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m
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ts
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b
a
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k
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g
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ti
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r
g
an
ized
as
f
o
llo
ws.
Sectio
n
2
p
r
esen
ts
th
e
p
r
elim
in
ar
y
s
tu
d
y
.
Sectio
n
3
d
escr
ib
es
th
e
p
r
o
p
o
s
ed
m
o
d
el.
Sectio
n
4
p
r
o
v
id
es
th
e
ex
p
er
im
en
tal
r
esu
lts
o
f
th
e
p
r
o
p
o
s
ed
m
o
d
el.
Sectio
n
5
d
is
cu
s
s
es
th
e
an
al
y
s
is
o
f
th
e
p
r
o
p
o
s
ed
m
o
d
el
b
ased
o
n
s
ev
er
al
f
ac
to
r
s
.
Sec
tio
n
6
p
r
e
s
en
ts
th
e
co
n
clu
s
io
n
s
an
d
r
ec
o
m
m
e
n
d
at
io
n
s
f
o
r
f
u
tu
r
e
w
o
r
k
.
2.
P
RE
L
I
M
I
NAR
Y
ST
U
DY
I
n
th
is
s
ec
tio
n
,
a
p
r
elim
in
ar
y
s
tu
d
y
is
co
n
d
u
cted
t
o
em
p
ir
ically
d
eter
m
i
n
e
th
e
u
s
er
ac
ce
p
tan
ce
d
eter
m
in
an
ts
o
f
e
-
b
a
n
k
in
g
.
T
h
is
p
r
elim
in
ar
y
s
tu
d
y
in
v
o
lv
es
s
taf
f
wh
o
wo
r
k
in
th
r
ee
I
r
aq
i
b
a
n
k
s
as
well
a
s
th
eir
cu
s
to
m
er
s
-
as d
ed
u
ce
d
f
r
o
m
th
e
p
r
ev
io
u
s
r
elev
an
t stu
d
ies.
I
n
th
e
n
ex
t sectio
n
s
,
th
e
m
eth
o
d
u
s
ed
,
an
aly
s
is
,
an
d
th
e
o
b
tain
ed
f
in
d
in
g
s
h
av
e
d
is
cu
s
s
ed
.
2
.
1
.
T
he
m
et
ho
d us
ed
User
ac
ce
p
tan
ce
o
f
e
-
b
an
k
in
g
is
m
ea
s
u
r
ed
b
y
a
1
0
-
item
s
u
r
v
ey
q
u
esti
o
n
n
air
e.
T
h
is
d
ev
elo
p
e
d
q
u
esti
o
n
n
air
e
h
as
d
e
v
elo
p
e
d
b
ased
o
n
th
e
ad
ap
tatio
n
o
f
i
tem
s
f
r
o
m
p
r
e
v
io
u
s
r
elate
d
s
tu
d
ies,
as
well
as
co
n
clu
s
io
n
s
m
ad
e
f
r
o
m
th
e
lite
r
atu
r
e
[
10
]
.
T
h
e
o
b
tain
ed
r
esu
l
t
f
r
o
m
th
is
p
r
elim
in
ar
y
s
tu
d
y
a
s
s
is
ts
to
ex
tr
ac
t
th
e
d
eter
m
in
an
ts
th
at
af
f
ec
t
th
e
a
d
o
p
tio
n
o
f
elec
tr
o
n
ic
b
an
k
s
in
I
r
aq
.
T
ab
le
1
p
r
esen
ts
th
e
item
s
,
th
eir
co
d
es,
an
d
th
eir
r
esp
ec
tiv
e
r
ef
e
r
en
ce
s
.
T
h
e
d
ev
elo
p
ed
q
u
esti
o
n
n
air
es
wer
e
s
p
r
ea
d
o
v
er
to
f
o
r
ty
-
f
iv
e
(
4
5
)
r
esp
o
n
d
en
ts
p
u
r
p
o
s
iv
ely
s
elec
ted
a
m
o
n
g
b
an
k
s
taf
f
.
as
m
e
n
tio
n
ed
ea
r
l
y
,
th
e
aim
o
f
c
o
n
d
u
ctin
g
th
e
p
r
elim
in
ar
y
s
tu
d
y
is
u
s
er
s
‟
v
alid
atio
n
[
11
]
.
Data
co
llected
was
a
n
aly
ze
d
u
s
in
g
Statis
tical
Pack
ag
e
f
o
r
t
h
e
So
cial
Scien
ce
s
(
SP
SS
v
2
5
)
.
T
o
v
alid
ate
th
e
co
n
s
is
ten
cy
o
f
th
e
s
elec
ted
it
em
s
an
d
to
en
s
u
r
e
th
at
th
e
s
elec
ted
ite
m
s
d
u
ly
m
ea
s
u
r
ed
,
a
r
eliab
ilit
y
test
wa
s
co
n
d
u
cted
.
T
ab
le
1
.
T
h
e
10
-
item
s
u
r
v
ey
q
u
esti
o
n
n
air
e
C
o
d
e
I
t
e
m
R
e
f
e
r
e
n
c
e
s
1
I
c
a
n
u
se
I
n
t
e
r
n
e
t
b
a
n
k
i
n
g
,
i
n
c
l
u
d
i
n
g
c
o
n
d
u
c
t
m
a
n
y
b
a
n
k
t
r
a
n
sac
t
i
o
n
s.
[
1
2
,
1
3
]
2
Th
e
b
a
n
k
w
e
b
s
i
t
e
i
s e
a
sy
t
o
u
se
.
[
6
]
3
Th
e
b
a
n
k
w
e
b
s
i
t
e
i
s se
c
u
r
e
[
1
4
,
1
5
]
4
I
c
a
n
u
se
A
TM
t
o
d
o
b
a
n
k
t
r
a
n
sa
c
t
i
o
n
s a
n
y
w
h
e
r
e
[
10
]
5
Th
e
r
e
i
s
a
l
a
c
k
o
f
k
n
o
w
l
e
d
g
e
a
b
o
u
t
t
r
a
n
sf
e
r
r
i
n
g
o
n
l
i
n
e
[
1
6
]
6
E
-
b
a
n
k
i
n
g
i
s r
e
l
i
a
b
l
e
[
1
3
,
1
7
]
7
I
t
r
u
st
t
h
e
b
a
n
k
w
e
b
si
t
e
[
1
8
,
1
9
]
8
I
C
T
b
a
c
k
g
r
o
u
n
d
[
20
]
9
Th
e
b
a
n
k
w
e
b
s
i
t
e
i
s
u
sef
u
l
n
e
ss
[
2
1
]
10
I
s t
h
e
r
e
a
n
i
n
t
e
r
n
a
t
i
o
n
a
l
t
r
a
n
sf
o
r
ma
t
i
o
n
t
h
a
t
e
x
i
st
s
i
n
I
r
a
q
i
e
-
b
a
n
k
i
n
g
?
[
7
]
2
.
2
.
F
ind
ing
s
Acc
o
r
d
in
g
to
[
22
]
,
f
o
r
th
e
p
r
e
f
er
ab
le
ca
s
e,
t
h
e
ca
lcu
lated
v
a
lu
e
o
f
a
C
r
o
n
b
ac
h
’
s
Alp
h
a
v
al
u
e
s
h
o
u
l
d
b
e
m
o
r
e
th
an
7
,
w
h
ile
it
was
ac
ce
p
tab
le
if
it
m
o
r
e
th
an
6
.
T
h
er
ef
o
r
e,
C
r
o
n
b
ac
h
'
s
Alp
h
a
v
alu
e
o
f
0
.
7
2
7
is
s
atis
f
ac
to
r
y
.
T
h
is
in
d
icate
s
th
at
all
s
elec
ted
item
s
ar
e
s
u
itab
le
f
o
r
th
e
ass
ess
m
en
t
o
f
u
s
er
ac
ce
p
tan
ce
o
f
e
-
b
an
k
in
g
.
T
h
e
d
escr
ip
tiv
e
s
tatis
tics
wer
e
ca
lcu
lated
(
th
e
v
alu
e
o
f
th
e
m
ea
n
was
4
.
5
3
an
d
th
e
v
alu
e
o
f
th
e
s
tan
d
ar
d
d
ev
iatio
n
was
1
.
0
2
)
o
n
a
5
-
p
o
in
t
L
ik
er
t
s
ca
le
(
1
=S
tr
o
n
g
ly
d
is
ag
r
ee
,
2
=D
is
ag
r
ee
,
3
=So
m
eh
o
w
a
g
r
ee
,
4
=A
g
r
ee
an
d
5
=Str
o
n
g
ly
a
g
r
e
e)
.
T
h
e
f
i
n
d
in
g
s
,
t
h
er
ef
o
r
e,
s
h
o
wed
th
at
s
elec
ted
d
ata
is
ac
ce
p
ted
.
2
.
3
.
I
m
pli
ca
t
i
o
ns
o
f
t
he
prelim
ina
ry
f
ind
ing
s
T
h
e
f
in
d
in
g
s
o
f
th
e
co
n
d
u
cte
d
a
p
r
elim
in
ar
y
s
tu
d
y
p
o
in
t
t
o
th
e
s
am
e
co
n
clu
s
io
n
m
ad
e
f
r
o
m
th
e
p
r
ev
io
u
s
s
tu
d
ies
o
n
th
e
is
s
u
es
o
f
a
d
o
p
tin
g
e
-
b
a
n
k
in
g
.
I
t
s
h
o
ws
e
-
b
an
k
in
g
in
I
r
aq
h
as
b
e
en
ex
p
e
r
ien
cin
g
a
n
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Sectio
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s
3
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2
.
3
to
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8
.
A
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s
E
-
b
a
n
k
i
n
g
s
e
r
v
i
c
e
s
B
a
n
k
r
e
p
u
t
a
t
i
o
n
S
y
s
t
e
m
I
n
t
e
r
f
a
c
e
u
s
a
b
i
l
i
t
y
Fig
u
r
e
1
.
E
-
b
an
k
in
g
d
eter
m
in
a
n
ts
in
I
r
aq
3.
T
H
E
P
RO
P
O
SE
D
M
O
D
E
L
I
n
th
is
s
ec
tio
n
,
an
o
v
er
v
iew
o
f
r
elate
d
th
eo
r
ies
to
th
e
s
tu
d
y
h
as
h
ig
h
lig
h
ted
.
Firstl
y
,
th
e
th
eo
r
y
o
f
ac
ce
p
tan
ce
m
o
d
e
l
(
T
AM
)
h
as
u
tili
ze
d
as
an
u
n
d
er
p
in
n
in
g
th
eo
r
y
o
f
th
is
r
esear
ch
.
T
h
en
th
e
d
ef
in
itio
n
a
n
d
th
e
co
n
ce
p
tu
aliza
tio
n
o
f
T
AM
m
o
d
el
v
ar
iab
les
h
av
e
b
ee
n
d
escr
ib
ed
.
Fu
r
th
er
m
o
r
e,
th
e
o
v
er
v
iew
o
f
th
e
ex
ter
n
al
v
ar
iab
les th
at
ex
ten
d
e
d
th
e
T
A
M
m
o
d
el.
3
.
1
.
T
ec
hn
o
lo
g
y
a
cc
ept
a
nce
m
o
del
I
n
1
9
8
9
,
Dav
is
p
r
o
p
o
s
ed
th
e
T
ec
h
n
o
lo
g
y
Acc
ep
tan
ce
M
o
d
el
(
T
AM
)
;
th
is
m
o
d
el
th
u
s
is
o
n
e
o
f
th
e
s
ig
n
if
ican
t
m
o
d
els
ac
cr
ed
ited
b
y
r
esear
ch
er
s
to
m
ea
s
u
r
e
cu
s
to
m
er
b
eh
a
v
io
r
to
ad
o
p
t
n
ew
t
ec
h
n
o
lo
g
y
s
u
ch
as
(
I
n
ter
n
et
b
a
n
k
in
g
)
.
it
is
b
ased
o
n
th
e
T
h
eo
r
y
o
f
R
ea
s
o
n
ed
Actio
n
(
T
R
A)
b
y
[
23
]
.
T
AM
s
u
g
g
ests
th
at
b
o
th
p
er
ce
iv
ed
ea
s
e
o
f
u
s
e
(
PEU)
an
d
p
er
ce
iv
e
d
u
s
ef
u
ln
ess
(
PU)
ca
n
b
e
p
r
e
d
icted
b
y
u
s
er
attitu
d
e
to
war
d
u
s
in
g
th
e
in
ten
d
ed
tech
n
o
lo
g
y
.
PEU
also
ca
n
in
f
lu
e
n
ce
th
e
PU
o
f
th
e
i
n
ten
d
ed
tech
n
o
lo
g
y
.
Fig
u
r
e
2
i
llu
s
tr
ates
an
o
r
ig
in
al
v
er
s
io
n
o
f
T
AM
wh
ich
ad
o
p
te
d
f
r
o
m
[
24
]
.
