Using Artificial Intelligence to Predict Customer Satisfaction with E-Payment Systems during the COVID-19 Pandemic

Table 5

The OLS, fixed effect, and random effect.

Effects	Dep. var.	Indep. var.	OLS			Fixed effect			Random effect
			B	S.E	t-stat	B	S.E	Z	B	S.E	Z
Indirect		Intercept	1.380	0.078	17.74	0.115	0.020	5.637	1.347	0.077	17.522
		SE	0.082	0.014	5.861	0.119	0.022	5.509	0.089	0.014	6.449
		CT	0.135	0.015	8.895	0.158	0.028	5.621	0.131	0.015	8.802
	EP	PV	0.230	0.018	12.65	0.274	0.024	11.58	0.221	0.018	12.245
		AT	0.210	0.016	12.98	0.132	0.023	5.669	0.221	0.016	13.917
		CR	0.097	0.017	5.572	0.115	0.020	5.637	0.101	0.017	6.034
		R-square	0.639	0.731	0.714
		F-stat.	346.5	204.6	1845.7
		Intercept	0.945	0.171	5.518				0.945	0.171	5.518
	CS	EP	0.702	0.038	18.54	0.630	0.065	9.764	0.702	0.038	18.540
		R-square	0.260	0.201	0.260
		F-stat.	343.7	95.3	343.7
Direct
		Intercept	0.253	0.118	2.138				0.253	0.118	2.138
		SE	−0.009	0.021	−0.408	−0.054	0.037	−1.471	−0.009	0.021	−0.408
		CT	0.157	0.023	6.818	0.175	0.039	4.523	0.157	0.023	6.818
	CS	PV	0.261	0.028	9.471	0.260	0.050	5.169	0.261	0.028	9.471
		AT	0.031	0.025	1.265	0.081	0.042	1.919	0.031	0.025	1.265
		CR	0.471	0.026	17.85	0.514	0.042	12.32	0.471	0.026	17.850
		R-square	0.562	0.563	0.562
		F-stat.	250.5	96.9	1252.4

Signif. codes: “” 0.01 “” 0.05 “” 0.1.