3 3 3 3 4 4 4 4 3
1 1 1 2 4 5 4 5 5 4 5 4 3 3 4 4 4 4 4 3 4 3 3 3 4 4 3 5 4 3 4 4 3
2 2 2 2 4 4 3 4 4 3 3 4 5 3 5 4 3 5 4 3 5 4 3 3 5 3 3 4 5 4 3 3 4
1 1 2 1 4 3 4 3 4 4 3 4 4 4 4 4 4 3 4 3 3 4 3 3 3 3 4 3 4 3 3 3 4
1 1 1 1 4 4 3 3 4 3 4 4 4 4 4 3 4 3 4 4 3 3 4 3 3 3 4 4 4 4 3 3 3
1 2 2 2 4 4 3 3 3 3 3 3 3 4 3 3 3 3 4 3 4 3 3 4 4 4 4 4 4 3 3 4 4
2 2 2 1 4 3 4 3 3 4 3 3 4 4 4 3 3 4 4 3 3 3 3 3 3 4 4 4 3 4 3 3 4
1 1 1 1 4 4 3 3 4 3 3 3 3 3 4 4 4 4 3 3 4 3 3 4 4 4 3 4 3 4 4 3 4
2 2 2 1 4 3 4 4 4 3 4 3 4 4 4 4 4 4 4 3 4 3 4 3 4 3 4 3 3 4 3 3 4
2 2 2 2 4 3 3 3 4 3 3 3 4 3 3 4 3 4 3 4 4 3 3 3 4 4 4 3 4 3 4 4 3
2 2 2 1 4 3 3 3 3 4 4 4 3 3 4 4 3 3 4 4 4 3 4 3 3 4 3 4 4 3 4 3 4
2 1 2 1 4 4 3 3 4 3 3 4 3 3 4 4 3 3 4 4 3 3 4 4 4 4 3 4 4 4 4 3 3
2 1 1 2 4 4 3 3 4 4 3 3 4 3 3 3 4 4 4 4 3 3 4 3 4 3 3 4 3 4 4 3 3
1 2 1 1 4 3 3 4 3 4 3 3 4 4 3 3 3 3 4 3 3 3 4 3 3 3 3 4 3 3 4 3 4
1 2 1 2 4 4 4 3 4 3 3 3 3 3 4 4 3 4 4 4 3 4 4 4 3 3 3 4 4 4 3 4 3
2 1 1 1 4 3 4 3 4 3 4 3 4 3 4 4 3 4 4 4 3 3 3 3 3 4 4 4 4 4 4 3 4
2 1 1 2 4 4 3 4 3 4 3 4 3 4 4 4 3 3 3 4 3 4 3 4 4 4 4 3 3 3 4 3 3
1 2 1 2 4 4 3 3 4 4 4 3 4 3 3 3 4 3 4 3 4 3 3 4 4 4 3 3 4 3 4 3 4
1 1 1 1 4 3 3 4 3 3 4 3 4 3 4 4 3 4 3 4 3 4 3 3 4 4 4 4 4 3 3 4 4
2 1 1 1 4 4 3 3 3 4 4 3 4 4 4 3 4 3 3 4 3 4 4 3 3 4 3 4 4 4 3 3 3
2 1 1 1 4 4 3 4 3 3 3 3 3 3 3 4 4 3 3 4 3 3 4 3 4 3 3 3 3 4 3 3 4
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 1 1 1 4 4 4 4 3 3 3 4 4 4 4 3 3 3 4 4 4 3 4 4 3 4 3 3 4 3 4 4 3
2 2 2 1 4 3 3 3 3 3 4 4 4 4 4 3 4 4 4 4 3 3 4 4 4 3 4 4 3 3 3 4 3
1 1 2 1 4 4 4 4 3 3 4 3 3 4 4 3 3 3 4 3 3 3 4 4 3 3 3 4 4 3 3 3 3
1 1 2 1 4 4 3 4 3 3 4 4 3 4 4 3 4 4 3 4 4 4 4 3 3 4 3 3 4 4 4 4 3
1 1 2 1 4 3 3 4 4 4 3 4 4 4 4 4 4 4 3 4 3 4 3 4 4 3 4 4 3 3 4 4 3
2 2 2 2 4 3 4 4 4 3 4 3 3 3 3 3 3 4 3 4 4 4 4 3 4 3 4 3 4 3 4 3 3
1 1 2 2 4 4 4 3 4 3 3 3 3 3 3 4 3 4 3 3 3 4 4 3 3 4 4 4 3 4 4 4 3
2 1 2 2 4 3 3 4 3 4 4 3 4 4 4 3 3 3 3 3 3 3 4 4 3 3 3 4 4 3 3 3 3
2 1 2 1 4 2 2 2 3 3 2 2 2 3 2 3 3 3 3 2 2 3 2 2 3 2 3 3 3 2 3 2 3
1 1 2 2 4 2 2 2 2 3 3 2 2 2 3 3 3 2 3 3 3 3 3 3 2 3 2 3 2 3 2 3 2
1 2 1 1 4 2 3 3 3 2 3 2 2 3 2 3 3 3 3 2 3 2 3 2 3 2 3 3 3 2 2 2 3
2 1 1 2 4 2 3 2 2 2 3 2 3 2 2 2 3 2 2 3 3 3 2 3 2 3 2 3 3 3 2 3 3
1 1 1 1 4 3 3 3 2 2 2 3 3 2 2 3 3 2 2 2 3 2 2 2 2 2 2 3 3 3 2 2 2
1 1 2 2 4 2 2 2 3 3 2 3 2 2 2 3 3 2 2 2 2 2 2 2 2 3 3 3 3 2 3 2 3