E
x
t
e
r
n
a
l
V
a
r
i
a
b
l
e
s
P
e
r
c
e
i
v
e
d
U
s
e
f
ul
n
e
s
s
(
PU
)
P
e
r
c
e
i
v
e
d
E
a
s
e
Of
U
s
e
(
P
E
U
)
A
t
t
i
t
ude
T
o
wa
r
d
s
T
e
c
hn
o
l
o
g
y
(
A
T
T
)
Be
ha
v
i
o
r
a
l
In
t
e
n
t
i
o
n
T
o
U
s
e
(
BI
)
A
c
t
ua
l
U
s
e
Fig
u
r
e
2
.
Or
ig
i
n
al
v
er
s
io
n
o
f
T
AM
[
2
2
]
Evaluation Warning : The document was created with Spire.PDF for Python.
I
SS
N
:
1
6
9
3
-
6
9
3
0
T
E
L
KOM
NI
KA
T
elec
o
m
m
u
n
C
o
m
p
u
t E
l Co
n
tr
o
l
,
Vo
l.
19
,
No
.
2
,
Ap
r
il 2
0
2
1
:
4
2
1
-
431
424
As
ex
p
licitly
s
h
o
wn
in
Fig
u
r
e
2
,
th
e
co
r
e
v
ar
ia
b
les o
f
th
e
o
r
i
g
in
al
v
er
s
io
n
o
f
T
AM
ar
e
t
h
e
f
o
llo
win
g
:
−
Per
ce
iv
ed
u
s
ef
u
ln
ess
(
PU)
:
T
o
wh
at
ex
ten
t,
th
e
tech
n
o
l
o
g
y
’
s
u
s
er
s
ca
n
en
h
an
ce
th
eir
b
u
s
in
e
s
s
p
er
f
o
r
m
an
ce
.
−
Per
ce
iv
ed
ea
s
e
o
f
u
s
e
(
PEU)
:
U
s
er
s
tr
y
in
g
t
o
u
s
e
n
ew
tec
h
n
o
lo
g
y
t
o
th
e
ex
te
n
t
p
o
s
s
ib
le
to
p
ay
th
e
s
u
b
jectiv
e
p
er
ce
p
tio
n
.
−
Attitu
d
e
t
o
war
d
s
(
AT
)
:
A
p
o
s
i
tiv
e
ev
alu
atio
n
b
y
tech
n
o
lo
g
y
’
s
u
s
er
s
o
f
n
ew
tech
n
o
lo
g
ies o
r
n
eg
ativ
e.
−
B
eh
av
io
u
r
al
in
ten
tio
n
(
B
I
)
:
th
e
tech
n
o
lo
g
y
’
s
u
s
er
s
wan
t
to
u
s
e
n
ew
tech
n
o
lo
g
ies,
th
e
ac
tu
al
o
p
er
atio
n
al
b
eh
av
io
u
r
o
f
tech
n
o
lo
g
y
u
s
er
s
.
−
Actu
al
u
s
e
(
AU)
: A
d
o
p
tio
n
e
-
b
an
k
in
g
s
y
s
tem
.
T
h
er
e
ar
e
m
a
n
y
s
tu
d
ies
f
o
r
d
i
s
co
v
er
in
g
t
h
e
d
eter
m
in
an
ts
in
ad
o
p
t
e
-
b
an
k
i
n
g
i
n
d
e
v
elo
p
in
g
co
u
n
tr
ies
th
at
p
r
ed
ict
th
e
in
ten
tio
n
to
ad
o
p
t
an
d
u
s
e
e
-
b
an
k
i
n
g
[
25
-
28
]
.
T
h
is
s
tu
d
y
ex
ten
d
s
th
e
T
AM
m
o
d
el
an
d
t
h
er
ef
o
r
e
id
en
tifie
s
th
e
d
eter
m
in
an
ts
o
f
e
-
b
an
k
in
g
s
er
v
ices.
T
h
is
s
tu
d
y
attem
p
ts
to
ac
h
iev
e
t
h
e
f
o
ll
o
win
g
r
esear
ch
o
b
jectiv
es: 1
)
t
o
w
h
at
ex
ten
t t
h
e
cu
s
to
m
er
tr
u
s
t
(
C
T
)
ca
n
e
f
f
ec
t o
n
p
e
r
ce
iv
ed
u
s
ef
u
ln
ess
.
2
)
T
o
wh
at
e
x
ten
t th
e
cu
s
to
m
er
tr
u
s
t
(
C
T
)
ca
n
ef
f
ec
t
o
n
p
e
r
ce
iv
ed
as e
asy
t
o
u
s
e.
3
)
T
o
wh
at
e
x
ten
t th
e
e
-
b
an
k
in
g
in
f
r
astru
ctu
r
e
(
E
I
)
ca
n
ef
f
ec
t
o
n
p
er
ce
i
v
ed
u
s
ef
u
l
n
ess
.
4
)
T
o
wh
at
ex
ten
t
th
e
e
-
b
an
k
in
g
in
f
r
astru
ctu
r
e
(
E
I
)
ca
n
ef
f
ec
t
o
n
p
er
ce
iv
e
d
ea
s
y
to
u
s
e.
5
)
T
o
wh
at
ex
ten
t
t
h
e
e
-
b
an
k
i
n
g
s
er
v
ices
(
E
S)
ca
n
ef
f
ec
t
o
n
p
er
ce
iv
e
d
u
s
ef
u
ln
ess
.
6
)
T
o
wh
at
ex
ten
t
th
e
e
-
b
an
k
in
g
s
er
v
ices
(
E
S)
c
an
ef
f
ec
t
o
n
p
er
ce
i
v
ed
ea
s
y
to
u
s
e.
7
)
T
o
wh
at
ex
ten
t
th
e
n
on
-
I
C
T
ca
n
ef
f
ec
t
o
n
p
er
ce
iv
ed
u
s
ef
u
ln
ess
.
8
)
T
o
w
h
at
ex
ten
t
th
e
No
n
-
I
C
T
ca
n
ef
f
ec
t
o
n
p
er
ce
i
v
ed
ea
s
y
to
u
s
e.
9
)
T
o
wh
at
ex
ten
t
th
e
cu
s
to
m
er
tr
u
s
t
(
C
T
)
ca
n
ef
f
ec
t o
n
b
e
h
av
io
r
al
in
ten
tio
n
.
1
0
)
T
o
wh
at
ex
ten
t
th
e
e
-
b
a
n
k
in
g
s
er
v
ices
(
E
S)
ca
n
ef
f
ec
t
o
n
b
eh
av
io
r
al
in
ten
tio
n
.
1
1
)
T
o
wh
at
ex
ten
t
th
e
b
an
k
r
e
p
u
tatio
n
(
B
R
)
ca
n
ef
f
ec
t
o
n
p
e
r
ce
iv
ed
u
s
ef
u
l
n
ess
.
1
2
)
T
o
wh
at
ex
ten
t
th
e
b
an
k
r
ep
u
tatio
n
(
B
R
)
ca
n
ef
f
ec
t
o
n
p
er
ce
iv
ed
as
ea
s
y
to
u
s
e.
1
3
)
T
o
wh
at
ex
ten
t
th
e
s
y
s
tem
in
ter
f
a
ce
u
s
ab
ilit
y
(
SI
U)
ca
n
ef
f
ec
t
o
n
p
e
r
ce
iv
ed
u
s
ef
u
ln
ess
.
1
4
)
T
o
wh
at
ex
te
n
t
th
e
s
y
s
tem
in
ter
f
ac
e
u
s
ab
ilit
y
(
SIU
)
ca
n
ef
f
ec
t o
n
p
er
ce
iv
ed
as e
asy
to
u
s
e.
3
.
2
.
L
it
er
a
t
ure
re
v
iew
a
nd
re
s
ea
rc
h hy
po
t
hes
es
T
h
is
s
ec
tio
n
d
escr
ib
es
th
e
l
ite
r
atu
r
e
an
d
th
eo
r
ies
r
elate
d
to
th
is
r
esear
ch
,
s
u
ch
as
T
AM
a
n
d
its
co
r
e
co
m
p
o
n
en
ts
p
er
ce
iv
e
d
u
s
ef
u
ln
ess
,
p
er
ce
iv
ed
ea
s
y
to
u
s
e,
a
ttit
u
d
e
to
war
d
s
,
b
e
h
av
io
r
in
te
n
tio
n
.
T
h
e
p
r
o
p
o
s
ed
ex
ter
n
al
v
ar
iab
les
as
d
eter
m
in
an
ts
o
f
cu
s
to
m
er
ac
ce
p
ta
n
ce
o
f
e
-
b
an
k
i
n
g
o
f
th
is
s
tu
d
y
h
av
e
h
ig
h
lig
h
ted
.
Fin
ally
,
th
e
r
esear
ch
h
y
p
o
th
eses
h
av
e
o
u
tlin
ed
.
3
.
2
.
1
.
P
er
ce
iv
ed
us
ef
uln
ess
(
P
U)
Fre
d
Dav
is
p
r
o
p
o
s
ed
p
er
ce
iv
e
d
u
s
ef
u
ln
ess
(
PU)
in
1
9
8
9
as
"th
e
d
eg
r
ee
to
wh
ich
a
p
er
s
o
n
b
e
liev
es
th
at
u
s
in
g
a
p
ar
ticu
l
ar
s
y
s
tem
wo
u
ld
en
h
an
ce
h
is
o
r
h
er
jo
b
p
e
r
f
o
r
m
a
n
ce
".
I
t
m
ea
s
u
r
es
wh
et
h
er
o
r
n
o
t
th
e
u
s
er
p
er
ce
iv
es
th
e
in
ten
d
ed
tech
n
o
l
o
g
y
to
b
e
u
s
ef
u
l
f
o
r
wh
at
th
ey
wan
t
to
d
o
.
T
h
e
ev
id
e
n
ce
o
f
t
h
e
s
ig
n
if
ican
ce
o
f
PU
is
s
u
p
p
o
r
ted
b
y
a
b
r
o
ad
r
an
g
e
o
f
r
elate
d
r
esear
ch
s
u
c
h
as
[
24
,
29
-
32
]
b
u
t
n
o
t
lim
ited
to
.
B
ased
o
n
th
ese
f
in
d
in
g
s
,
th
e
f
o
llo
win
g
h
y
p
o
th
esis
ar
e
p
r
o
p
o
s
ed
:
H
y
p
o
t
h
e
s
is
1
:
T
h
e
r
e
w
as
a
p
o
s
i
t
i
v
e
r
el
a
t
i
o
n
s
h
i
p
b
e
t
w
e
e
n
p
e
r
c
e
i
v
e
d
u
s
e
f
u
l
n
e
s
s
a
n
d
u
s
e
r
i
n
t
e
n
t
i
o
n
i
n
u
s
i
n
g
e
-
b
a
n
k
i
n
g
.
3
.
2
.
2
.
P
er
ce
iv
ed
ea
s
e
o
f
us
e
(
P
E
U)
Fre
d
Dav
is
p
r
o
p
o
s
ed
PU
in
1
9
8
9
as
"th
e
d
eg
r
ee
to
wh
ich
a
p
er
s
o
n
b
eliev
es
th
at
u
s
in
g
a
p
ar
ticu
lar
s
y
s
te
m
wo
u
ld
b
e
f
r
ee
f
r
o
m
e
f
f
o
r
t"
.
I
f
th
e
tech
n
o
lo
g
y
is
ea
s
y
to
u
s
e,
th
en
th
e
d
if
f
icu
lties
ar
e
co
n
q
u
er
ed
.
I
f
t
h
e
in
ten
d
ed
s
y
s
tem
is
d
if
f
icu
lt
to
u
s
e
an
d
th
e
s
y
s
tem
h
as
a
co
m
p
licated
in
ter
f
ac
e,
h
as
a
p
o
s
iti
v
e
attitu
d
e
to
war
d
s
it.
B
y
ap
p
ly
in
g
t
h
ese
in
to
e
-
b
a
n
k
in
g
c
o
n
tex
t,
we
h
y
p
o
th
esize:
Hy
p
o
th
esis
2
:
T
h
er
e
was
a
p
o
s
itiv
e
r
elatio
n
s
h
ip
b
etwe
en
p
er
c
eiv
ed
ea
s
e
o
f
u
s
e
an
d
co
n
s
u
m
e
r
in
ten
tio
n
in
u
s
in
g
e
-
b
an
k
in
g
.
3
.
2
.
3
.
No
n
-
I
CT
R
ec
en
tly
,
in
f
o
r
m
atio
n
an
d
co
m
m
u
n
icatio
n
tech
n
o
lo
g
y
(
I
C
T
)
ar
e
s
u
p
p
o
r
ted
th
e
b
a
n
k
in
g
s
ec
to
r
in
d
ea
lin
g
a
n
d
o
v
er
c
o
m
es
th
e
ec
o
n
o
m
ic
ch
allen
g
es.
M
o
r
eo
v
er
,
if
e
-
b
an
k
in
g
u
s
er
s
h
av
e
a
g
o
o
d
b
ac
k
g
r
o
u
n
d
a
n
d
m
atu
r
ity
in
th
e
I
C
T
th
is
will a
d
d
m
o
r
e
ac
ce
p
tan
ce
to
u
s
er
s
t
o
war
d
s
e
-
b
an
k
i
n
g
s
er
v
ices.
