Adoption of Electronic CRM in Service Sector: Using an Integrated Model

Table of contents

1. Introduction

urrently, the solid metamorphosis of the exchange universe and the spectacular evolution of the market, lead the company to initiate systemic transformations under strong time constraints to prevent customer needs and thus develop personalized offers and superior quality (Cadiat and de Moerloose, 2002) through the electronic customer's relationship management "e-CRM system".

Many of the benefits of this system are that businesses can provide their customers with personalized service, acquire new customers, retain existing customers, and maximize their lifetime value. As a result, acquiring new customers remains a hard task due to the intense competitive environment and complex consumer behavior (Tocquer and Langlois 1992).

Despite the advantages of information technology (IT) and its ability to perform relationship marketing tasks, there is still a lack of empirical data in the field of relationship marketing (RM), customer relationship management. (CRM) and its e-CRM application.

In the literature, studies indicate several failures in the use and adoption of the e-CRM system / The failures are mainly due to employee resistance to change, insufficient training on the e-CRM system, lack of management support, and lack of appropriate IT infrastructure.

Indeed, most of the previous research had not focused on studying user acceptance behaviors or their attitude towards e-CRM adoption. The e-CRM projects have focused more on the application of technology and not on human issues. However, and according to Volle (2003), the gains to be made from the information system no longer come from massive investments in IT infrastructure but from the strengthening of links between people, technology, and the organization.

Big data pose new challenges to traditional data processing methods, because they are not designed for the scale of the web (Chéour, 2019). Given the astronomical amount of potentially exploitable data, it is first necessary to put in place approaches to manage this wealth of information, to store and prioritize this data in an adhesive manner, with a view to their subsequent exploitation (Ghazaleh, 2020).

Many theories try to take advantage of this question by studying the conditions under which the interactions between people, technologies and, customers increase the profitability of the company's merchant portfolio. Specially, the diffusion theory of innovation.

The diffusion theory of innovations has shown relatively dominance over other models that have tried to investigate the field of perceptual characteristics of innovation (Meuter, 1999). It was criticized for its lack of specificity (Chau and Tam, 1997).

Another criticism of the diffusion of innovations theory is its omission of the vital role intention plays in the process of use (Ozdemir, Trott & Hoecht, 2008).

However, adopting an innovation involves first its evaluation by the consumer, then forming the intention demonstrating the close link between the use of technology and human performance. Yet, it does not specify how this intention is formed or how it results was used or rejected. Several studies have emphasized the role of intentions in user behavior (Anderson & Schwager, 2004;Lin, Chan & Jin, 2004).

Facing his critics, two main theories have recently emerged proposing elements of ramifications. These are the Unified Theory of Acceptance and Use of Technology (UTAUT) and the Task Technology Fit model (TTF), which serves to better explain the adoption of IT.

UTAUT is certainly the most successful explanatory model of the individual adoption of technologies. Explainnearly 70% of the variance in intent and 50% of the variance in usage (Venkatesh et al. 2003).

In addition, there are other significant factors like technological characteristics and task characteristics that are unnoticed in the model (Khoshtinat, Bojei, Ahmadin, 2014).

To assess the successful match between the task and the information technology and character of users, many authors like (Goodhue and Thompson, 1995) suggest a relevant research model that covers most of the factors that explain the adoption decision of electronic CRM. The Task Technology Fit model (TTF), which is an organizational assessment tool for Information Systems (IS) and services (Goodhue,1995).

Despite the importance of the task-technology adjustment model (Goodhue, 1995) in explaining the adoption of IT technological innovation, it does not consider an aspect of great importance; the interaction between the user and the task (Khoshtinat, Bojei, Ahmadin, 2014). Given the contributions but above all to overcome the limits of the theory of diffusion of innovations (Rogers, 2003), the unified theory of acceptance and use of technology and the task-technology adjustment model (Goodhue, 1995), we propose an integration of these three theoretical frameworks to judiciously explain the adoption of e-CRM in service companies.

2. In light of these findings, we can ask the following question:

What are the determinants of the use and adoption of the e-CRM system in service companies?

Based on the diffusion of innovation theories (Rogers, 2003), the Unified Theory of Acceptance and Use of Technology (UTAUT), and the Task Technology Fit model (TTF), our main objective is to develop an integrated model of the main factors of CRM adoption by determining the behavioral intention of marketing managers in the service sector.