1 1 2 2 4 3 3 2 3 3 3 3 2 3 3 2 2 2 2 3 3 2 2 3 2 2 3 2 3 2 3 2 2
1 2 2 1 4 2 3 2 2 3 3 3 2 2 3 3 3 2 3 3 2 2 2 2 3 2 3 3 2 2 3 2 2
1 1 1 1 4 2 2 2 3 2 2 2 2 3 3 2 3 3 3 3 2 3 2 3 3 2 3 2 2 3 3 3 3
1 2 1 1 4 2 3 3 2 3 2 3 2 2 3 3 2 2 2 2 2 2 2 2 3 2 2 3 3 2 2 2 3
2 2 1 1 4 3 3 4 3 4 3 3 4 4 3 4 4 4 3 4 3 4 3 3 3 3 4 4 4 4 3 3 4
1 1 1 2 4 3 4 4 4 4 3 4 4 3 3 4 3 3 4 3 4 3 4 4 3 3 4 3 4 3 4 3 4
1 2 2 1 4 3 3 4 4 4 4 3 3 3 4 4 4 3 4 3 3 4 4 3 3 4 4 4 4 4 4 3 3
2 2 1 1 4 4 4 4 4 3 3 3 3 3 4 3 3 3 3 4 3 3 3 3 4 4 3 3 4 4 4 4 3
1 1 2 1 4 3 4 4 3 4 4 4 4 3 3 3 4 4 4 4 4 4 4 4 4 3 3 4 3 3 3 4 3
2 1 1 1 4 4 4 4 3 4 4 3 3 4 4 3 4 4 4 4 4 3 4 3 4 3 4 3 4 3 4 3 4
2 2 1 2 4 4 4 3 3 4 4 3 3 3 3 4 3 4 4 4 4 4 3 3 3 3 4 3 4 3 4 4 3
2 2 2 1 4 2 3 2 3 3 3 2 3 3 3 2 2 3 3 2 3 2 3 2 2 3 3 2 3 2 2 3 2
1 1 2 1 4 3 2 3 3 3 2 3 3 2 2 3 2 2 2 2 2 3 3 2 3 3 2 3 2 2 2 2 3
1 2 2 1 4 2 3 2 3 3 2 2 3 3 3 2 2 2 2 3 3 3 3 2 3 3 3 3 2 2 2 3 3
2 1 1 2 4 2 2 2 2 2 3 3 2 3 2 3 2 2 2 3 3 3 2 3 3 2 3 3 3 2 3 3 3
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 1 1 2 4 3 3 2 3 3 3 2 2 3 2 3 3 3 2 2 3 2 2 3 3 3 2 2 2 2 3 2 3
1 1 1 2 4 3 2 2 2 3 2 2 3 2 2 3 2 2 2 3 2 3 2 3 2 2 2 3 3 2 2 2 3
2 2 2 2 4 3 2 3 2 2 3 2 2 2 2 2 2 3 3 3 2 2 2 3 2 2 3 3 2 2 2 3 2
1 2 1 2 4 3 2 3 2 3 3 3 2 2 2 3 2 3 3 3 2 2 2 2 2 2 3 2 2 3 2 2 2
2 1 2 1 4 2 2 2 2 2 3 2 2 3 3 3 2 3 2 3 3 2 2 2 2 3 2 3 3 2 2 3 3
1 2 1 1 4 4 3 4 3 3 3 4 3 4 3 3 4 4 3 3 4 3 4 4 3 3 3 3 4 4 4 4 4
2 1 2 1 4 4 4 3 3 4 4 3 3 3 3 4 4 4 3 4 3 3 4 4 4 4 4 4 3 3 3 4 3
2 1 2 2 4 3 4 4 3 3 4 3 4 4 3 3 4 4 4 3 4 3 3 4 3 4 4 4 3 3 3 4 4
2 1 1 2 4 4 4 4 3 4 3 4 3 4 4 3 4 3 3 4 3 3 3 3 4 4 3 3 4 3 3 3 4
1 1 1 2 4 4 4 3 3 4 4 4 3 4 3 4 3 4 3 3 4 3 3 4 3 3 4 3 3 3 3 4 3
1 1 1 2 4 5 5 4 4 4 4 3 3 4 4 4 4 3 3 4 4 4 4 3 3 3 4 3 4 4 3 4 4
2 1 2 2 4 4 5 3 4 4 4 4 4 3 3 4 4 3 4 3 4 4 4 3 3 4 4 3 4 4 3 3 3
1 2 1 1 4 4 4 3 4 4 3 4 4 4 3 4 4 3 3 4 3 4 4 4 3 4 3 4 3 4 4 4 3
2 1 1 2 4 3 4 3 3 4 4 4 4 4 4 4 4 4 4 3 3 3 4 4 3 4 3 4 4 4 3 3 4
1 2 2 1 4 3 4 4 3 3 3 4 3 3 4 4 4 3 3 3 3 3 3 3 4 4 3 3 3 3 3 4 3
1 2 1 2 4 3 3 3 3 4 3 4 3 4 3 3 4 3 4 4 3 3 3 3 3 4 3 3 3 4 4 4 4
1 2 2 2 4 4 3 3 3 3 3 3 3 4 3 4 4 4 3 3 3 4 3 3 3 3 4 4 3 4 3 3 4
1 2 1 2 4 5 5 5 5 5 5 5 5 5 5 5 5 5 1 2 2 5 4 5 5 5 5 5 2 5 5 3 4
2 1 2 1 4 5 5 5 5 5 5 5 5 5 5 5 2 5 5 4 3 5 5 5 5 5 5 3 4 3 4 5 4
