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

<div>Hypothesized conceptual framework.</div>

Human Behavior and Emerging Technologies

Figure 5: Factors Influencing Adoption of IoT and Its Impact on CRM in Banks: Examining the Moderating Role of Gender, Age, and Bank Ownership Type 