B
y
ap
p
ly
in
g
th
ese
in
to
e
-
b
an
k
in
g
co
n
tex
t,
we
h
y
p
o
th
esize:
Hy
p
o
th
esis
3
:
T
h
er
e
was a
p
o
s
itiv
e
r
elatio
n
s
h
ip
b
etwe
en
p
er
ce
iv
ed
ea
s
e
o
f
u
s
e
an
d
n
on
-
I
C
T
.
Hy
p
o
th
esis
4
:
T
h
er
e
was a
p
o
s
itiv
e
r
elatio
n
s
h
ip
b
etwe
en
p
er
ce
iv
ed
u
s
ef
u
ln
ess
an
d
n
on
-
I
C
T
.
3
.
2
.
4
.
Cus
t
o
m
er
t
rus
t
T
h
e
in
v
esti
g
atin
g
wh
ich
d
o
n
e
b
y
[
33
]
r
e
g
ar
d
in
ter
n
et
tr
u
s
t
as
a
f
o
r
m
o
f
e
-
b
an
k
in
g
c
o
n
tex
t
tr
u
s
t.
B
esid
es,
[
1
9
]
in
v
esti
g
ated
th
e
p
er
ce
p
tio
n
s
o
f
th
e
b
an
k
'
s
to
p
m
an
ag
em
en
t
an
d
its
m
a
n
ag
er
s
o
n
th
e
o
n
e
h
an
d
an
d
p
o
ten
tial
u
s
er
s
in
ter
m
s
o
f
ex
p
ec
tatio
n
s
o
f
e
-
b
an
k
in
g
.
C
o
n
s
e
q
u
en
tly
,
th
e
aim
o
f
p
r
o
p
o
s
in
g
cu
s
to
mer
tr
u
s
t
is
to
test
em
p
ir
ically
th
e
in
f
lu
e
n
ce
o
f
tr
u
s
t
o
n
e
-
b
a
n
k
in
g
ac
ce
p
tan
ce
.
T
h
u
s
,
th
e
f
o
llo
win
g
h
y
p
o
th
esis
wer
e
p
r
o
p
o
s
ed
.
Evaluation Warning : The document was created with Spire.PDF for Python.
T
E
L
KOM
NI
KA
T
elec
o
m
m
u
n
C
o
m
p
u
t E
l Co
n
tr
o
l
Dete
r
min
a
n
ts
o
f c
u
s
to
mer a
cc
ep
ta
n
ce
o
f
e
-
b
a
n
kin
g
in
I
r
a
q
u
s
in
g
… (
A
ya
d
H
a
mee
d
Mo
u
s
a
)
425
Hy
p
o
th
esis
5
:
T
h
er
e
was a
p
o
s
itiv
e
r
elatio
n
s
h
ip
b
etwe
en
p
er
ce
iv
ed
ea
s
e
o
f
u
s
e
an
d
cu
s
to
m
er
tr
u
s
t
.
Hy
p
o
th
esis
6
:
T
h
er
e
was a
p
o
s
itiv
e
r
elatio
n
s
h
ip
b
etwe
en
p
er
ce
iv
ed
u
s
ef
u
ln
ess
an
d
cu
s
to
m
er
t
r
u
s
t.
3
.
2
.
5
.
E
-
ba
nk
ing
infr
a
s
t
ruct
ures
R
ec
en
tly
,
m
o
s
t d
ev
elo
p
in
g
co
u
n
tr
ies esp
ec
ially
in
e
-
b
an
k
in
g
,
ten
d
to
an
i
n
cr
ea
s
in
g
ex
te
n
t to
in
v
est in
d
ev
elo
p
in
g
a
n
d
im
p
r
o
v
in
g
th
ei
r
s
y
s
tem
s
'
in
f
r
astru
ctu
r
e
[
34
,
35
]
.
On
th
e
o
t
h
er
h
an
d
,
if
th
e
e
-
b
an
k
in
g
s
y
s
tem
h
as
a
s
o
lid
in
f
r
astru
ctu
r
e
s
u
ch
as
p
r
o
f
ess
io
n
alis
m
in
th
e
d
is
tr
ib
u
tio
n
o
f
AT
Ms
ce
r
tain
ly
will
h
av
e
a
p
o
s
itiv
e
im
p
ac
t
o
n
th
e
ac
ce
p
tan
ce
o
f
e
-
b
a
n
k
in
g
[
36
]
.
Hen
ce
,
t
h
e
f
o
llo
win
g
h
y
p
o
th
esis
was p
r
o
p
o
s
ed
.
Hy
p
o
th
esis
7
:
T
h
er
e
was a
p
o
s
itiv
e
r
elatio
n
s
h
ip
b
etwe
en
p
er
ce
iv
ed
ea
s
e
o
f
u
s
e
an
d
e
-
b
an
k
i
n
g
I
n
f
r
as
tr
u
ctu
r
es.
Hy
p
o
th
esis
8
:
T
h
er
e
was a
p
o
s
itiv
e
r
elatio
n
s
h
ip
b
etwe
en
p
er
ce
iv
ed
u
s
ef
u
ln
ess
an
d
e
-
b
an
k
i
n
g
I
n
f
r
astru
ctu
r
es.
3
.
2
.
6
.
B
a
nk
re
pu
t
a
t
io
n
T
h
e
B
an
k
'
s
r
ep
u
tatio
n
p
lay
s
a
v
er
y
im
p
o
r
tan
t
r
o
le
in
ac
ce
p
tin
g
cu
s
to
m
e
r
s
to
d
ea
l
with
th
e
B
an
k
[
37
]
.
On
th
e
o
th
er
h
a
n
d
,
if
th
e
e
-
b
an
k
in
g
s
y
s
tem
h
as
an
ex
ce
lle
n
t
r
ep
u
tatio
n
will
h
av
e
a
p
o
s
itiv
e
im
p
ac
t
o
n
th
e
ac
ce
p
tan
ce
o
f
e
-
b
an
k
in
g
.
Hen
ce
,
th
e
f
o
llo
win
g
h
y
p
o
th
eses
wer
e
p
r
o
p
o
s
ed
.
Hy
p
o
th
esis
9
:
T
h
er
e
was a
p
o
s
itiv
e
r
elatio
n
s
h
ip
b
etwe
en
p
er
ce
iv
ed
ea
s
e
o
f
u
s
e
an
d
b
a
n
k
r
e
p
u
tatio
n
.
Hy
p
o
th
esis
1
0
:
T
h
er
e
was a
p
o
s
itiv
e
r
elatio
n
s
h
ip
b
etwe
en
p
er
ce
iv
ed
u
s
ef
u
l
n
ess
an
d
b
an
k
r
ep
u
tatio
n
.
3
.
2
.
7
.
Sy
s
t
em
inte
rf
a
ce
us
a
bil
it
y
Acc
o
r
d
in
g
to
[
38
,
39
]
,
th
e
u
s
a
b
ilit
y
o
f
e
-
b
a
n
k
in
g
d
eter
m
in
es
its
ea
s
e
o
f
u
s
e
an
d
u
s
ef
u
ln
ess
,
later
th
e
u
s
ab
ilit
y
u
s
e
to
d
eter
m
in
es th
e
d
eg
r
ee
o
f
u
s
er
s
atis
f
ac
tio
n
.
B
esid
es,
[
40
]
r
ep
o
r
ts
th
at
th
e
u
s
ab
ilit
y
o
f
e
-
b
a
n
k
in
g
s
er
v
ices
h
as
a
p
o
s
itiv
e
im
p
ac
t
o
n
th
e
p
er
ce
iv
ed
ea
s
e
o
f
u
s
e
an
d
p
er
ce
iv
ed
u
s
ef
u
l
n
ess
.
I
n
th
is
s
en
s
e,
th
e
f
o
llo
win
g
h
y
p
o
th
esis
was p
r
o
p
o
s
ed
:
Hy
p
o
th
e
s
is
1
1
:
Usab
ilit
y
to
t
h
e
e
-
b
a
n
k
in
g
s
er
v
ice
h
as
a
p
o
s
itiv
e
im
p
ac
t
in
d
eter
m
in
es
th
e
u
s
ef
u
ln
ess
o
f
th
e
s
er
v
ice.
Hy
p
o
th
esis
1
2
:
Usab
ilit
y
to
t
h
e
e
-
b
an
k
in
g
s
er
v
ice
h
as
a
p
o
s
itiv
e
im
p
ac
t
in
d
eter
m
i
n
es
th
e
ea
s
e
o
f
u
s
e
o
f
th
e
s
er
v
ice.
3
.
2
.
8
.
T
he
s
y
s
t
em
s
er
v
ice
s
R
ec
o
g
n
izin
g
th
e
co
r
r
elatio
n
wi
th
in
u
s
er
I
n
ter
ac
tio
n
s
a
n
d
e
-
b
a
n
k
in
g
s
er
v
ices
will
b
e
u
s
ef
u
l
f
o
r
e
-
b
an
k
s
in
p
r
o
v
id
in
g
m
o
r
e
tr
u
s
two
r
th
y
s
er
v
ice
[
41
]
.
I
n
t
h
e
s
am
e
asp
e
ct,
e
-
b
an
k
in
g
s
er
v
ices
also
p
la
y
a
v
e
r
y
im
p
o
r
ta
n
t
r
o
le
in
cu
s
to
m
er
in
ter
ac
tio
n
with
b
an
k
s
.
T
h
e
d
iv
er
s
ity
o
f
s
er
v
ices
will
ce
r
tain
ly
h
av
e
a
p
o
s
itiv
e
im
p
ac
t
o
n
in
cr
ea
s
in
g
u
s
er
s
atis
f
ac
tio
n
.
I
n
th
is
s
en
s
e,
th
e
f
o
llo
win
g
h
y
p
o
th
esis
was p
r
o
p
o
s
ed
:
Hy
p
o
th
esis
1
3
:
E
-
b
a
n
k
in
g
s
er
v
ice
h
as a
p
o
s
itiv
e
im
p
ac
t
o
n
d
eter
m
in
es th
e
u
s
ef
u
l
n
ess
o
f
th
e
s
er
v
ice.
Hy
p
o
th
esis
1
4
:
E
-
b
a
n
k
in
g
s
er
v
ices h
av
e
a
p
o
s
itiv
e
im
p
ac
t o
n
d
eter
m
in
es th
e
ea
s
e
o
f
u
s
e
o
f
th
e
s
er
v
ice.
I
n
ad
d
itio
n
,
two
ex
t
r
a
h
y
p
o
th
e
s
es h
av
e
p
r
o
p
o
s
ed
th
at
ar
e:
Hy
p
o
th
esis
1
5
:
T
h
er
e
was a
p
o
s
itiv
e
r
elatio
n
s
h
ip
b
etwe
en
C
T
an
d
co
n
s
u
m
er
in
te
n
tio
n
in
u
s
in
g
e
-
b
an
k
i
n
g
.
Hy
p
o
th
esis
1
6
:
T
h
er
e
was a
p
o
s
itiv
e
r
elatio
n
s
h
ip
b
etwe
en
E
S a
n
d
co
n
s
u
m
e
r
in
ten
tio
n
in
u
s
in
g
e
-
b
an
k
i
n
g
.
I
n
lin
e
with
th
e
a
b
o
v
e.
Fig
u
r
e
3
v
is
u
alize
th
e
ex
ten
d
in
g
T
A
M
m
o
d
el
an
d
r
elev
a
n
t h
y
p
o
th
e
s
is
.
Pe
rc
e
i
v
e
d
U
s
e
fu
l
n
e
s
s
(
PU
)
Pe
rc
e
i
v
e
d
Ea
s
e
O
f
U
s
e
(
PEU
)
A
t
t
i
t
u
d
e
T
o
w
a
rds
T
e
c
hno
l
o
g
y
(
AT
)
B
e
h
a
v
i
o
ra
l
Int
e
n
t
i
o
n
T
o
U
s
e
(
BI
)
E
-
ba
nk
i
ng
Sy
s
t
e
m
C
us
t
o
m
e
r
T
rus
t
(
CT
)
Sy
s
t
e
m
Infra
s
t
ru
c
t
u
re
s
(
SI
)
B
a
nk
R
e
pu
t
a
t
i
o
n
(
BR
)
N
O
N
-
IC
T
Sy
s
t
e
m
Int
e
rf
a
c
e
U
s
a
b
i
l
i
t
y
(
SIU
)
E
-
b
a
n
k
i
n
g
Se
rv
i
c
e
s
(
ES
)
H
y
pot
h
e
s
i
s
4
,
6
,
8
,
10
,
11
,
13
O
b
j
e
c
t
i
v
e
s
1
,
3
,
5
,
7
,
11
,
13
H
y
po
t
h
e
s
i
s
3
.
5
.
7
.
9
.
12
.
14
O
b
j
e
c
t
i
v
e
s
2
,
4
,
6
,
8
,
12
,
14
H
y
pot
h
e
s
i
s
9
H
y
po
t
h
e
s
i
s
1
H
y
pot
h
e
s
i
s
2
H
y
pot
h
e
s
i
s
10
O
bj
e
c
t
i
v
e
10
O
bj
e
c
t
i
v
e
9
Fig
u
r
e
3
.
T
h
e
e
x
ten
d
in
g
T
AM
m
o
d
el
an
d
r
elev
a
n
t h
y
p
o
th
esi
s
Evaluation Warning : The document was created with Spire.PDF for Python.