2 1 2 2 4 3 5 4 4 5 5 4 3 4 4 4 4 5 4 5 5 5 5 5 3 3 3 1 2 2 2 5 3
1 1 1 1 4 5 3 4 3 3 5 4 3 4 4 3 2 2 3 2 3 5 4 4 5 5 5 5 5 5 5 4 3
2 2 2 1 4 4 5 4 5 4 4 4 5 5 5 4 4 5 5 5 5 2 5 5 3 4 4 4 4 5 4 4 3
2 1 2 2 4 5 5 5 5 5 5 5 5 5 5 5 5 5 5 2 5 4 4 4 4 3 3 5 5 5 5 5 3
2 1 2 1 4 5 5 5 5 5 4 3 5 5 3 5 4 4 3 4 3 5 3 4 5 5 5 5 5 5 5 5 3
2 1 1 1 4 5 3 3 3 3 5 4 4 4 5 4 2 2 1 2 2 5 5 5 5 5 5 4 4 4 4 5 4
1 2 2 1 4 5 5 5 5 5 5 4 4 4 5 5 5 5 5 5 5 4 4 3 5 5 5 5 2 5 5 4 3
1 1 1 2 4 4 3 4 4 5 4 3 3 3 3 3 3 3 4 4 5 5 5 5 5 5 5 4 4 5 4 4 3
1 1 2 2 4 3 4 4 3 4 4 4 3 4 4 3 4 3 3 4 3 3 4 4 3 3 4 4 4 4 3 4 4
1 1 1 2 4 3 3 3 3 3 4 3 4 4 4 4 3 4 4 3 4 4 3 4 4 3 4 4 3 4 4 4 4
Gender
Age
Experience
VoU
Nama_Bank PEX1
PEX2
PEX3
PEX4
PEX5
EEX1
EEX2
EEX3
EEX4
SIX1
SIX2
SIX3
SIX4
FCX1
FCX2
FCX3
SX1
SX2
SX3
SX4
BIX1
BIX2
BIX3
BIX4
USEX1
USEX2
USEX3
USEX4
1 2 1 2 4 3 4 3 3 4 4 4 3 3 4 4 3 3 4 5 3 4 4 4 3 4 4 4 4 3 4 4 4
1 2 2 1 4 4 3 3 3 3 4 3 3 4 4 4 4 3 4 4 3 5 4 5 5 3 3 3 4 3 3 4 4
2 1 2 2 4 4 4 4 4 3 3 3 4 4 4 3 3 4 3 3 3 4 3 4 4 5 4 3 4 3 4 4 4
2 2 1 1 4 4 3 3 4 3 4 4 3 4 4 3 3 3 4 3 3 3 4 3 3 3 3 4 4 4 4 3 4
2 1 2 2 4 3 3 4 3 4 4 4 4 4 4 4 4 3 4 4 3 4 3 3 4 5 3 4 4 4 4 4 3
2 1 1 1 4 4 3 3 4 3 4 4 3 3 4 3 3 3 3 4 3 4 4 4 3 3 4 3 3 4 4 3 4
1 1 2 1 4 4 4 4 3 4 3 4 4 3 4 4 3 3 4 4 4 4 4 3 3 3 3 4 4 3 3 4 4
2 1 1 1 4 3 4 3 4 3 4 3 3 3 3 3 3 3 3 4 3 3 4 4 3 3 3 3 4 4 4 3 4
1 2 2 2 4 4 3 4 3 4 4 3 3 3 4 3 4 3 4 4 4 3 4 4 3 3 3 3 3 4 4 4 3
2 1 1 1 4 3 3 4 4 3 4 3 4 4 3 4 3 3 4 4 4 3 3 3 3 4 3 3 3 4 4 4 3
1 1 2 1 4 3 4 4 3 4 4 4 4 4 4 4 3 3 4 3 4 4 4 4 4 3 4 3 3 3 4 3 3
2 2 2 1 4 3 4 3 4 3 4 4 3 3 4 4 3 3 4 3 4 3 4 4 4 3 3 3 3 3 4 3 3
2 2 1 1 4 4 4 3 4 4 3 4 3 3 4 4 3 4 4 4 3 4 4 3 3 4 3 3 3 3 4 4 3
2 2 1 1 4 3 4 4 3 3 3 4 4 3 4 4 4 3 4 3 3 4 4 4 4 3 4 4 3 3 4 3 3
1 1 1 2 4 3 3 3 4 3 3 3 3 4 4 4 3 4 3 4 3 4 4 4 4 4 4 4 3 4 4 4 4
1 2 2 2 4 5 5 5 5 5 5 5 5 5 5 5 5 5 4 3 3 5 5 5 5 4 5 5 4 5 5 5 3
2 2 2 2 4 2 1 2 2 2 1 2 1 2 1 2 2 2 4 3 4 2 3 2 5 5 5 5 5 5 5 5 4
1 1 2 2 4 5 5 5 5 5 5 5 4 5 5 5 3 3 3 3 4 3 3 2 5 5 5 5 4 5 5 2 3
2 2 2 1 4 5 5 5 5 5 5 5 5 5 5 5 5 5 4 3 3 5 5 5 4 4 5 5 4 5 5 5 2
2 1 2 1 4 2 1 2 2 2 1 2 1 2 1 2 2 2 3 2 4 2 2 2 3 5 3 5 3 3 3 3 3
2 2 1 1 4 5 5 5 5 5 5 5 4 5 5 5 3 3 3 3 4 3 3 2 4 5 5 5 4 5 5 2 2
2 2 1 2 4 5 5 5 5 5 5 5 5 5 5 5 5 5 4 3 3 5 5 5 4 4 5 5 4 5 5 5 4
