THE ROLE OF INTERNET OF THINGS IN FINTECH ADOPTION WITHIN BANKING SECTOR:THE MODERATING ROLE OF DIGITAL TRANSFORMATION CAPABILITY. LEX [Internet]. 2025 Aug. 25 [cited 2026 Apr. 14];23(S4):2486-510. Available from: https://lex-localis.org/index.php/LexLocalis/article/view/800927