影响物联网应用准备程度的中介和调节因素:银行业背景

R. El-Aziz, Sarah El-Gamal, Miran Ismail
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引用次数: 5

摘要

虽然物联网似乎是即将到来的趋势,但它仍处于起步阶段;尤其是在银行业。文献中存在明显的空白,因为只有少数研究确定了影响银行对物联网应用准备程度的因素,而对中介和调节因素的调查几乎可以忽略不计。因此,本研究旨在调查影响员工对物联网应用的准备程度的主要因素,同时强调埃及银行业的中介和调节因素。埃及的重要性源于其庞大的人口和在技术采用方面采取的稳步步骤。在银行人力资源员工中发放有效问卷479份。收集的数据采用回归和扫描电镜进行统计分析。结果显示,“安全”、“网络”、“软件开发”和“法规”对“物联网应用准备情况”有重大影响。因此,准备接受水平很高“安全性”和“用户意图”被证明是研究变量与物联网应用准备之间关系的中介,而“效率”仅被证明是部分调节作用。这项研究有助于增加关于物联网应用的文献,特别是填补了埃及银行业背景的空白。最后,它为银行决策者提供了关于如何在员工中最佳地推广物联网应用的有用指导。
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Mediating and Moderating Factors Affecting Readiness to IoT Applications: The Banking Sector Context
Although IOT seems to be the upcoming trend, it is still in its infancy; especially in the banking industry. There is a clear gap in literature, as only few studies identify factors affecting readiness to IOT applications in banks in general, and almost negligible investigations on mediating and moderating factors. Accordingly, this research aims to investigate the main factors that affect employees’ readiness to IOT applications, while highlighting the mediating and moderating factors in the Egyptian banking sector. The importance of Egypt stems from its high population and steady steps taken towards technology adoption. 479 valid questionnaires were distributed over HR employees in banks. Data collected was statistically analysed using Regression and SEM. Results showed a significant impact of ‘Security’, ‘Networking’, ‘Software Development’ and ‘Regulations’ on ‘readiness to IOT applications. Thus, the readiness acceptance level is high‘Security’ and ‘User Intention’ were proven to mediate the relationship between research variables and readiness to IOT applications, and only a partial moderation role was proven for ‘Efficiency’. The study contributes to increasing literature on IOT applications in general, and fills a gap on the Egyptian banking context in particular. Finally, it provides decision makers at banks with useful guidelines on how to optimally promote IOT applications among employees.
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