I
SS
N
:
1
6
9
3
-
6
9
3
0
T
E
L
KOM
NI
KA
T
elec
o
m
m
u
n
C
o
m
p
u
t E
l Co
n
tr
o
l
,
Vo
l.
19
,
No
.
2
,
Ap
r
il 2
0
2
1
:
4
2
1
-
431
426
4.
RE
S
E
ARCH
M
E
T
H
O
DO
L
O
G
Y
T
h
is
s
ec
tio
n
co
m
p
r
is
es
a
s
y
s
te
m
atic
p
r
o
ce
s
s
f
r
o
m
th
e
b
eg
in
n
i
n
g
to
en
d
o
n
h
o
w
th
e
r
esear
ch
o
b
jectiv
es
h
av
e
ac
h
iev
e
d
.
I
t
d
escr
ib
es
th
e
m
eth
o
d
o
l
o
g
ical
p
h
ases
an
d
t
h
e
r
esear
ch
d
esig
n
u
s
ed
in
th
i
s
s
tu
d
y
.
I
t
d
is
cu
s
s
es
th
e
r
esear
ch
p
r
o
ce
s
s
es
in
h
o
lis
tic,
an
d
p
r
esen
ts
all
th
e
m
eth
o
d
s
u
s
ed
in
ac
h
iev
in
g
t
h
e
s
tated
o
b
jectiv
es.
T
h
e
co
r
r
esp
o
n
d
in
g
s
tep
s
tak
en
to
a
cc
o
m
p
lis
h
ea
ch
o
f
t
h
e
p
h
ases
in
th
e
r
esear
ch
m
eth
o
d
o
lo
g
y
,
a
s
ad
ap
ted
,
ar
e
also
ex
p
lain
ed
.
4
.
1
.
O
v
er
v
iew
o
f
t
he
pro
po
s
ed
m
o
del
As
m
en
tio
n
ed
ab
o
v
e,
th
e
ex
ten
d
ed
m
o
d
el
in
th
is
s
tu
d
y
is
b
ased
o
n
th
e
T
AM
m
o
d
el
to
d
em
o
n
s
tr
ate
th
e
in
ten
tio
n
to
u
s
e
e
-
b
an
k
i
n
g
i
n
I
r
aq
.
C
o
n
s
eq
u
en
tly
,
th
e
e
x
ter
n
al
v
ar
ia
b
les
was
p
r
o
p
o
s
ed
an
d
test
ed
.
T
h
e
in
s
tr
u
m
en
t
u
s
ed
in
t
h
is
s
tu
d
y
w
as
d
ev
elo
p
e
d
;
th
en
,
v
alid
ity
an
d
r
eliab
ilit
y
o
f
t
h
e
d
e
v
elo
p
ed
i
n
s
tr
u
m
en
t
test
wer
e
co
n
d
u
cte
d
.
Fin
ally
,
th
e
h
y
p
o
th
esis
was p
r
o
p
o
s
ed
an
d
test
ed
.
4
.
2
.
I
ns
t
rum
ent
dev
elo
pm
ent
a
nd
pro
ce
du
re
T
h
e
m
ain
tech
n
iq
u
e
u
tili
ze
d
in
th
is
s
tu
d
y
is
a
q
u
esti
o
n
n
ai
r
e.
I
t
is
a
b
r
o
a
d
ly
ag
r
ee
ab
le
an
d
u
s
ef
u
l
in
s
tr
u
m
en
t
in
co
llec
tin
g
s
u
r
v
ey
d
ata,
p
r
o
v
id
in
g
s
tr
u
ctu
r
ed
n
u
m
er
ical
d
ata,
a
n
d
ca
n
b
e
d
ir
ec
ted
with
o
u
t
th
e
p
r
esen
ce
o
f
th
e
r
esear
ch
er
[
42
,
43
]
.
T
h
e
d
ev
el
o
p
ed
in
s
tr
u
m
e
n
t
(
q
u
esti
o
n
n
air
e)
co
n
tain
ed
s
ix
d
im
en
s
io
n
s
an
d
3
6
item
s
s
p
r
ea
d
o
n
th
o
s
e
d
im
e
n
s
io
n
s
.
C
lo
s
e
-
en
d
ed
q
u
esti
o
n
s
th
at
wer
e
test
ed
an
d
tr
an
s
lated
in
to
th
e
Ar
a
b
ic
lan
g
u
ag
e
as
t
h
e
p
ar
ticip
a
n
ts
ar
e
f
r
o
m
I
r
a
q
.
B
esid
es,
it
h
as
d
iv
id
ed
in
to
two
s
u
b
-
s
ec
tio
n
s
.
T
h
e
f
ir
s
t
s
ec
tio
n
me
asu
r
es
s
ix
-
co
r
e
co
n
s
tr
u
cts u
s
in
g
a
f
iv
e
-
p
o
in
t
L
ik
er
t
s
ca
le
r
an
g
in
g
f
r
o
m
(
1
)
s
tr
o
n
g
ly
d
is
ag
r
ee
to
(
5
)
s
tr
o
n
g
l
y
ag
r
ee
.
W
h
ile
th
e
s
ec
o
n
d
s
ec
t
io
n
co
v
er
s
th
e
d
em
o
g
r
ap
h
ic
p
r
o
f
ile
o
f
th
e
p
ar
ticip
a
n
ts
.
T
ab
le
2
p
r
esen
ts
th
e
v
ar
iab
les,
item
s
,
an
d
th
e
r
esp
e
ctiv
e
r
ef
e
r
en
ce
s
.
T
ab
le
2
.
T
h
e
Mo
d
el
v
ar
iab
les,
item
s
,
an
d
s
u
p
p
o
r
tin
g
r
ef
er
e
n
ce
s
TA
M
E
x
t
e
r
n
a
l
V
a
r
i
a
b
l
e
s
R
e
l
e
v
a
n
t
I
t
e
ms
N
u
m
b
e
r
s
S
u
p
p
o
r
t
i
n
g
R
e
f
e
r
e
n
c
e
s
C
u
s
t
o
mer Tr
u
st
(
C
T)
6
I
t
e
ms
[
1
]
,
[
1
0
]
E
-
b
a
n
k
i
n
g
S
e
r
v
i
c
e
s (ES
)
6
I
t
e
ms
[2
-
5]
S
y
st
e
m I
n
t
e
r
f
a
c
e
U
s
a
b
i
l
i
t
y
(
S
I
U
)
6
I
t
e
ms
[
8
]
,
[
1
8
]
,
[
2
0
]
N
o
n
-
I
C
T
6
I
t
e
ms
[5
-
6]
S
y
st
e
m I
n
f
r
a
st
r
u
c
t
u
r
e
(
S
I
)
6
I
t
e
ms
[
1
1
]
B
a
n
k
R
e
p
u
t
a
t
i
o
n
(
R
P
)
6
I
t
e
ms
[
1
8
]
4
.
3
.
Sa
m
ple
s
elec
t
io
n
I
n
th
e
co
n
tex
t
o
f
th
is
s
tu
d
y
,
two
ty
p
es
o
f
t
h
e
s
elec
ted
s
a
m
p
le:
th
e
f
ir
s
t
o
n
e
was
b
a
n
k
cu
s
to
m
er
s
esp
ec
ially
(
ac
ad
em
ic
s
taf
f
)
;
w
h
o
h
av
e
a
b
an
k
ac
co
u
n
t
at
an
y
b
an
k
th
at
p
r
o
v
id
es
e
-
b
an
k
i
n
g
s
er
v
ices
in
I
r
aq
.
W
h
ile
th
e
s
ec
o
n
d
ty
p
e
was
th
e
b
an
k
s
taf
f
,
also
at
an
y
b
an
k
th
at
p
r
o
v
i
d
es
e
-
b
an
k
in
g
s
er
v
ic
es.
T
h
e
in
s
tr
u
m
en
t
h
as
s
p
r
ea
d
o
v
er
1
0
0
p
ar
ticip
an
ts
(
b
an
k
cu
s
to
m
er
s
)
an
d
1
0
0
p
ar
ticip
an
ts
(
b
an
k
s
taf
f
)
.
I
n
co
m
p
lete
an
d
/o
r
d
u
p
licated
s
u
r
v
ey
s
h
av
e
d
is
ca
r
d
ed
.
Acc
o
r
d
i
n
g
ly
,
1
9
6
u
s
ab
le
q
u
esti
o
n
n
air
es,
a
9
8
%
r
esp
o
n
s
e.
SP
S
S
v
.
2
5
h
as
u
s
ed
as
an
an
aly
s
is
s
o
f
twar
e
t
o
an
aly
ze
th
e
co
llected
d
ata.
T
ab
le
3
v
is
u
alize
th
e
d
em
o
g
r
a
p
h
ic
in
f
o
r
m
atio
n
o
f
th
e
p
ar
ticip
an
ts
.
T
ab
le
3
.
Dem
o
g
r
ap
h
ic
in
f
o
r
m
atio
n
o
f
p
ar
ticip
an
ts
C
a
t
e
g
o
r
y
R
e
l
e
v
a
n
t
I
t
e
ms
N
u
m
b
e
r
s
S
u
p
p
o
r
t
i
n
g
R
e
f
e
r
e
n
c
e
s
P
e
r
c
e
n
t
a
g
e
%
1
G
e
n
d
e
r
F
e
mal
e
1
2
7
6
3
.
5
%
M
a
l
e
73
3
6
.
5
%
To
t
a
l
2
0
0
1
0
0
%
2
Q
u
a
l
i
f
i
c
a
t
i
o
n
l
e
v
e
l
P
h
D
75
3
7
.
5
%
M
S
c
75
3
7
.
5
%
B
S
c
50
2
5
%
T
o
t
a
l
2
0
0
1
0
0
%
4
.
4
.
Va
lid
it
y
a
nd
re
lia
bil
it
y
o
f
t
he
ins
t
rum
ent
I
n
ter
m
s
o
f
in
s
tr
u
m
en
t
v
alid
ity
,
co
n
ten
t
v
alid
ity
was
co
n
d
u
cte
d
v
ia
ex
p
er
t
r
ev
iews;
wh
er
e
s
ev
en
ex
p
er
t
r
ev
iewe
r
s
f
r
o
m
b
o
th
lo
ca
l
an
d
in
ter
n
atio
n
al
h
av
e
ask
ed
to
v
alid
ate
th
e
d
ev
elo
p
ed
in
s
tr
u
m
en
t
in
ter
m
s
o
f
r
elev
an
cy
an
d
u
n
d
er
s
tan
d
i
n
g
o
f
th
e
ter
m
in
o
lo
g
y
u
s
ed
.
B
ased
o
n
th
e
p
o
s
itiv
e
r
esp
o
n
s
e
b
y
th
e
ex
p
er
ts
,
th
e
in
s
tr
u
m
en
t
v
alid
atio
n
was
f
u
lf
illi
n
g
.
I
n
ter
m
s
o
f
r
eliab
ilit
y
,
C
r
o
n
b
ac
h
'
s
Alp
h
as
(
α
)
test
wa
s
co
n
d
u
cte
d
to
test
th
e
r
eliab
ilit
y
o
f
th
e
d
e
v
elo
p
e
d
in
s
tr
u
m
en
t
an
d
s
et
(
α
>=
0
.
7
)
t
o
b
e
s
ig
n
if
ica
n
t
as
s
u
g
g
e
s
ted
i
n
[
44
]
.
B
esid
es,
th
e
f
ac
to
r
a
n
aly
s
is
test
was
co
n
d
u
cted
to
en
s
u
r
e
th
at
t
h
e
d
e
g
r
ee
o
f
im
p
o
r
tan
ce
o
f
ea
ch
ite
m
in
t
h
e
d
esig
n
ed
Evaluation Warning : The document was created with Spire.PDF for Python.
T
E
L
KOM
NI
KA
T
elec
o
m
m
u
n
C
o
m
p
u
t E
l Co
n
tr
o
l
Dete
r
min
a
n
ts
o
f c
u
s
to
mer a
cc
ep
ta
n
ce
o
f
e
-
b
a
n
kin
g
in
I
r
a
q
u
s
in
g
… (
A
ya
d
H
a
mee
d
Mo
u
s
a
)
427
in
s
tr
u
m
en
t
as
s
u
g
g
ested
b
y
[
45
,
46
]
.
T
h
u
s
,
th
e
f
ac
t
o
r
a
n
aly
s
is
test
was
r
u
n
an
d
g
u
id
ed
f
o
r
a
cc
ep
tin
g
ea
c
h
item
b
ased
o
n
u
tili
zin
g
Kaiser
-
Me
y
er
-
Olk
in
(
KM
O)
[
47
]
.
T
h
e
o
u
tco
m
e
s
h
o
ws
th
e
le
v
el
o
f
r
eliab
ilit
y
is
ab
o
v
e
0
.
7
f
o
r
all
m
ea
s
u
r
es a
s
s
h
o
wn
in
T
ab
le
4
.
T
ab
le
4
.
T
h
e
r
eliab
ilit
y
an
aly
s
is
r
esu
lt
Ex
t
e
r
n
a
l
V
a
r
i
a
b
l
e
s
C
r
o
n
b
a
c
h
’
s Al
p
h
a
Te
s
t
K
M
O
1
C
u
s
t
o
mer Tr
u
st
(
C
T)
0
.
