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

Table 2

Total variance explained (Harman’s single factor test).

Component	Extraction sums of squared loadings
	Total	% of variance	Cumulative %
1	8.546	31.180	31.180

Extraction method: principal component analysis. Rotation method: varimax.