1 2 1 1 4 2 1 2 2 2 1 2 1 2 1 2 2 2 4 3 4 2 3 2 4 5 5 5 5 5 5 5 4
2 2 1 1 4 5 5 5 5 5 5 5 4 5 5 5 3 3 3 3 4 3 3 2 5 5 5 5 4 5 5 2 4
Customers’ Acceptance on E-Banking: Study on
Government’s Bank in Jakarta
Osly Usman1, Ina Primiana Syinar2,Umi Kaltum3,Erie Febrian4
Department of Economic and Administration, Faculty of Economics, Universitas Negeri Jakarta, Indonesia
Email Address : [email protected]
Departemen Of Manajemen And Business, Faculty Of Economy and Business, Universitas Padjdjaran, Indonesia
Email Address: [email protected]
Departemen Of Manajemen And Business, Faculty Of Economy and Business, Universitas Padjdjaran, Indonesia
Email Address: [email protected]
Departemen Of Manajemen And Business, Faculty Of Economy and Business, Universitas Padjdjaran, Indonesia
Email Address: [email protected]
Abstract :
In banking industry, Electronic banking (e-banking) are developed to satisfy customers with various banking
transactions in a fast, easy, and flexible ways. This study aimed to measure the acceptance of e-banking by customers
of Government Bank in Jakarta. The study employed explanatory research with total sample of 835 respondents to
scrutinize the respondents’ views based on five variables; performance expectancy, effort expectancy, social influence,
facilitating conditions and security. Data Analysis were using Structural Equation Modelling Partial Least Square (SEM-PLS).
The result of the convergent validity test showed that all indicators that measure each latent variable earned a factor
load value of greater than 0.7 and P-Value <0.05. It can be assumed that all indicators or attributes are valid and able
to reflect latent variables. The reliability test results showed that all composite reliability values were above the cut of
0.7 and cronbach alpha values of each construct has values above the cut of 0.6. Model of structural equation with
behavioral intention as dependent variable indicated R-Square value of 76.5%. and structural equation with variable
use behavior as dependent variable indicated R-Square value of 74.8%. Result of t-test show that performance
expectancy, effort expectancy, social influence, facilitating condition, and security have significant influence to
behavioral intention and behavioral intention have significant influence to use behavior.Security has the greatest