8
6
0
0
.
7
1
0
2
E
-
b
a
n
k
i
n
g
S
e
r
v
i
c
e
s (ES
)
0
.
7
4
0
0
.
7
8
0
3
S
y
st
e
m I
n
t
e
r
f
a
c
e
U
s
a
b
i
l
i
t
y
(
S
I
U
)
0
.
7
9
0
0
.
7
3
0
4
N
o
n
-
I
C
T
0
.
7
9
0
0
.
6
5
0
5
S
y
st
e
m
I
n
f
r
a
st
r
u
c
t
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r
e
(
S
I
)
0
.
8
3
0
0
.
8
2
0
6
B
a
n
k
R
e
p
u
t
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n
(
R
P
)
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.
8
2
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0
.
7
4
4
O
v
e
r
a
l
l
A
v
e
r
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g
e
0
.
8
0
5
0
.
7
3
9
Mo
r
eo
v
er
,
in
u
n
d
er
s
tan
d
in
g
d
ata
an
d
p
r
esen
t
it in
a
m
ea
n
in
g
f
u
l m
an
n
er
th
e
d
escr
ip
tiv
e
s
tat
is
tics
h
av
e
co
n
d
u
cte
d
.
Fo
r
s
ec
u
r
e
ac
cu
r
ac
y
an
d
co
n
s
is
ten
cy
,
th
e
test
o
f
th
e
r
eliab
ilit
y
h
as
co
n
d
u
cted
.
T
h
e
m
ain
test
s
h
av
e
ca
r
r
ied
o
u
t
ar
e
th
e
co
m
p
o
s
ite
r
eliab
ilit
y
(
α
)
a
n
d
t
h
e
v
a
r
ian
ce
-
ex
tr
ac
ted
m
ea
s
u
r
e
(
ρ
)
.
T
h
e
m
ajo
r
ity
o
f
q
u
esti
o
n
n
air
e
item
s
a
r
e
v
alid
a
n
d
ca
n
u
s
ed
to
test
th
e
c
o
r
r
esp
o
n
d
in
g
v
a
r
iab
les.
As
s
tated
ea
r
lier
,
f
ac
to
r
lo
ad
in
g
s
≥
0
.
7
0
ar
e
co
n
s
id
er
e
d
p
r
ac
tically
s
ig
n
if
ican
t
a
n
d
well
-
d
ef
in
e
d
s
tr
u
ctu
r
es
[
48
,
49
]
.
Hen
ce
,
t
h
is
s
tu
d
y
u
s
ed
s
ca
le
lo
ad
in
g
v
alu
e
>
=
0
.
7
.
T
o
e
x
a
m
in
e
th
e
s
im
p
le
b
iv
ar
iate
r
elatio
n
s
h
ip
s
am
o
n
g
v
ar
iab
les i
n
th
e
m
o
d
el
,
th
e
g
e
n
er
al
s
tr
u
ctu
r
al
m
o
d
el
h
as
u
tili
ze
d
as
well
as
all
h
y
p
o
th
eses
h
av
e
e
x
am
in
ed
with
in
th
e
co
n
tex
t
o
f
t
h
e
s
tr
u
ctu
r
al
m
o
d
el.
T
h
e
ju
s
tific
atio
n
o
f
th
is
is
to
o
b
tain
th
e
in
ter
p
r
etatio
n
o
f
t
h
e
o
u
tco
m
es
d
u
e
t
o
a
r
elatio
n
s
h
ip
b
etwe
en
two
v
ar
iab
les
th
at
b
e
ex
am
in
ed
wh
ile
k
ee
p
in
g
th
e
o
th
er
v
a
r
iab
les
in
th
e
m
o
d
el.
Fu
r
th
er
m
o
r
e,
th
e
o
n
e
-
way
ANOV
A
test
was
co
n
d
u
cted
b
etwe
en
th
e
p
ar
ticip
an
t’
s
ag
e
a
n
d
th
eir
in
f
lu
en
ce
s
o
n
th
e
u
s
e
o
f
e
-
b
an
k
i
n
g
.
T
h
u
s
,
th
e
s
elec
ted
s
am
p
le
was
cla
s
s
if
ied
in
to
s
ev
er
al
s
ets
b
ased
o
n
th
e
p
ar
t
icip
an
ts
'
ag
e.
Nex
t,
th
e
d
escr
ip
tiv
e
s
tatis
tic
h
as
co
n
d
u
cte
d
as we
ll a
s
P
-
v
alu
e
was c
alcu
lated
.
As cle
ar
ly
v
is
u
alize
d
in
T
ab
le
5
.
T
ab
le
5
.
On
e
-
W
ay
ANOV
A
T
est 1
A
g
e
G
r
o
u
p
(
Y
e
a
r
s)
N
o
.
o
f
P
a
r
t
i
c
i
p
a
n
t
s
M
e
a
n
S
T
D
.
D
e
v
i
a
t
i
o
n
1
3
0
o
r
b
e
l
o
w
30
6
.
8
7
9
1
0
.
7
7
2
1
2
31
-
35
45
6
.
6
5
8
7
0
.
9
7
2
2
3
36
-
40
60
6
.
3
2
1
4
0
.
8
9
0
4
4
41
-
45
35
6
.
5
3
1
2
0
.
9
7
1
2
5
4
6
a
n
d
A
b
o
v
e
30
6
.
1
7
2
4
1
.
8
7
4
1
To
t
a
l
2
0
0
6
.
4
5
0
5
0
.
9
0
4
5
P
-
v
a
l
u
e
0
.
9
0
2
0
T
h
e
f
in
d
in
g
s
in
T
ab
le
6
s
h
o
w
th
at
th
er
e
is
n
o
in
f
lu
en
ce
b
etwe
en
th
e
p
ar
ticip
an
t’
s
ag
e
an
d
th
eir
ac
ce
p
tan
ce
to
ad
o
p
t
e
-
b
a
n
k
in
g
.
Sin
ce
th
e
P
-
v
alu
e
o
f
0
.
9
0
2
0
is
g
r
ea
ter
th
an
th
e
p
r
etest
lev
el
o
f
s
ig
n
if
ican
ce
(
P=0
.
8
2
5
>
0
.
0
5
)
.
B
esid
es,
a
n
ew
class
if
icatio
n
o
f
p
ar
ticip
a
n
ts
s
am
p
le
was
co
n
d
u
cted
b
a
s
ed
o
n
th
eir
wo
r
k
ex
p
er
ien
ce
with
e
-
b
a
n
k
in
g
.
(
No
wo
r
k
ex
p
e
r
ien
ce
L
0
,
n
ew
in
e
-
b
an
k
i
n
g
L
1
,
less
th
an
f
iv
e
y
ea
r
s
in
e
-
b
an
k
i
n
g
L
2
,
an
d
less
th
an
1
0
y
e
ar
s
in
e
-
b
an
k
in
g
L
3
.
th
e
n
th
e
d
escr
i
p
tiv
e
s
tatis
tic
(
ca
lcu
late
m
ea
n
an
d
s
t
d
.
d
ev
iatio
n
)
was c
o
n
d
u
cted
as we
ll a
s
P
-
v
a
lu
e
was c
alcu
lated
.
As cle
ar
ly
s
h
o
wn
in
T
ab
le
6
.
T
h
e
co
n
s
eq
u
e
n
ce
s
in
T
ab
le
6
s
h
o
w
th
at
th
er
e
is
n
o
in
f
l
u
en
c
e
b
etwe
en
wo
r
k
e
x
p
er
ien
ce
p
ar
ticip
an
ts
an
d
ad
o
p
t
a
n
e
-
b
an
k
i
n
g
s
y
s
te
m
.
Sin
ce
th
e
p
-
v
alu
e
o
f
0
.
9
0
2
1
is
g
r
ea
t
er
th
an
th
e
p
r
etest
le
v
el
o
f
s
ig
n
if
ican
ce
(
p
=0
.
8
2
5
>
0
.
0
5
)
.
T
h
e
d
is
cr
i
m
in
an
t
v
alid
ity
o
f
th
e
m
o
d
el
v
ar
iab
les
h
as
e
v
alu
ated
as
s
u
g
g
ested
b
y
[
4
4
]
.
He
p
r
o
p
o
s
ed
an
ap
p
r
o
ac
h
th
at
co
n
d
u
cts
a
c
o
m
p
a
r
is
o
n
am
o
n
g
t
h
e
s
q
u
ar
e
r
o
o
t
o
f
th
e
av
e
r
ag
e
v
ar
ian
ce
ex
tr
ac
ted
(A
VE
)
f
o
r
th
e
m
o
d
el
v
ar
iab
les
with
it
s
co
r
r
esp
o
n
d
in
g
co
r
r
ela
tio
n
v
alu
es.
As
in
d
icate
d
in
T
a
b
le
7
,
th
e
d
iag
o
n
al
v
alu
es m
ea
n
th
e
s
q
u
ar
e
r
o
o
ts
o
f
AVE
,
wh
ich
ar
e
h
ig
h
co
m
p
ar
ed
to
th
e
v
alu
es in
th
eir
co
r
r
esp
o
n
d
in
g
r
o
ws an
d
co
lu
m
n
s
th
at
r
ef
lect
t
h
e
s
atis
f
ac
to
r
y
le
v
el
o
f
d
is
cr
im
in
an
t
v
al
id
ity
.
T
ab
le
6
.
On
e
-
W
ay
ANOV
A
T
est 2
A
g
e
G
r
o
u
p
(
Y
e
a
r
s)
N
o
.
o
f
P
a
r
t
i
c
i
p
a
n
t
s
M
e
a
n
S
TD
.
D
e
v
i
a
t
i
o
n
1.
L0
20
6
.
2
4
9
1
0
.
9
1
2
2
2.
L1
80
6
.
6
6
8
7
0
.
8
2
2
1
3.
L2
30
6
.
9
5
1
4
0
.
9
3
0
3
4.
L3
70
5
.
9
8
1
0
0
.
9
7
1
4
To
t
a
l
2
0
0
6
.
2
7
0
2
0
.
9
0
4
2
p
-
v
a
l
u
e
0
.
8
9
2
1
Evaluation Warning : The document was created with Spire.PDF for Python.
I
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No
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2
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Ap
r
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0
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4
2
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-
431
428
T
ab
le
7
.
Dis
cr
im
in
an
t
v
ali
d
ity
f
o
r
ex
te
n
d
ed
v
ar
iab
les
M
o
d
e
l
V
a
r
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8
6
6
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I
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3
4
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4
5
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8
7
8
SI
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4
9
4
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3
2
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3
2
4
0
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8
6
6
BR
0
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2
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4
4
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6
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2
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4
3
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3
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4
2
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8
9
2
4
.
5
.
T
he
f
ind
ing
s
o
f
hy
po
t
hes
is
t
esting
B
U
h
as
a
p
o
s
itiv
e
in
f
lu
e
n
ce
o
n
B
I
in
u
s
in
g
e
b
a
n
k
in
g
,
th
e
s
tan
d
ar
d
p
ath
co
e
f
f
icien
ts
(
β=0
.
4
8
9
)
,
th
er
ef
o
r
e,
h
y
p
o
th
esis
H1
is
ac
ce
p
ted
.
T
h
e
in
f
l
u
en
ce
o
f
PEU
o
n
B
I
in
u
s
in
g
e
-
b
a
n
k
in
g
was f
o
u
n
d
s
ig
n
if
ican
t
at
p<
0
.
0
5
(
β=0
.
4
5
5
)
,
th
er
e
f
o
r
e
H2
was
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ce
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ted
.
A
p
o
s
itiv
e
in
f
lu
en
ce
o
f
C
T
is
o
b
s
er
v
ed
o
n
PU
(
β=0
.
4
2
3
)
,
th
er
ef
o
r
e,
h
y
p
o
th
esis
H6
is
a
cc
ep
ted
.
B
esid
es,
A
p
o
s
itiv
e
in
f
lu
en
ce
o
f
C
T
is
o
b
s
er
v
ed
o
n
PEU
(
β=0
.
4
7
1
)
,
th
er
ef
o
r
e,
h
y
p
o
th
esis
H5
is
ac
ce
p
ted
.
A
p
o
s
itiv
e
in
f
lu
en
ce
o
f
E
S
is
o
b
s
er
v
e
d
o
n
PU
(
β=0
.
4
6
2
)
,
th
e
r
ef
o
r
e
,
h
y
p
o
th
esis
H1
3
is
ac
ce
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ted
.
B
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es,
A
p
o
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ce
o
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E
S
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o
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er
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ed
o
n
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.
4
7
4
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,
th
e
r
ef
o
r
e
,
h
y
p
o
th
esis
H1
4
is
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ce
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ted
.
A
p
o
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e
in
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lu
en
ce
o
f
SUI
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o
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s
er
v
ed
o
n
PU
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.
4
1
5
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,
t
h
er
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o
r
e
,
h
y
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o
th
esis
H1
1
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ce
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ted
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es,
A
p
o
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in
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lu
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o
f
SUI
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o
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s
er
v
ed
o
n
PEU
(
β=0
.
3
9
9
)
,
th
er
e
f
o
r
e,
h
y
p
o
th
e
s
is
H1
2
is
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ce
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ted
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o
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e
n
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e
o
f
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o
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s
er
v
ed
o
n
PU
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β=0
.
