| Value | Category | 
|---|---|
| -9 | Don't know (spontaneous) | 
| 1 | Reduce costs of financial transactions | 
| 2 | Reduce the time spent in financial transactions | 
| 3 | Reduce the risks in financial transactions | 
| 4 | Satisfy suppliers’ request | 
| 5 | Satisfy costumers’ request | 
| 6 | Align with competitors’ use | 
| Sysmiss |