Construct-to-item summary (TOE–V)
| Domain | Items (code → label) |
|---|---|
| Technological | Q1 → Fraud/Risk digitalization; Q3 → Customer-journey digitization; Q4 → Legacy IT instability; Q16 → Advanced technology adoption (AI/ML) |
| Organizational | Q6 → Budget and commitment; Q7 → Digital-first culture; Q8 → Process change/adoption; Q9 → Digital upskilling; Q10 → Agile methodology adoption |
| Environmental | Q11 → Regulatory clarity; Q12 → FinTech impact; Q15 → BigTech impact |
| Value (Outcomes) | Q2 → Cost reduction via digital; Q13 → Omnichannel and onboarding; Q14 → Personalization |
| Domain | Items (code → label) |
|---|---|
| Technological | Q1 → Fraud/Risk digitalization; Q3 → Customer-journey digitization; Q4 → Legacy IT instability; Q16 → Advanced technology adoption (AI/ML) |
| Organizational | Q6 → Budget and commitment; Q7 → Digital-first culture; Q8 → Process change/adoption; Q9 → Digital upskilling; Q10 → Agile methodology adoption |
| Environmental | Q11 → Regulatory clarity; Q12 → FinTech impact; Q15 → BigTech impact |
| Value (Outcomes) | Q2 → Cost reduction via digital; Q13 → Omnichannel and onboarding; Q14 → Personalization |
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