influence on behavioral intention variable, with coefficient of 0.256. The variables with the next biggest influence
respectively are perforrmance expectancy with coefficient of 0.229, social influence with coefficient of 0.152,
faciltating condition with coefficient of 0.151 and effort expectancy with coefficient value of 0.145. This means that
security and performance expectancy were the most influential factor on behavioral intention.
Keywords : E-baking, UTAUT, SEM PLS, security, behavioral intention, use bahavior
1. INTRODUCTION
In response to the development in
information and technology, banking
industry has developed an application to
ease services to its customers. With this,
customers will eventually have various
alternative for banking services. Unlike
conventional banking, where customers
come and do banking transaction on site, e-
banking allowas customers to access
banking services without time and place
bound. Today, e-banking services come with
various platforms, with mobile banking or
m-banking as the latest product. As the name
suggests, mobile banking is part of e-
banking which integrates mobile phone
technology to access banking services.
With convenient access to banking
services, m-banking should have been an
option to customers to deal with banking
transactions. The fact that customers are still
in favor with traditional banking has
illuminated a fundamental question. To date,
studies on m-banking acceptance have
indicated that the failure of e-banking in
nurturing customers’ banking attitude is
more on the behavioral. The behavior is a
response or reaction of the individual against
the stimulus or environment. Individual who
is acting as a customer has the right to accept
or refuse a product. A rejection or
acceptance of a product is one form of
customer behavior. The theory of customer
behavior describes the process of customer
actions which is affected by customer
behaviour to produce outputs. Howard and
Shelth (1967) explained that the theory of
customer behaviour can be seen from the
process, i.e. the input of marketing stimuli
and its environment, which generate output
in the form of the attitudes toward behavior
(attitude), the intention (of interest), and
purchase behavior (the behavior to
purchase).