3. II. Literature Review and Hypothesis

The unified theory of acceptance and use of "UTAUT" technology justifies using ICT essentially from four fundamental determinants of behavioral intention: expected performance, expected effort, social influence and, the facilitating conditions. These four elements make it possible to prove using ICT (Venkatesh et al., 2003). The UTAUT model (Venkatesh, 2003) will be enriched by another variable, innovativeness. This extension of the UTAUT model is recommended by .

4. a) Effort expectancy and behavioral intention

Effort Expectancy is defined as "the degree of ease associated with the use of the system" (Venkatesh, 2003). When companies adopt the e-CRM system, they traditionally compare it with existing systems. If they feel that the system is easily understood and used, their willingness to adopt it will be strengthened (Pai, Tu, 2011).

This finding is confirmed by Park et al. (2007), Tan et al. (2010) and Yu (2012) by applying the UTAUT model. Accordingly, we assume a relationship between effort expectancy and intention to use the e-CRM system in service companies.

H1: Effort expectancy affects significantly and positively behavioral intention.

5. b) Social influence and behavioral intention

This construct is defined as "the degree to which an individual perceives that important others believe that he or she should use the new system" (Venkatesh,2003) Pai, Tu, 2011 take into consideration that behavioral intention will be enhanced when the company adopted the e-CRM system, will create a higher social limpact. H2: Social influence affects significantly and positively behavioral intention.

6. c) The facilitating condition and intention of adopting the e-CRM system in service companies

Facilitating conditions are defined as "the degree to which an individual believes that an organizational and technical infrastructure exists to support the use of the system" Venkatesh et al. (2003). They are often theorized to have a direct effect on the intention and use of the information system (Venkatesh et al. 2003). The study by Venkatesh et al. (2003), and Chiu and Wang (2008) found that when users find that they have a fairly high capacity to use and support resources, this results in a more positive acceptance of information technology.

Facilitation conditions in both TAM and UTAUT are a direct determinant of adoption intention. Studies have found that the enabling conditions directly affect behavioral intention (Thompson et al. 1991, Taylor & Todd, 1995).

7. H3:

The facilitating condition positively and significantly affects the intention to adopt the e CRM system.

8. d) Performance expectancy and behavioral intention

Performance expectancy is defined as "the degree to which the user expects that using the system will help him or her attain gains in job performance" (Venkatesh et al. 2003). It has been shown by several studies to be a very significant determinant in the explanation of the intention to adopt a technology (Ouedraogo, 2011;Venkatesh et al. 2003). In general, when companies need to invest in technological innovation, the main consideration in system implementation is whether the technology or system can improve overall performance or can effectively perform the defined task (J.-C. Pai, F.-M. Tu, 2011). Indeed, the technological innovation of information systems can only be adopted within service companies if the staff perceive the gains in terms of efficiency, speed and, performance in the execution of tasks, also, if he sees these new tools as real opportunities to ensure not only professional care, but also to promote business activities. H4: Performance expectancy positively and significantly affects behavioral intention.

9. e) Innovativeness and behavioral intention

Innovativeness is defined as "the degree of adoption of innovations and highlights the extent to which the organization is receptive" (Venkatesh 2003). Authors such as Roehrich (1994) and Frini and Limayem (2001) have found a prominent positive correlation between innovativeness and the propensity of behavioral intention towards the use of innovations. H5: Innovativeness has a positive effect on behavioral intention.

10. f) Behavioral intention and intention to adopt the e-CRM system in service companies

Behavioral intention is defined as "the subjective probability that a person will engage in the behavior in question" (Fishbein &Ajzen, 1975). Indeed, previous research indicates that the user shows a greater willingness to adopt the new system when supported by the organizational or technological structure (Chiu & Wang, 2008;Venkatesh et al. 2003).

11. H6:

The behavioral intention of the adoption the e-CRM system has a positive effect on the intention to adopt it.

The testability of the e-CRM system in service companies and the intention to adopt it Testability is defined as "the degree to which an innovation can be tested over a limited field before its use" (Rogers, 2003). A new idea is generally faster to adopt than other ideas (Rogers, 2003). This possibility would allow the individual or any other adoption unit to better understand how an innovation works and its importance. Thus, an innovation that we can pre-test present less risk to the individual or organization that intends to adopt it (Rogers, 2003). Potential adopters who are allowed to experiment with the innovation will feel more comfortable and be more likely to adopt it (Agarwal & Prasad 1998) and Rogers (2003).

