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

Table 5

Correlations, divergent validity, and descriptive statistics.

	1	2	3	4	5	6
Cost	(0.734)
IoT adoption	0.464	(0.825)
Convenience	0.519	0.384	(0.781)
Social status	0.198	0.227	0.217	(0.794)
Privacy	0.258	0.365	0.172	0.137	(0.824)
Customer relationship management	0.249	0.526	0.337	0.254	0.159	(0.853)
Mean	4.844	5.240	5.359	4.671	5.152	5.248
Standard deviation	0.865	1.145	1.028	0.904	1.052	1.208
Skewness	-1.154	-1.204	0.869	0.675	1.118	0.824
Kurtosis	0.865	-1.256	0.907	-1.265	0.552	0.667

Note: bold diagonal values within parentheses are the squared root of AVE.