4
0
4
)
,
th
er
ef
o
r
e,
h
y
p
o
th
es
is
H8
is
ac
ce
p
ted
.
B
esid
es,
A
p
o
s
itiv
e
in
f
lu
en
ce
o
f
SI
is
o
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s
er
v
e
d
o
n
PEU
(
β=0
.
4
2
9
)
,
th
er
e
f
o
r
e,
h
y
p
o
th
esis
H7
is
ac
ce
p
ted
.
A
p
o
s
itiv
e
in
f
lu
en
ce
o
f
B
R
is
o
b
s
er
v
ed
o
n
PU
(
β=0
.
4
6
2
)
,
th
er
ef
o
r
e,
h
y
p
o
th
esis
H1
0
is
ac
ce
p
ted
.
B
esid
es,
A
p
o
s
itiv
e
in
f
lu
e
n
ce
o
f
B
R
is
o
b
s
er
v
ed
o
n
PEU
(
β=0
.
4
8
2
)
,
t
h
er
ef
o
r
e
,
h
y
p
o
th
esis
H9
is
ac
ce
p
ted
.
A
p
o
s
itiv
e
in
f
lu
en
ce
o
f
No
n
-
I
C
T
is
o
b
s
er
v
ed
o
n
PU
(
β=0
.
4
1
3
)
,
th
er
ef
o
r
e,
h
y
p
o
th
esis
H4
is
ac
ce
p
ted
.
B
esid
es,
A
p
o
s
itiv
e
in
f
lu
en
ce
o
f
No
n
-
I
C
T
is
o
b
s
er
v
ed
o
n
PEU
(
β=0
.
4
7
4
)
,
th
er
ef
o
r
e,
h
y
p
o
t
h
esis
H3
is
ac
ce
p
ted
.
A
p
o
s
itiv
e
in
f
lu
en
ce
o
f
C
T
is
o
b
s
er
v
ed
o
n
PU
(
β=0
.
4
2
3
)
,
th
er
ef
o
r
e,
h
y
p
o
th
esis
H
1
5
is
ac
ce
p
ted
.
B
esid
es,
A
p
o
s
itiv
e
in
f
lu
e
n
ce
o
f
E
S
is
o
b
s
er
v
ed
o
n
PEU
(
β=0
.
4
9
9
)
,
th
er
ef
o
r
e,
h
y
p
o
th
esis
H1
6
is
ac
ce
p
ted
.
4
.
6
.
Dis
cus
s
io
n o
f
t
he
re
s
ults
T
h
e
co
r
e
aim
o
f
t
h
is
p
ap
er
h
as
in
v
esti
g
ated
an
d
id
en
tifi
ed
th
e
d
eter
m
in
a
n
ts
o
f
th
e
a
d
o
p
tio
n
o
f
e
-
b
an
k
in
g
in
I
r
a
q
b
y
p
r
o
p
o
s
in
g
th
e
in
f
lu
en
cin
g
f
ac
to
r
s
an
d
to
ex
p
o
s
e
th
e
r
elatio
n
s
h
ip
b
et
wee
n
th
o
s
e
f
ac
to
r
s
.
An
ex
ten
s
io
n
o
f
T
AM
h
as
u
s
e
d
with
s
ix
ex
ter
n
al
v
ar
i
ab
les
(
c
u
s
to
m
er
tr
u
s
t,
e
-
b
an
k
in
g
s
er
v
ices,
s
y
s
tem
in
ter
f
ac
e
u
s
ab
ilit
y
,
n
o
n
-
I
C
T
,
s
y
s
tem
in
f
r
astru
ctu
r
e,
an
d
b
an
k
r
ep
u
tatio
n
)
.
T
h
e
r
esu
lts
in
d
icate
th
at
th
e
p
r
o
p
o
s
ed
d
eter
m
in
an
ts
to
a
d
o
p
t
e
-
b
an
k
in
g
is
h
ig
h
l
y
in
f
l
u
en
ce
d
b
y
t
h
eir
PU a
n
d
PEU
as we
ll a
s
h
ig
h
l
y
i
n
f
lu
e
n
ce
d
b
y
B
I
.
C
o
n
s
eq
u
en
tly
,
it
ca
n
b
e
in
d
i
ca
ted
f
r
o
m
th
e
r
esu
lts
ab
o
v
e
,
b
y
o
v
er
c
o
m
in
g
th
e
d
eter
m
in
an
ts
h
av
e
f
ac
in
g
e
-
b
an
k
in
g
in
I
r
aq
will h
av
e
a
p
o
s
itiv
e
im
p
ac
t o
n
u
s
er
s
atis
f
ac
tio
n
o
n
a
d
o
p
tin
g
e
-
b
a
n
k
in
g
.
5.
CO
NCLU
SI
O
N
AND
F
U
T
U
RE
DIR
E
C
T
I
O
N
E
lectr
o
n
ic
b
an
k
in
g
(
e
-
b
an
k
in
g
)
is
a
f
o
r
m
o
f
b
an
k
in
g
in
wh
ich
f
u
n
d
s
ar
e
tr
a
n
s
f
er
r
ed
as
al
o
n
g
to
th
e
tr
ad
itio
n
al
b
an
k
in
g
p
r
o
ce
s
s
as th
e
ex
ch
an
g
e
o
f
ca
s
h
,
c
h
ec
k
s
,
o
r
o
th
e
r
ty
p
es
o
f
p
a
p
er
d
o
cu
m
en
ts
.
Ho
wev
er
,
th
e
d
eter
m
in
an
ts
o
f
e
-
b
a
n
k
in
g
s
er
v
ices
n
ee
d
to
in
v
esti
g
ate
in
o
r
d
er
to
d
ete
r
m
in
e
an
d
u
n
d
e
r
s
tan
d
th
e
v
ar
iab
les
af
f
ec
tin
g
th
e
r
ate
o
f
s
u
c
h
ad
o
p
tio
n
.
C
o
n
s
eq
u
en
tly
,
th
e
m
ai
n
aim
o
f
th
is
s
tu
d
y
is
to
id
en
tify
th
e
d
eter
m
in
an
ts
o
f
e
-
b
an
k
in
g
s
er
v
ices in
I
r
aq
.
T
h
e
m
o
d
el,
wh
ic
h
tack
le
o
u
t th
o
s
e
d
eter
m
in
an
ts
,
was p
r
o
p
o
s
ed
an
d
ev
alu
ate
d
.
T
h
e
m
ea
s
u
r
in
g
o
f
th
e
p
r
o
p
o
s
ed
m
o
d
el
v
ar
iab
les
v
ia
tech
n
o
l
o
g
y
ac
ce
p
tan
ce
m
o
d
el
(
T
AM
)
d
u
e
to
it
is
an
in
f
o
r
m
atio
n
s
y
s
tem
s
th
eo
r
y
th
at
m
o
d
els
h
o
w
u
s
er
s
co
m
e
to
ac
ce
p
t
a
n
d
u
s
e
a
tech
n
o
lo
g
y
.
Six
teen
h
y
p
o
th
eses
was
p
r
o
p
o
s
ed
an
d
test
ed
.
Fin
ally
,
th
is
s
tu
d
y
was
ac
h
iev
ed
r
esear
ch
o
b
jectiv
e
an
d
th
e
au
t
h
o
r
s
co
n
f
ir
m
ed
th
e
s
u
cc
ess
f
u
lly
ad
o
p
tio
n
e
-
b
an
k
in
g
in
I
r
aq
ca
n
b
e
d
o
n
e
b
y
a
v
o
id
in
g
a
n
d
co
n
tr
o
l
th
e
all
o
f
t
h
e
p
r
o
p
o
s
ed
m
o
d
el
v
ar
iab
les.
T
h
e
f
u
tu
r
e
d
ir
ec
ti
o
n
o
f
th
is
r
esear
ch
is
t
o
co
n
tin
u
e
m
ea
s
u
r
in
g
th
e
u
s
er
ac
ce
p
ta
n
ce
o
f
e
-
b
an
k
in
g
in
d
if
f
er
en
t p
er
s
p
ec
tiv
es (
cu
s
to
m
er
p
er
s
p
ec
tiv
e
an
d
b
an
k
p
er
s
p
ec
tiv
e
b
y
co
m
b
in
in
g
two
o
r
m
o
r
e
th
eo
r
ies s
u
ch
as
tech
n
o
lo
g
y
o
r
g
an
izatio
n
e
n
v
ir
o
n
m
en
t T
OE
a
n
d
T
AM
.
ACK
NO
WL
E
DG
E
M
E
NT
S
T
h
is
r
esear
ch
was
s
u
p
p
o
r
ted
Un
iv
er
s
ity
o
f
Ku
f
a,
Un
iv
e
r
s
ity
o
f
Ker
b
ala,
Un
iv
e
r
s
ity
R
o
s
to
ck
,
an
d
Dir
ec
to
r
ate
Gen
er
al
o
f
E
d
u
ca
tio
n
in
Kar
b
ala
Pr
o
v
in
ce
f
o
r
th
eir
en
d
less
s
u
p
p
o
r
t
an
d
co
o
p
er
atio
n
.
I
wis
h
to
ex
p
r
ess
m
y
g
r
atitu
d
e
to
a
n
u
m
b
er
o
f
p
eo
p
le
(
p
ar
ticip
an
ts
an
d
co
lleag
u
es)
wh
o
h
av
e
co
n
tr
i
b
u
ted
in
v
a
r
io
u
s
way
s
to
th
is
s
tu
d
y
a
n
d
p
r
o
v
id
ed
in
s
ig
h
t a
n
d
ex
p
er
tis
e
th
at
g
r
ea
tly
ass
is
ted
th
e
r
esear
ch
,
alth
o
u
g
h
th
ey
m
ay
n
o
t a
g
r
ee
with
all
o
f
th
e
in
ter
p
r
etatio
n
s
/co
n
clu
s
io
n
s
o
f
t
h
is
p
ap
er
.
Evaluation Warning : The document was created with Spire.PDF for Python.
T
E
L
KOM
NI
KA
T
elec
o
m
m
u
n
C
o
m
p
u
t E
l Co
n
tr
o
l
Dete
r
min
a
n
ts
o
f c
u
s
to
mer a
cc
ep
ta
n
ce
o
f
e
-
b
a
n
kin
g
in
I
r
a
q
u
s
in
g
… (
A
ya
d
H
a
mee
d
Mo
u
s
a
)
429
RE
F
E
R
E
NC
E
S
[1
]
A.
A.
Aliy
u
,
a
n
d
R
.
T
a
sm
in
,
“
Th
e
imp
a
c
t
o
f
in
f
o
rm
a
ti
o
n
a
n
d
c
o
m
m
u
n
ica
ti
o
n
tec
h
n
o
l
o
g
y
o
n
b
a
n
k
s’
p
e
rfo
rm
a
n
c
e
a
n
d
c
u
sto
m
e
r
se
rv
ice
d
e
li
v
e
ry
i
n
th
e
b
a
n
k
i
n
g
i
n
d
u
stry
,
”
In
ter
n
a
ti
o
n
a
l
J
o
u
rn
a
l
o
f
L
a
tes
t
T
re
n
d
s
Fi
n
a
n
c
e
a
n
d
Eco
n
o
m
y
,
v
o
l.
2
,
n
o
.
1
,
p
p
.
8
0
-
9
0
,
2
0
1
2
.
[2
]
Y.
Wan
g
,
a
n
d
T.
Z
h
o
u
,
“
An
Op
ti
m
iza
ti
o
n
M
o
d
e
l
o
f
Ba
n
k
i
n
g
Ou
tl
e
ts
I
n
teg
ra
ti
o
n
Ba
se
d
o
n
th
e
Ne
two
rk
Co
m
p
re
h
e
n
si
v
e
An
a
ly
sis,”
B
u
ll
e
ti
n
o
f
El
e
c
trica
l
E
n
g
in
e
e
rin
g
a
n
d
I
n
fo
rm
a
t
ics
,
v
o
l.
4
,
n
o
.
3
,
p
p
.
2
4
8
-
2
5
6
,
2
0
1
5
.
[3
]
J.
M
u
n
u
sa
m
y
,
S
.
C
h
e
ll
iah
,
a
n
d
H
.
W.
M
u
n
,
“
S
e
rv
ic
e
q
u
a
li
t
y
d
e
li
v
e
ry
a
n
d
it
s
imp
a
c
t
o
n
c
u
sto
m
e
r
sa
ti
sfa
c
ti
o
n
i
n
th
e
b
a
n
k
i
n
g
se
c
to
r
in
M
a
lay
sia
,
”
I
n
t
e
rn
a
ti
o
n
a
l
J
o
u
rn
a
l
o
f
In
n
o
v
a
ti
o
n
,
M
a
n
a
g
e
me
n
t
a
n
d
T
e
c
h
n
o
lo
g
y
,
v
o
l.
1
,
n
o
.
4
,
p
p
.
3
9
8
,
2
0
1
0
.
[4
]
T.
S
a
d
e
g
h
i
a
n
d
K.
