Figure 1
The research model includes multiple rectangular boxes connected by labeled arrows. On the left, a dashed box labeled “U T A U T” contains three stacked components: “P E - Performance expectancy of I o T”, “E E - Effort Expectancy of I o T”, and “S I - Social Influence of I o T”. Below this box, a separate component labeled “T R - Trust of I o T” is shown. From these four components, arrows extend toward a box on the right labeled “B I - Behavioural intention I o T”. The arrows are labeled “H 1 a”, “H 1 b”, “H 1 c”, and “H 1 d”. Above the “B I” box, another box labeled “Control variables” lists “Age, Education, Financial situation”, with a downward arrow pointing to “B I”. All four left-side components also have arrows directed downward toward a bottom box labeled “A T T - Attitude towards I o T”, with paths labeled “H 2 a”, “H 2 b”, “H 2 c”, and “H 2 d”. From “A T T”, a diagonal arrow labeled “H 3” points upward to “B I”. At the bottom right, additional hypothesis paths are written as: “H 4 a: Performance expectancy to Attitude I o T to Behavioural intention” “H 4 b: Effort expectancy to Attitude I o T to Behavioural intention” “H 4 c: Social influence to Attitude I o T to Behavioural intention” and “H 4 d: Trust to Attitude I o T to Behavioural intention”.Research model. Note: The antecedant variables from the basic UTAUT model are placed in a rectangular box. Source: Own elaboration