TableĀ 5

Research proposition outcomes

PropositionDescriptionOutcome
P1Legacy IT systems negatively affect DT.Confirmed by Expert Consensus
P2High IT integration capability enhances transformation maturityConfirmed by Expert Consensus
P3Top-management support improves DT outcomesConfirmed by Expert Consensus
P4Dedicated digital governance structures accelerate transformationConfirmed by Expert Consensus
P5Regulatory ambiguity impedes transformation progressPartially confirmed by Expert Consensus
P6FinTech/BigTech competition drives increased transformation investmentConfirmed by Expert Consensus
P7Greater personalization capability increases transformation maturityConfirmed by Expert Consensus
P8Social influence (peer pressure) positively affects transformation decisionsPartially confirmed by Expert Consensus

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