He
id
a
rz
a
d
e
h
Ha
n
z
a
e
e
,
"
Cu
sto
m
e
r
sa
ti
sfa
c
ti
o
n
fa
c
t
o
rs
(CS
F
s)
with
o
n
li
n
e
b
a
n
k
i
n
g
se
rv
ice
s
in
a
n
Isla
m
ic co
u
n
try
:
IR
Ira
n
,
"
J
o
u
rn
a
l
o
f
Isl
a
mic
M
a
rk
e
ti
n
g
,
v
o
l.
1
,
n
o
.
3
,
p
p
.
2
4
9
-
2
6
7
.
,
2
0
1
0
.
[5
]
K.
B.
M
a
n
so
u
r
,
"
A
n
a
n
a
l
y
sis
o
f
b
u
sin
e
ss
’
a
c
c
e
p
tan
c
e
o
f
in
ter
n
e
t
b
a
n
k
i
n
g
:
a
n
in
teg
ra
t
io
n
o
f
e
-
tru
st
to
th
e
TAM
,
"
J
o
u
rn
a
l
o
f
B
u
sin
e
ss
&
In
d
u
stria
l
M
a
rk
e
ti
n
g
,
v
o
l.
3
1
,
n
o
.
8
,
p
p
.
9
8
2
-
9
9
4
.
2
0
1
6
.
[6
]
M
.
Ju
n
a
n
d
S
.
Ca
i
,
"
T
h
e
k
e
y
d
e
t
e
rm
in
a
n
ts
o
f
i
n
tern
e
t
b
a
n
k
in
g
se
rv
ice
q
u
a
li
ty
:
a
c
o
n
ten
t
a
n
a
ly
sis,
"
In
ter
n
a
ti
o
n
a
l
J
o
u
rn
a
l
o
f
B
a
n
k
M
a
rk
e
ti
n
g
,
v
o
l.
1
9
,
n
o
.
7,
2
0
0
1
.
[7
]
Y.
Ab
d
il
lah
,
a
n
d
S
.
S
u
h
a
rji
t
o
,
“
F
a
il
u
re
p
re
d
ictio
n
o
f
e
-
b
a
n
k
i
n
g
a
p
p
li
c
a
ti
o
n
sy
ste
m
u
si
n
g
a
d
a
p
ti
v
e
n
e
u
ro
f
u
z
z
y
in
fe
re
n
c
e
sy
ste
m
(AN
F
IS
),
”
In
ter
n
a
ti
o
n
a
l
J
o
u
rn
a
l
o
f
El
e
c
trica
l
a
n
d
Co
mp
u
ter
En
g
in
e
e
rin
g
,
v
o
l.
9
,
n
o
.
1
,
p
p
.
6
6
7
,
2
0
1
9
.
[8
]
F
.
M
u
n
o
z
-
Lei
v
a
,
S
.
Cli
m
e
n
t
-
Cli
m
e
n
t,
a
n
d
F
.
Li
é
b
a
na
-
Ca
b
a
n
il
las
,
“
De
term
in
a
n
ts
o
f
i
n
ten
ti
o
n
to
u
se
th
e
m
o
b
i
le
b
a
n
k
i
n
g
a
p
p
s:
An
e
x
ten
si
o
n
o
f
th
e
c
las
sic
TAM
m
o
d
e
l,
”
S
p
a
n
i
sh
J
o
u
rn
a
l
o
f
M
a
rk
e
ti
n
g
-
ES
IC
,
v
o
l.
2
1
,
n
o
.
1
,
p
p
.
2
5
-
3
8
,
2
0
1
7
.
[9
]
L.
V.
Ca
sa
ló
,
C
.
F
la
v
ián
,
a
n
d
M
.
G
u
in
a
lí
u
,
“
T
h
e
ro
le
o
f
sa
ti
sfa
c
ti
o
n
a
n
d
we
b
site
u
sa
b
il
it
y
i
n
d
e
v
e
l
o
p
i
n
g
c
u
sto
m
e
r
lo
y
a
lt
y
a
n
d
p
o
siti
v
e
w
o
rd
‐
o
f‐m
o
u
th
i
n
t
h
e
e
‐b
a
n
k
in
g
se
rv
ice
s,”
In
ter
n
a
ti
o
n
a
l
j
o
u
r
n
a
l
o
f
b
a
n
k
ma
rk
e
ti
n
g
,
v
o
l.
2
6
,
n
o
.
6
,
p
p
.
3
9
9
-
4
1
7
,
2
0
0
8
.
[1
0
]
Z.
Li
a
o
,
a
n
d
M
.
T
.
Ch
e
u
n
g
,
“
In
te
rn
e
t
-
b
a
se
d
e
-
b
a
n
k
in
g
a
n
d
c
o
n
su
m
e
r
a
tt
it
u
d
e
s:
a
n
e
m
p
iri
c
a
l
stu
d
y
,
”
In
fo
rm
a
t
io
n
&
M
a
n
a
g
e
me
n
t
,
v
o
l.
3
9
,
n
o
.
4
,
p
p
.
2
8
3
-
2
9
5
,
2
0
0
2
.
[1
1
]
K.
Ro
d
d
e
n
,
H.
Hu
tc
h
in
s
o
n
,
a
n
d
X.
F
u
,
"
M
e
a
su
rin
g
th
e
u
se
r
e
x
p
e
rien
c
e
o
n
a
larg
e
sc
a
le:
u
se
r
-
c
e
n
tere
d
m
e
tri
c
s
fo
r
we
b
a
p
p
l
ica
ti
o
n
s,
"
i
n
Pro
c
e
e
d
in
g
s
o
f
t
h
e
S
IGCH
I
Co
n
fer
e
n
c
e
o
n
Hu
m
a
n
Fa
c
t
o
rs
in
Co
m
p
u
t
in
g
S
y
ste
ms
,
2
0
1
0
,
p
p
.
2
3
9
5
-
2
3
9
8
.
[1
2
]
Y.
-
S
.
Wan
g
,
Y
.
-
M
.
Wan
g
,
H.
-
H.
Li
n
,
a
n
d
T.
-
I.
Tan
g
,
"
De
term
in
a
n
ts
o
f
u
se
r
a
c
c
e
p
tan
c
e
o
f
In
tern
e
t
b
a
n
k
in
g
:
a
n
e
m
p
iri
c
a
l
stu
d
y
,
"
I
n
ter
n
a
ti
o
n
a
l
J
o
u
rn
a
l
o
f
S
e
rv
ice
In
d
u
stry
M
a
n
a
g
e
me
n
t,
v
o
l.
1
4
,
n
o
.
6
,
p
p
.
5
0
1
-
5
1
9
,
2
0
0
3
.
[1
3
]
W.
C.
P
o
o
n
,
"
Us
e
rs'
a
d
o
p
ti
o
n
o
f
e
-
b
a
n
k
i
n
g
se
rv
ice
s:
th
e
M
a
lay
sia
n
p
e
rsp
e
c
ti
v
e
,
"
J
o
u
rn
a
l
o
f
B
u
sin
e
ss
&
In
d
u
stria
l
M
a
rk
e
ti
n
g
,
v
o
l.
2
3
,
n
o
.
1
,
p
p
.
59
-
6
9
,
2
0
0
8
.
[1
4
]
T.
P
ik
k
a
ra
in
e
n
,
K.
P
i
k
k
a
ra
in
e
n
,
H
.
Ka
rjalu
o
to
,
a
n
d
S
.
P
a
h
n
il
a
,
"
C
o
n
su
m
e
r
a
c
c
e
p
tan
c
e
o
f
o
n
li
n
e
b
a
n
k
i
n
g
:
a
n
e
x
ten
si
o
n
o
f
th
e
tec
h
n
o
lo
g
y
a
c
c
e
p
tan
c
e
m
o
d
e
l,
"
I
n
ter
n
e
t
R
e
se
a
rc
h
,
v
o
l.
1
4
,
n
o
.
3
,
p
p
.
2
2
4
-
2
3
5
,
2
0
0
4
.
[1
5
]
C.
M
a
rti
n
s,
T.
Ol
iv
e
ira,
a
n
d
A.
P
o
p
o
v
ič,
"
Un
d
e
rst
a
n
d
i
n
g
t
h
e
I
n
tern
e
t
b
a
n
k
in
g
a
d
o
p
ti
o
n
:
A
u
n
ifi
e
d
t
h
e
o
r
y
o
f
a
c
c
e
p
tan
c
e
a
n
d
u
se
o
f
tec
h
n
o
lo
g
y
a
n
d
p
e
rc
e
iv
e
d
r
isk
a
p
p
li
c
a
ti
o
n
,
"
I
n
ter
n
a
ti
o
n
a
l
J
o
u
rn
a
l
o
f
In
f
o
rm
a
ti
o
n
M
a
n
a
g
e
me
n
t,
v
o
l.
3
4
,
n
o
.
1
,
p
p
.
1
-
1
3
,
2
0
1
4
.
[1
6
]
R.
S
a
fe
e
n
a
,
H.
Da
te,
a
n
d
A.
Ka
m
m
a
n
i,
"
In
ter
n
e
t
Ba
n
k
in
g
A
d
o
p
t
io
n
in
a
n
Eme
rg
in
g
Eco
n
o
m
y
:
I
n
d
ian
C
o
n
s
u
m
e
r'
s
P
e
rsp
e
c
ti
v
e
,
"
I
n
t.
Ara
b
J
.
e
-
T
e
c
h
n
o
l.
,
v
o
l.
2
,
n
o
.
1
,
p
p
.
5
6
-
6
4
,
2
0
1
1
.
[1
7
]
J.
M
.
Nu
p
u
r,
"
E
-
b
a
n
k
in
g
a
n
d
c
u
st
o
m
e
rs’
sa
ti
sfa
c
ti
o
n
i
n
Ba
n
g
lad
e
sh
:
An
a
n
a
ly
sis,"
In
ter
n
a
ti
o
n
a
l
R
e
v
iew
o
f
B
u
sin
e
s
s
Res
e
a
rc
h
Pa
p
e
rs
,
v
o
l.
6
,
n
o
.
4
,
p
p
.
1
4
5
-
1
5
6
,
2
0
1
0
.
[1
8
]
H.
S
e
k
h
o
n
,
K
.
B.
Ya
p
,
D.
H.
W
o
n
g
,
C.
Lo
h
,
a
n
d
R.
Ba
k
,
"
Offli
n
e
a
n
d
o
n
l
in
e
b
a
n
k
in
g
–
w
h
e
re
to
d
ra
w
th
e
l
in
e
w
h
e
n
b
u
il
d
in
g
tr
u
st i
n
e
‐b
a
n
k
i
n
g
?
,
"
In
te
rn
a
ti
o
n
a
l
J
o
u
rn
a
l
o
f
B
a
n
k
M
a
rk
e
ti
n
g
,
v
o
l.
2
8
,
n
o
.
1
,
p
p
.
2
7
-
4
6
,
2
0
1
0
.
[1
9
]
S
.
Y.
Y
o
u
sa
fz
a
i,
J.
G
.
P
a
ll
ister,
a
n
d
G
.
R.
F
o
x
a
ll
,
"
A
p
r
o
p
o
se
d
m
o
d
e
l
o
f
e
-
tru
st
f
o
r
e
lec
tro
n
ic
b
a
n
k
in
g
,
"
T
e
c
h
n
o
v
a
t
io
n
,
v
o
l.
2
3
,
n
o
.
1
1
,
p
p
.
8
4
7
-
8
6
0
,
2
0
0
3
.
[2
0
]
M
.
Al
Na
h
ian
Ri
y
a
d
h
,
S
.
Ak
ter,
a
n
d
N.
Isla
m
,
"
Th
e
a
d
o
p
t
io
n
o
f
e
-
b
a
n
k
i
n
g
in
d
e
v
e
lo
p
in
g
c
o
u
n
tri
e
s
:
A
th
e
o
re
ti
c
a
l
m
o
d
e
l
fo
r
S
M
Es,
"
I
n
ter
n
a
t
io
n
a
l
R
e
v
iew o
f
Bu
si
n
e
ss
Re
se
a
rc
h
p
a
p
e
rs
,
v
o
l.
5
n
o
.
6
,
p
p
.
2
1
2
-
2
3
0
,
2
0
0
9
.
[2
1
]
A.
A.
On
i
a
n
d
C
.
K.
A
y
o
,
"
An
e
m
p
iri
c
a
l
in
v
e
stig
a
ti
o
n
o
f
t
h
e
lev
e
l
o
f
u
se
rs’
a
c
c
e
p
tan
c
e
o
f
e
-
b
a
n
k
i
n
g
i
n
Ni
g
e
ria,"
J
o
u
rn
a
l
o
f
In
ter
n
e
t
Ba
n
k
in
g
a
n
d
C
o
mm
e
rc
e
,
v
o
l.
1
5
,
n
o
.
1
,
p
p
.
1
-
1
3
,
2
0
1
0
.
[2
2
]
H.
O.
Ad
e
b
a
m
b
o
,
H.
As
h
a
ri
,
a
n
d
N.
No
rd
i
n
,
"
An
tec
e
d
e
n
ts
a
n
d
o
u
tc
o
m
e
o
f
su
sta
in
a
b
le
e
n
v
iro
n
m
e
n
tal
m
a
n
u
fa
c
tu
rin
g
p
ra
c
ti
c
e
s,"
In
ter
n
a
ti
o
n
a
l
J
o
u
r
n
a
l
o
f
M
a
n
a
g
e
me
n
t
a
n
d
S
u
st
a
in
a
b
il
it
y
,
v
o
l
.
