Fintech Revolution: Financial Sector Transformation in a Digital World * DETERMINATION TEST R = 0.310 means that the relationship (relation) between BI1, BI2, BI3, BI4, CS1, CS2, CS3, CS4 and SB6 (Y) is 31%, meaning that the relationship is not tight. The greater the R means the relationship is very strong. Value 0.0 - 0.19 0.2 - 0.39 0.4 - 0.59 0.6 - 0.79 0.8 - 0.99 Interpretation Very heavy Not heavy Quite heavy Erat Sangaterat • R Square of 0.060 means that 0.60% of Loyalty can be explained by BI1, BI2, BI3, BI4, CS1, CS2, CS3, CS4 while the remaining 99.40% can be explained by other factors. other factors not examined by this research. • Adjusted R Square of 0.007 means that 0.7% of Loyalty can be explained by BI1, BI2, BI3, BI4, CS1, CS2, CS3, CS4 while the remaining 99.93% can be explained by other factors not examined by this study. • Standard Error of Estimated means measuring the variation of the predicted value. Standard Error of Estimated can also be called standard deviation. In the Standard Error of Estimated is 0.65881. The smaller the standard deviation, the better the model and vice versa, the bigger the standard deviation, the worse the model. ANOVA (F TEST) • The table above reveals that the value of F count is 1.075 with a significant level of significance 0.000. while F table at 95% confidence level (0.05). by because the calculation of F count> F table and the significant level of 0.000 <0.05, shows that the influence of the independent variables BI1, BI2, BI3, BI4, CS1, CS2, CS3, CS4 as a whole is positive and significant on loyalty (Y). • In the table, it can be seen that regression df = 8 means that the number of independent variables is 8, namelyBI1,BI2,BI3,BI4,CS1,CS2,CS3,CS4. • Total df = 89 means that the number of respondents/data is 89 (where df = n-1) while the residual df = 81 is derived from 89-8 • Mean Square: Sum of Square/df. In the table mean square regression (4,67) = 3.732/8.