Banking Support for Energy Security: The Customer Aspect
Abstract
:1. Introduction
2. Literature Review
2.1. Green Banking
2.2. Theory of Planned Behavior
2.3. Conceptual Framework and Hypotheses Development
3. Materials and Methods
- The examination of indicator loadings—values higher than 0.7 are recommended, proving the item reliability;
- The assessment of internal consistency reliability by the use of Cronbach’s α, composite reliability (CR) and ρA—values between 0.70 and 0.95 are satisfactory;
- The assessment of convergent validity by the use of the average variance extracted (AVE)—values higher or equal to 0.50 are acceptable;
- The assessment of discriminant validity by the use of the heterotrait-monotrait (HTMT) ratio of the correlations—HTMT lower than 0.85 is acceptable.
4. Results
4.1. Measurement Model
4.2. Structural Model
5. Discussion
6. Conclusions
Author Contributions
Funding
Data Availability Statement
Conflicts of Interest
References
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Constructs and Items | Loadings | AVE | CR | Cronbach’s α | ρA |
---|---|---|---|---|---|
Perceived behavioral control | 0.737 | 0.918 | 0.883 | 0.927 | |
PBC1 | 0.805 | ||||
PBC2 | 0.905 | ||||
PBC3 | 0.897 | ||||
PBC4 | 0.822 | ||||
Subjective norms | 0.655 | 0.850 | 0.734 | 0.750 | |
SN1 | 0.887 | ||||
SN2 | 0.803 | ||||
SN3 | 0.731 | ||||
Attitude | 0.676 | 0.862 | 0.759 | 0.772 | |
AT1 | 0.817 | ||||
AT2 | 0.766 | ||||
AT3 | 0.880 | ||||
Behavioral intention | 0.759 | 0.926 | 0.894 | 0.895 | |
BI1 | 0.846 | ||||
BI2 | 0.889 | ||||
BI3 | 0.900 | ||||
BI4 | 0.850 | ||||
Environmental consciousness | 0.727 | 0.914 | 0.877 | 0.893 | |
EC1 | 0.820 | ||||
EC2 | 0.858 | ||||
EC3 | 0.870 | ||||
EC4 | 0.860 |
HTMT | |
---|---|
BI → AT | 0.712 |
EC → AT | 0.307 |
EC → BI | 0.281 |
PBC → AT | 0.314 |
PBC → BI | 0.377 |
PBC → EC | 0.108 |
SN → AT | 0.560 |
SN → BI | 0.342 |
SN → EC | 0.055 |
SN → PBC | 0.577 |
Path Coefficients | Direct Effect | p-Value | Hypotheses |
---|---|---|---|
AT → BI | 0.518 | 0.000 | H1 Accepted |
PBC → BI | 0.243 | 0.000 | H2 Accepted |
SN → BI | −0.055 | 0.126 | H3 Rejected |
EC → AT | 0.260 | 0.000 | H4 Accepted |
EC → BI | 0.117 | 0.000 | H5 Accepted |
Path Coefficients | Direct Effect | Difference | p-Value | |||
---|---|---|---|---|---|---|
Female | p-Value | Male | p-Value | |||
AT → BI | 0.486 | 0.000 | 0.489 | 0.000 | −0.002 | 0.968 |
PBC → BI | 0.316 | 0.000 | 0.037 | 0.684 | 0.279 | 0.004 |
SN → BI | 0.007 | 0.853 | 0.032 | 0.782 | −0.025 | 0.908 |
EC → BI | 0.113 | 0.005 | 0.203 | 0.039 | −0.090 | 0.367 |
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Milicevic, N.; Djokic, N.; Mirovic, V.; Djokic, I.; Kalas, B. Banking Support for Energy Security: The Customer Aspect. Sustainability 2023, 15, 112. https://doi.org/10.3390/su15010112
Milicevic N, Djokic N, Mirovic V, Djokic I, Kalas B. Banking Support for Energy Security: The Customer Aspect. Sustainability. 2023; 15(1):112. https://doi.org/10.3390/su15010112
Chicago/Turabian StyleMilicevic, Nikola, Nenad Djokic, Vera Mirovic, Ines Djokic, and Branimir Kalas. 2023. "Banking Support for Energy Security: The Customer Aspect" Sustainability 15, no. 1: 112. https://doi.org/10.3390/su15010112