Factors Influencing Adoption of IoT and Its Impact on CRM in Banks: Examining the Moderating Role of Gender, Age, and Bank Ownership Type
Table 6
Standardized direct and interaction (moderation) effects.
Dependent variable
Independent variable
Std. estimate
Direct effects
IoT adoption
←
Cost
0.351
IoT adoption
←
Convenience
0.267
IoT adoption
←
Status
0.121
IoT adoption
←
Privacy
0.294
Customer relationship management
←
IoT adoption
0.395
Interaction effect (moderation effect)
Customer relationship management
←
IoT adoptiongender
-0.149
Customer relationship management
←
IoT adoptionage
-0.171
Customer relationship management
←
IoT adoptionbank type
0.154
Note: direct paths have been found significant at 1% level of significance, i.e., value < 0.01. The interaction effects have been found significant at a 5% level of significance, i.e., , with bootstrapping at 5000.