12. H7:

The testability of the e-CRM system has a positive effect on the intention to adopt it.

g) The observability of the e-CRM system in service companies and the intention to adopt it Observability is defined as "the degree to which the results of new information technologies are visible and accessible". The clearer the results of adopting these systems, the more easily individuals will adopt them (Rogers, 2003). Robertson (1971) points out that observability correlates positively with the adoption of a new system.

13. H8:

The observability of an e-CRM system has a positive effect on the intention to adopt it.

14. h) The perceived risk and intention of adopting the e-CRM system in service companies

Perceived risk is defined in the literature as "the perceived uncertainty in a purchasing situation that affects people's confidence in their decisions" (Im et al. 2008).

Toufaily, Daghfous and, Toffoli, 2009 confirmed that perceived risk is a determining factor adopting of a new system. The more the manager perceives a high risk in the face of innovation, the lower the adoption rate will be and vice versa.

In this same framework, Robertson (1971) approves the negative correlation between the adoption of innovations and perceived risk. Ostlund (1969) explained, for his part, that the lower the level of perceived risk, the more we see a high adoption rate. The perceived risk is thus a determining factor in the adoption of a new product.

15. H9:

The perceived risk of the e-CRM system has a negative effect on the intention to adopt it.

16. i) The characteristics of the tasks and the tasktechnology adjustment

The characteristics of the tasks are those that a user must mobilize. They are measured by the following criteria: the complexity of the task (the routine versus non-routine aspect) and the interdependence between the tasks (transversality) (Goodhue and Thompson, 1995).

The task-technology fit "is the degree of correspondence between the functional need for the task, the individual capacities and the technical functionalities offered by the system" (Goodhue and Thompson, 1995). In this regard Goodhue and Thompson (1995), assert that the characteristics of the task are directly affected by the characteristics of a specific system, or the efficiency of the use of information technologies and the technical functionalities of the system. The study by Dishaw and Strong (1999) shows that the characteristics of the tasks will directly influence the task-technology fit. H10: The characteristics of the tasks positively affect the task-technology fit.

j) The characteristics of the technology and the tasktechnology fit Dishaw and Strong (1999), have shown that workgroups and characteristics of technology directly influence task-technology adjustment. Likewise, the task-technology fit will be improved when technological performance increase (Goodhue and Thompson, 1995). The fit between the tasks to be performed and the technology used in organizations has a direct influence on the use (Dishaw and Strong, 1999), Venkatesh (2003).

H11: The characteristics of the technology positively affect the task-technology fit.

17. k) The characteristics of the technologies and the intention of adopting an e-CRM system in service companies

Research by Goodhue and Thompson (1995) found that the user's cognition and belief determine the strength of behavioral intention, subsequently affecting the final performance of the current behavior.

18. H12:

The task-technology fit significantly and positively affects behavioral intention.

19. l) The influence of moderating variables

We retained the two demographic variables: sex and age, as two moderating variables in our study.

m) The influence of age Rogers (1995) has shown that "adopters are usually younger". Igbaria and Parasuraman (1989) note that "older people tend to be less exposed to ICTs, therefore less flexible and more resistant to change. As a result, their anxiety about computers increases and thus reduces their likelihood of using these systems. " Zoltan and Chapanis (1981) show that "the attitudes of older people towards computers are more negative than those of younger people". Moreover, "the oldest have a weaker perception of the usefulness of personal computers" (Igbaria, 1993).

20. H13:

The age of the user of an e-CRM system has a moderating effect on the relationship between the determinants of e-CRM system adoption and the intention to use this system.

21. n) The influence of sex

The influence of sex on the use of technologies is tested by several studies in the field of the acceptance of various technologies: the microcomputer (Igbaria and Parasuraman, 1989), e-mail, m-commerce , online banking services (Martins et al. 2013) and mobile banking services (Yu, 2012).

22. H 14:

The sex of the user of the e-CRM system has a moderating effect on the relationship between the determinants of adoption of the e-CRM system and the intention to use these systems.

The conceptual model which summarizes all the assumptions made is as follows:

Figure1: Conceptual model of research

23. Research Methodology

This research was conducted in the context of the Tunisian market. A quantitative questionnaire study was used in this research.

24. a) Data collection

In CRM research in general, the sampling populations under study are companies with large customer databases operating in sectors with great competitive pressure that pushes them to differentiate themselves, in particular companies operating in the B to C sector (Coltman et al., 2011).

