Research propositions
| Proposition | Theoretical foundation | Construct relationship | Expected effect |
|---|---|---|---|
| P1 | TOE (Technological Context) | Legacy IT systems → DT maturity | Negative |
| P2 | TOE (Technological Context) | IT integration capability → DT maturity | Positive |
| P3 | TOE (Organizational Context) | Top-management support → DT success | Positive |
| P4 | TOE (Organizational Context) | Digital governance structures → Transformation maturity | Positive |
| P5 | TOE (Environmental Context) | Regulatory clarity → Transformation progress | Positive |
| P6 | TOE (Environmental Context) | Competitive pressure (fintech/BigTech) → Transformation investment | Positive |
| P7 | TOE–V (Value Dimension) | Personalization capability → DT maturity | Positive |
| P8 | Institutional Theory (Normative/Mimetic Pressures) | Social influence → DT adoption | Positive |
| Proposition | Theoretical foundation | Construct relationship | Expected effect |
|---|---|---|---|
| TOE (Technological Context) | Legacy IT systems → DT maturity | Negative | |
| TOE (Technological Context) | IT integration capability → DT maturity | Positive | |
| TOE (Organizational Context) | Top-management support → DT success | Positive | |
| TOE (Organizational Context) | Digital governance structures → Transformation maturity | Positive | |
| TOE (Environmental Context) | Regulatory clarity → Transformation progress | Positive | |
| TOE (Environmental Context) | Competitive pressure (fintech/BigTech) → Transformation investment | Positive | |
| TOE–V (Value Dimension) | Personalization capability → DT maturity | Positive | |
| Institutional Theory (Normative/Mimetic Pressures) | Social influence → DT adoption | Positive |
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