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

Table 4

CFA loadings, Cronbach’s alpha, CR, and AVE.

Construct name	Variable name	No. of items	Average CFA loading	Alpha	CR	AVE
Cost		3	0.734	0.791	0.808	0.539
IoT adoption		4	0.825	0.921	0.928	0.681
Convenience		4	0.781	0.895	0.904	0.610
Status		3	0.794	0.846	0.855	0.630
Privacy		3	0.824	0.821	0.833	0.679
Customer relationship management (second-order construct)	Responsiveness	5	0.810	0.935	0.940	0.728
	Satisfaction	4	0.798
	Assurance	5	0.740