Research adopting the use of technology
with UTAUT (Unified Theory of
Acceptance and Use of Technology) has
been an investigation by some scholars (Ali
Abdallah, 2015; Aik Chuan Teo, 2014; Ali
Tarhini, 2016; Evon tan and jasmine Leby
Lau, 2015; Hakan Celik ; 2015) and still
many more. Ali Tarhini (2016), for example,
employed UTAUT to scrutinize adoption of
intrenet banking in Lebanon. The Research
from Ali Tarhini added security variable,
because security is the key aspect to
financial security of the customers. Like Ali
Tarhani (2016), Evon Tan and Jasmine Leby
Lau (2015) also consider security in their
investigation on adoption of mobile banking
in the millennials. UTAUT was also used to
explain the phenomena in online shopping
(Hakan Celik, 2015).
The superiority of UTAUT and
technology adoption in government banks
had triggered me to scrutinize this topic,
particularly the acceptance of m-banking to
satisfy customers’ banking necessities. This
study also extended its investigation to
security variable which was hypothesized to
be closely correlate with behavioral
intention.
2. Literature Review
UTAUT Theory
Unified Theory of Acceptance and Use
of Technology (UTAUT) was developed by
V. Ventakesh M.G (2003). UTAUT is the
development of TRA theory (Theory of
Reasoned Action), TAM (Technology
Acceptance Model), MM (Motivation
Model), TPB (Theory of Planned Behavior),
C-TAM-TPB (Combination of TAM and
TPB), MPCU (Model of PC Utilization),
IDT (Innovation Diffusion Theory), and
SCT (Social Cognitive Theory). The
adaptation of multi-dimensional theories to
UTAUT has made UTAUT superior and
been adopted by many scholars in internet
banking investigation. This research aimed
to scrutinize the adoption of technology in
national banks by using UTAUT and linked
to customer contexts with pre-determined
variables such as performance expectancy,
effort expectancy, social influence, and
facilitating conditions.
SEMPLS
The Partial Lesat Square (PLS) method
was developed by Wold (1980), with
applications in the Econometrics. This
method was developed later intensively by
Tenenhaus (2005) and Chin (2010) on the
structural equation model. The method that
was developed by Tenenhaus and Chin was
later known as SEM-PLS. SEM-PLS is soft
modelling, in which, this method is not too
tight against the fulfilment of assumptions
like SEM method does. This method is an
applicable method, especially for
application in field research. The difficulty
to meet rigorous assumptions modeling in
field reasearch, such as the adequacy of
samples, error distribution, should follow
normal multivariate distribution and the
homogeneous one (Monecke & amp;
Leisch, 2012).
3. Research Methodology
Population and Sampel
The population sample of this research is
the whole users of electronic banking of
government bank in Jakarta. Sampling was
conducted using conveniece sampling
technique. Convenience sampling is one of
the sampling techniques which allows
researcher to get data from some people in
the population who are willing to provide
information needed (Sekaran, U. & Bougie,
R., 2010). The total sample in this study was
835 respondents. Data was collected through
survey to all respondents.
Variable and Indicators
Variable is defined as anything that can
discriminate or bring variation in value. The
value can be different in various times to
object or to the same people or at the same
time to different objects (Sekaran, U. &
Bougie, R., 2010). Variable on this research
is consisting of 5 independent variables and
2 dependent variables. Independent
variables are performance expectancy, effort
expectancy, social influence, facilitating
conditions and security. Dependent
variables include behavioral intention and
use behavior.
Performance expectancy is the levels of
individual trust that the use of the system
will increase advantage in his job. This
variable is measured by 5 indicators. Effort
expectancy is the level of ease in the
utilization of the system. This variable is
measured by 4 indicators. Social influence is
the individual's perception of the person who
is important to him convincing that he must
use the system. This variable is measured by
4 indicators. Facilitating conditions is the
level of individual trust that organizations
and existing technical infrastructure
encourage the use of the system. This
variable is measured by 3 indicators.
