Table 5.

Total Effect of Service Convenience on the Dependent Variables (Whole sample n = 12,657)

	Customer Loyalty			Share of Wallet
	Standardized Estimates	t-values		Standardized Estimates	t-values
Transaction Convenience	0.09*	12.17		0.06*	9.86
Access Convenience	0.10*	13.34		0.08*	12.87
Decision Convenience	0.33 *	28.74		0.21 *	21.35
Benefit Convenience	0.19 *	19.01		0.15 *	18.17

NOTE: Statistically significant path coefficients are marked with (*). Bolded coefficients indicate practical significance (i.e., ≥ 0.14).