Factors Influencing Adoption of IoT and Its Impact on CRM in Banks: Examining the Moderating Role of Gender, Age, and Bank Ownership Type

<div>Moderation effect of bank ownership type on “IoT adoption ➔ CRM” link.</div>

Human Behavior and Emerging Technologies

Figure 4: Factors Influencing Adoption of IoT and Its Impact on CRM in Banks: Examining the Moderating Role of Gender, Age, and Bank Ownership Type 