Security is the level of security in using the
system. This variable is measured by 4
indicators. Behavioral intention is the level
of desire to continue using the system. This
variable is measured by 4 indicators. Use
behavior is the behavior of system usage.
This variable is measured by 4 indicators.
Model Construction
Figure 1. Model Construction
Information:
PE: performance expectancy
EE: effort expectancy
SI: social influence
FC: facilitating conditions
S: security
BI: behavioral intention
UB: use behavior
Research Hipothesis
H1: Performance expectancy does not
significantly influence the behavior of
intention of government bank customers.
H2: Effort expectancy does not significantly
influence the behavior of intention of
government bank customers.
PE
EE
SI
FC
S
BI UB
H3: Social Influence has no significant
effect on the behavior of intention of
government bank customers.
H4: Facilitating does not significantly
influence the behavior of intention of
government bank customers.
H5: Security does not significantly influence
the behavior of intention of government
bank customers.
H6: Behavioral Intention has no significant
effect on the Use Behavior of government
bank customers.
4. Analysis Data
Outer Model
Outer model is used to test the validity
and reliability of the instrument. The
indicator or attribute is concluded valid
(capable of reflecting latent variables) if it
has a loading factor value greater than 0.7
(Hair et all, 2014). Reliability test is done by
looking at the value of composite reliability
and value of cronbach alpha. The construct
is said to be reliable if it has a composite
reliability value greater than 0.7, and also a
Cronbach alpha value greater than 0.6 (Hair
et al, 2014).
The result of the convergent validity test
shows that all indicators that measure each
latent variable has a factor loading value
greater than 0.7 and P-Value <0.05 so that it
can be concluded that all indicators or
attributes are valid and able to reflect latent
variables. The results of the validity test of
each indicator that measures the latent
variables, are presented in Table 1.
Tabel 1. Validity test
Indicators Loading
Factor t-value
P-
Value
PE
PEX1 0.837 83.519 0.000
PEX2 0.855 92.760 0.000
PEX3 0.846 90.066 0.000
PEX4 0.846 89.346 0.000
PEX5 0.845 83.245 0.000
EE
EEX1 0.845 90.477 0.000
EEX2 0.849 92.239 0.000
Indicators Loading
Factor t-value
P-
Value
EEX3 0.862 95.899 0.000
EEX4 0.870 108.403 0.000
SI
SIX1 0.837 85.322 0.000
SIX2 0.853 93.391 0.000
SIX3 0.842 71.415 0.000
SIX4 0.845 87.669 0.000
FC
FCX1 0.869 96.359 0.000
FCX2 0.850 73.163 0.000
FCX3 0.877 111.042 0.000
S
SX1 0.854 88.423 0.000
SX2 0.851 86.287 0.000
SX3 0.859 94.474 0.000
SX4 0.834 73.790 0.000
BI
BIX1 0.853 90.545 0.000
BIX2 0.841 88.615 0.000
BIX3 0.837 84.288 0.000
BIX4 0.829 64.297 0.000
USE
USEX1 0.857 91.085 0.000
USEX2 0.840 84.111 0.000
USEX3 0.832 68.261 0.000
USEX4 0.814 59.065 0.000
The reliability test is presented in Table
2. The reliability test results show that all
composite reliability values are above the
cut of 0.7. The highest value of composite
reliability is owned by performance
expectancy variable with value 0,926 and
value of composite reliability is owned by
faciltating condition variable with
composite reliability value equal to 0.899.
The cronbach alpha value in Table 2 shows
that all cronbach alpha values of each
construct have values above the cut of 0.6.
The highest value of cronbach alpha is
owned by performance expectancy variable
with cronbach alpha value of 0.901. The
lowest value of cronbach alpha is owned by
the Faciltating condition variable with
cronbach alpha value of 0.832. Reliability
test results show that all variables have
composite reliabily value and cronbach
alpha value above cut of 0.7 and 0.6, so it
can be concluded that the indicator or
attribute used to measure each latent variable
is reliable.