3
,
n
o
.
3
,
p
p
.
1
47
-
1
5
9
,
2
0
1
4
.
[2
3
]
M
.
F
is
h
b
e
in
a
n
d
I.
Ajz
e
n
,
"
Be
li
e
f,
a
tt
it
u
d
e
,
in
ten
ti
o
n
,
a
n
d
b
e
h
a
v
io
r:
An
in
tr
o
d
u
c
ti
o
n
t
o
t
h
e
o
ry
a
n
d
re
se
a
rc
h
,
"
1
9
7
7
.
[2
4
]
F
.
D.
Da
v
is,
R
.
P
.
Ba
g
o
z
z
i,
a
n
d
P
.
R.
Wars
h
a
w,
"
Us
e
r
a
c
c
e
p
tan
c
e
o
f
c
o
m
p
u
ter
tec
h
n
o
lo
g
y
:
a
c
o
m
p
a
riso
n
o
f
two
th
e
o
re
ti
c
a
l
m
o
d
e
ls,
"
M
a
n
a
g
e
me
n
t
S
c
ien
c
e
,
v
o
l.
3
5
,
n
o
.
8
,
p
p
.
9
8
2
-
1
0
0
3
,
1
9
8
9
.
[2
5
]
M
.
S
a
n
d
a
d
a
,
N.
S
imb
a
ra
sh
e
,
a
n
d
R.
S
h
a
m
h
u
y
e
n
h
a
n
z
v
a
,
"
De
term
in
in
g
t
h
e
imp
a
c
t
o
f
se
lec
ted
su
c
c
e
s
s
fa
c
to
rs
o
n
th
e
a
d
o
p
t
io
n
o
f
E
-
b
a
n
k
i
n
g
in
t
h
e
Zi
m
b
a
b
we
a
n
b
a
n
k
i
n
g
i
n
d
u
stry
,
"
Eu
ro
Eco
n
o
mic
a
,
v
o
l.
2
,
n
o
.
3
5
,
p
p
.
1
0
2
-
1
1
8
,
2
0
1
6
.
[2
6
]
M
.
G
.
S
a
li
m
o
n
,
R.
Z.
Y
u
so
ff,
a
n
d
S
.
S
.
M
.
M
o
k
h
tar,
"
Th
e
in
fl
u
e
n
c
e
o
f
e
-
sa
ti
sfa
c
ti
o
n
,
e
-
tru
st
a
n
d
h
e
d
o
n
ic m
o
ti
v
a
ti
o
n
o
n
th
e
a
d
o
p
ti
o
n
o
f
e
-
b
a
n
k
i
n
g
a
n
d
it
s
d
e
term
in
a
n
ts
in
Ni
g
e
ria:
A
p
il
o
t
st
u
d
y
,
"
M
e
d
it
e
rr
a
n
e
a
n
J
o
u
rn
a
l
o
f
S
o
c
ia
l
S
c
ien
c
e
s,
v
o
l
.
7
,
n
o
.
1
,
p
.
5
4
,
2
0
1
6
.
[2
7
]
S
.
S
a
m
a
r,
M
.
G
h
a
n
i,
a
n
d
F
.
Al
n
a
se
r,
"
P
re
d
icti
n
g
c
u
st
o
m
e
r’s
in
ten
t
i
o
n
s
t
o
u
se
in
tern
e
t
b
a
n
k
i
n
g
:
t
h
e
ro
le
o
f
tec
h
n
o
lo
g
y
a
c
c
e
p
tan
c
e
m
o
d
e
l
(TAM
)
in
e
-
b
a
n
k
i
n
g
,
"
M
a
n
a
g
e
me
n
t
S
c
ien
c
e
L
e
tt
e
rs
,
v
o
l.
7
,
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Ad
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[2
9
]
A.
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.
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M
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.
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1
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D.
A.
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Ne
lso
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.
A.
To
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1
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2,
p
p
.
2
2
7
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[3
2
]
M
.
Ab
o
e
lma
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e
d
a
n
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T.
R.
G
e
b
b
a
,
"
M
o
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i
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o
n
:
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[3
3
]
S
.
G
ra
b
n
e
r
-
Krä
u
ter
a
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d
R
.
F
a
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ll
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n
t,
"
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o
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tern
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:
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tern
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st,
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ter
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[3
4
]
S
.
Ka
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"
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e
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se
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in
f
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ti
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d
:
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&
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1
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4
,
2
0
0
5
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p
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[3
5
]
K.
G
h
a
lan
d
a
ri,
"
Th
e
e
ffe
c
t
o
f
p
e
rf
o
rm
a
n
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e
e
x
p
e
c
tan
c
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,
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ffo
rt
e
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e
c
tan
c
y
,
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ial
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e
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e
a
n
d
fa
c
il
it
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ti
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g
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o
n
d
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n
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o
n
a
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c
e
p
tan
c
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o
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-
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n
k
in
g
se
rv
ice
s
in
Ira
n
:
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e
m
o
d
e
ra
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ro
l
e
o
f
a
g
e
a
n
d
g
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le
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st
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o
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1
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o
.
6
,
p
p
.
8
0
1
-
8
0
7
,
2
0
1
2
.
[3
6
]
Y.
Ab
d
il
lah
,
"
F
a
il
u
re
p
re
d
icti
o
n
o
f
e
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In
f
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re
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S
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m
(AN
F
IS
),
"
I
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ter
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a
ti
o
n
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l
J
o
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n
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l
o
f
El
e
c
trica
l
&
C
o
mp
u
ter
En
g
in
e
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g
(2
0
8
8
-
8
7
0
8
),
v
o
l.
9
,
n
o
.
1
,
2
0
1
9
.
[3
7
]
W.
-
C.
P
o
o
n
,
"
Us
e
rs
'
a
d
o
p
ti
o
n
o
f
e
-
b
a
n
k
i
n
g
se
rv
ice
s:
th
e
M
a
lay
sia
n
p
e
rsp
e
c
ti
v
e
,
"
J
o
u
r
n
a
l
o
f
Bu
si
n
e
ss
&
In
d
u
stria
l
M
a
rk
e
ti
n
g
,
v
o
l.
2
3
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o
.
1
,
p
p
.
5
9
-
6
9
,
2
0
0
7
.
[3
8
]
D.
C.
F
o
n
c
h
a
m
n
y
o
,
"
C
u
sto
m
e
rs’
p
e
rc
e
p
ti
o
n
o
f
E
-
b
a
n
k
in
g
a
d
o
p
ti
o
n
i
n
Ca
m
e
ro
o
n
:
An
e
m
p
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a
l
a
s
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m
e
n
t
o
f
a
n
e
x
ten
d
e
d
TAM
,
"
In
ter
n
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ti
o
n
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l
J
o
u
rn
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l
o
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Eco
n
o
mic
s a
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d
Fi
n
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n
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e
,
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l.
5
n
o
.
1
,
p
p
.
1
6
6
-
1
7
6
,
2
0
1
3
.
[3
9
]
F
.
L
iéb
a
n
a
-
Ca
b
a
n
il
las
,
F
.
M
u
ñ
o
z
-
Leiv
a
,
a
n
d
F
.
Re
jó
n
-
G
u
a
rd
ia,
"
T
h
e
d
e
term
in
a
n
ts
o
f
sa
ti
sfa
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ti
o
n
w
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e
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b
a
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k
in
g
,
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In
d
u
stria
l
M
a
n
a
g
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me
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&
Da
t
a
S
y
ste
ms
,
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l.
1
1
3
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o
.
5
,
p
p
.
7
50
-
7
6
7
,
2
0
1
3
.
[4
0
]
B.
Ry
m
,
B.
Olfa
,
a
n
d
B.
M
.
B
.
M
é
li
k
a
,
"
De
term
in
a
n
ts
o
f
e
-
lea
rn
i
n
g
a
c
c
e
p
tan
c
e
:
a
n
e
m
p
iri
c
a
l
st
u
d
y
i
n
t
h
e
T
u
n
isian
c
o
n
tex
t,
"
Ame
ric
a
n
J
o
u
r
n
a
l
o
f
In
d
u
stria
l
a
n
d
Bu
si
n
e
ss
M
a
n
a
g
e
me
n
t,
v
o
l
.
3
n
o
.
3
,
p
.
3
0
7
,
2
0
1
3
.
[4
1
]
W.
Na
sri
a
n
d
L.
C
h
a
rfe
d
d
i
n
e
,
"
F
a
c
to
rs
a
ffe
c
ti
n
g
t
h
e
a
d
o
p
ti
o
n
o
f
I
n
tern
e
t
b
a
n
k
i
n
g
in
Tu
n
isia:
An
in
teg
ra
ti
o
n
th
e
o
r
y
o
f
a
c
c
e
p
tan
c
e
m
o
d
e
l
a
n
d
th
e
o
r
y
o
f
p
lan
n
e
d
b
e
h
a
v
io
r
,
"
T
h
e
J
o
u
rn
a
l
o
f
Hi
g
h
T
e
c
h
n
o
lo
g
y
M
a
n
a
g
e
me
n
t
Res
e
a
rc
h
,
v
o
l.
2
3
,
n
o
.
1
,
p
p
.
1
-
1
4
,
2
0
1
2
.
[4
2
]
N.
Wi
lso
n
a
n
d
S
.
M
c
Clea
n
,
"
C
o
m
p
u
ter
b
a
se
d
tea
c
h
in
g
a
n
d
lea
rn
in
g
i
n
sta
ti
stics
,
"
i
n
IFI
P
W
o
rld
Co
n
fer
e
n
c
e
o
n
Co
mp
u
ter
s i
n
E
d
u
c
a
t
io
n
,
1
9
9
5
,
p
p
.
3
1
7
-
3
2
5
.
[4
3
]
A.
H.
M
o
u
sa
,
“
Da
ta
v
irt
u
a
li
z
a
ti
o
n
d
e
sig
n
m
o
d
e
l
f
o
r
n
e
a
r
re
a
l
ti
m
e
d
e
c
isio
n
m
a
k
in
g
i
n
b
u
sin
e
ss
in
telli
g
e
n
c
e
e
n
v
ir
o
n
m
e
n
t,
”
P
h
D T
h
e
sis,
Co
ll
e
g
e
o
f
Art
a
n
d
S
c
ien
c
e
,
Un
i
v
e
rsiti
Uta
ra
M
a
lay
sia
,
2
0
1
7
.
[4
4
]
J.
F
.
Ha
ir,
W
.
C.
B
lac
k
,
B.
J.
Ba
b
in
,
R.
E.
A
n
d
e
rso
n
,
a
n
d
R.
L.
Tat
h
a
m
,
"
M
u
lt
i
v
a
riate
d
a
ta
a
n
a
ly
sis,
"
Up
p
e
r
S
a
d
d
le
Riv
e
r,
NJ
,
P
re
n
ti
c
e
h
a
ll
,
v
o
l.
5
,
n
o
.
3
,
1
9
9
8
,
p
p
.
2
0
7
-
2
1
9
.
[4
5
]
L.
L.
C
h
a
n
a
n
d
N.
I
d
ris,
"
Va
li
d
it
y
a
n
d
re
li
a
b
i
li
ty
o
f
t
h
e
i
n
stru
m
e
n
t
u
sin
g
e
x
p
lo
ra
t
o
ry
fa
c
to
r
a
n
a
ly
sis
a
n
d
Cr
o
n
b
a
c
h
’s
a
lp
h
a
,
"
In
ter
n
a
ti
o
n
a
l
J
o
u
rn
a
l
o
f
Aca
d
e
mic
Res
e
a
rc
h
i
n
Bu
si
n
e
ss
a
n
d
S
o
c
ia
l
S
c
ien
c
e
s,
v
o
l.
7
,
n
o
.
1
0
,
p
p
.
4
0
0
-
4
1
0
,
2
0
1
7
.
[4
6
]
D.
M
.
Ra
n
d
a
ll
a
n
d
A.
M
.
G
ib
so
n
,
"
M
e
th
o
d
o
lo
g
y
i
n
b
u
si
n
e
ss
e
th
ics
re
se
a
rc
h
:
A
re
v
iew
a
n
d
c
rit
ic
a
l
a
ss
e
ss
m
e
n
t,
"
J
o
u
rn
a
l
o
f
b
u
sin
e
ss
e
th
ics
,
v
o
l.
9
,
n
o
.
6
,
p
p
.
4
5
7
-
4
7
1
,
1
9
9
0
.
[4
7
]
C.
L.
Wan
g
a
n
d
P
.
K.
Ah
m
e
d
,
"
T
h
e
d
e
v
e
lo
p
m
e
n
t
a
n
d
v
a
li
d
a
ti
o
n
o
f
th
e
o
r
g
a
n
isa
ti
o
n
a
l
in
n
o
v
a
ti
v
e
n
e
ss
c
o
n
stru
c
t
u
sin
g
c
o
n
firma
to
ry
fa
c
to
r
a
n
a
l
y
sis,"
E
u
ro
p
e
a
n
jo
u
rn
a
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