Tabel 2. Reliability Test
Laten
Variable
Composite
reliability
Cronbach
alpha
Conclusi
on
PE 0,926 0.901 Reliable
EE 0,917 0.879 Reliable
SI 0.918 0.866 Reliable
FC 0.899 0.832 Reliable
S 0.912 0.872 Reliable
BI 0.906 0.861 Reliable
USE 0.903 0.857 Reliable
Inner Model
Inner model is a model that describes
the relationship between latent variables,
both exogenous latent variables and
endogenous latent variables. Inner
model describes the causal relationships
among these variables, as well as the
influence of exogenous latent variables
to endogenous latent variables which are
reflected from the inner model. Influence
on the inner model include direct
influence (direct effect) and indirect
influence (indirect effect).
Tabel 3. Hypothesis test
Relation Path
Coefficient T-Value
P-
Value
PE ---> BI 0.229 4.560 0.000
EE ---> BI 0.145 2.592 0.010
SI ---> BI 0.152 3.069 0.002
FC ---> BI 0.151 2.588 0.010
S ---> BI 0.256 4.323 0.000
BI ---> USE 0.865 96.929 0.000
Table 3 shows that all hypotheses have
been proven. Performance expectancy,
effort expectancy, social influence,
facilitating condition, and security have
significant effect to behavioral intention and
behavioral intention has significant effect on
use behavior.
Security variables have the greatest
influence on behavioral intention variable,
with coefficient of 0.256. The variables with
the next biggest influence respectively are
performance expectancy with coefficient of
0.229, social influence with coefficient of
0.152, faciltating condition with coefficient
of 0.151 and effort expectancy with
coefficient value of 0.145. This means that
security and performance expectancy be the
most influential factor on behavioral
intention.
Direct influence is also shared by use
behavior, where behavioral intention gives
direct influence to use behavior. The amount
of influence behavioral intention on the use
behavior is 0.865.
𝐵𝐼 = 0.229𝑃𝐸 + 0.145𝐸𝐸+0.152𝑆𝐼 +0.151FC + 0.256S + ζ1 , R-Square = 0.765
𝑈𝑆𝐸 = 0.865𝑃𝐸+ζ2, R-Square = 0.748
Model of structural equation with
behavioral intention as dependent variable is
obtained R-Square value of 0.765 or 76.5%.
This shows that the variable of performance
expectancy, effort expectancy, social
influence, facilitating condition, and
security can explain as much as 76.5 from
behavioral intention of electronic banking.
Model of structural equation with
variable use behavior as dependent
variable obtained R-Square value of
0.748 or 74.8%. This shows that 74.8%
of the use behavior is explained by
behavioral intention variables and the
rest is explained by other variables
outside the study.
For government bank customers in
receiving e-banking technology security
aspect becomes the most important
variable. This happens because the
security factor of their funds is of
concern. These results are in line with
research conducted by Ezeoha (2005,
2006), and V. Vankatesth (2012).
Azeoha (2005) states that internet
banking confidence (part of e-banking)
is eroded due to high fraud and
corruption in the country, so the
sensitivity of information and security
continues to be a major issue in the
minds of banking customers. V.
Venkantest (2012) also states that
security affects the behavioral intention
of a technology. Turban E (2015) states
that the security of a transaction must
have privacy, authenty, integrity, and
non-repudations. Increasing security as
well as reducing risk, was the perception
of security which became the attention of
customers. In this research, security is a
differentiator from the theory of UTAUT
by Ventakesh at 2003.
5. Conclusion
This study shed lights on customers’
acceptance on m-banking in government
banks in Indonesia’s context. The study has
revealed that all variables contributed to
significant relationship to customers’
acceptance on m-banking. The realationship
of all variables are set out as follows:
1).Performance Expectancy significantly
influences the Behavioral Intention of e-
banking by government bank customers.
Effort expectancy significantly affect the
Behavioral Intention of e-banking by
government bank customers, 2). Facilitating
Condition significantly affected the
Behavioral Intention of e-banking by
government bank customers, 3). Social
influence has a significant effect on the
Behavioral Intention of e-banking by
government bank customers, 4). Security
significantly affected the Behavioral
Intention of e-banking by government bank
customers, 5). Security has the greatest
consent to Behavioral Intention on e-
banking compared to other variables. After
all, the result of t test shows that Behavioral
Intention has significant effect on Use
Behavior adoption of e-banking technology
of government bank.
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