Our choice focused on Tunisian companies with a customer database (Coovi 2010), particularly the service sector. "A priori judgment" sample method was chosen since the companies selected to be part of the sample are those which think, before questioning them, that they may have crucial information for the study (Giannelloni et al. Vernette, 2012, p.284). We use the "prior judgment" sampling method when we take a sample based on certain judgments about the whole population. The assumption underlying its use is that the enumerator will select units that will be characteristic of the population. The measurement scales used have been adapted from previous research where they have shown good validity. To ensure content validity, the vocabulary of these scales has been adjusted to the context using the CRM system.

25. c) Method of data analysis

We used the method of structural equations, which are confirmatory techniques that aim to validate hypotheses using SPSS 20 and AMOS20 software.

IV.

26. Search Results

27. a) Purification and reliability of measurement scales

A confirmatory factor analysis was performed to assess the psychometric qualities of the scales for measuring latent variables and to test research hypotheses. We made the modifications by adding covariance links between the errors in order to improve the goodness of fit of our measurement model. The reliability of the scales is satisfied (? of Jöreskog and ? of Cronbach> 0.7).

The convergent validity of the scales is satisfactory (?VC> 0.5) according to the criterion of Fornell and Larcker. The results also show that the discriminant validity is satisfied. The discriminant validity of all the constructs is verified.

28. b) Testing hypotheses

To judge whether the hypothesis is supported or not, we need to move on to studying regression links.

To judge a relationship like significant, it should be checked that the CR is greater than 1.96 with a significant p (p must be less than 5%). The results show that expected effort and social influence have a positive effect on behavioral intention are rejected. These results are surprising contradict with the results of previous research, whether in the context of UTAUT (Venkatesh et al., 2003).

Also, the results of the current study show that there is a significant positive relationship between the facilitate conditions and the intention e-CRM system.

This result is consistent with the work of Venkatesh et al. 2003.

Facilitating conditions are often theorized to have a direct effect on the intention and use of SI (Venkatesh et al. 2003). Venkatesh et al. (2003) and Chiu and Wang (2008) found that when users have high utilization capacity and support resources, they show more positive acceptance of information technology.

It is recommended that marketing managers integrate the e-CRM system. Since it is easy to use, it does not require strong computer skills.

Then, there is a significant and positive relationship between expected performance and behavioral intention. This result is consistent with the work of Wang2008. Indeed, performance expectancy is one of the most powerful predictors of intention built into the UTAUT model as this system is seen as useful for marketing functions.

In addition, it is supposed to provide assistance to different managers (regardless of their level) for the analysis of daily activity and decision-making. The software is supplied monthly for weekly management of the activity (schedules and promotion).

The effect of innovativeness on behavioral intention is confirmed.

This result is consistent with the results of previous research, Venkatesh 2003, Roehrich 1994and, Frini and, Limayem 2001. It is recommended to use the e-CRM system since it is seen as useful for marketing functions; It can manage business problems and help improve performance, it is assumed assist to various managers (regardless of their level) for the analysis of daily activity and decision-making.

The behavioral intention of implementing an e-CRM system to have a positive effect on the intention to adopt it is validated.

This result is consistent with the work (Chiu & Wang, 2008;Venkatesh and Davis, 2000;Venkatesh et al. 2003), which shows that from a certain level of experience, the intention was a better explanatory variable of the intention of use.

About this outcome, service companies must support leaders with a technology or a solid organizational structure that meets their expectations.

If the leader is well trained the e-CRM system, it will have a positive effect to adopt this system.

If the leader is well trained while the company implements the CRM system, it will produce a positive effect on the use of CRM.

The testability of the e-CRM system effects the intention to adopt the e-CRM system; it is best for marketers to test the system before adopting it.

Exploratory and confirmatory factor analysis decomposed this concept into two dimensions: The rejection of the first dimension can be explained by the fact that observability of the system by other users and observability outside the company do not affect the intention to adopt the system.

The acceptance of the second dimension is explained by the fact responds to the real needs of customers and allows the rapid flow of data.

The perceived risk has a negative effect on behavioral intention is validated. This result confirmed by previous studies (Im et al., 2008;Pavlou, 2003;Toufaily, Daghfous and Toffoli, 2009;Robertson, 1971;Ostlund, 1969).

As a result, service companies must ensure that customer personal information is not disclosed while using this system.

According to Goodhue and Thompson (1995), the characteristics of the technology are measured by the functionality of e-CRM system:

The exploratory and confirmatory factor analysis allowed us to identify two dimensions, analytical capacity and customer relationship.

The results showed that only the customer relationship determines the task-technology fit. This result is consistent with the work of (Payne 2006).

The e-CRM system integration helps marketers maintain relationships with customers and provide a single view of the customer through the match between task and technology.

The results of the current study show that there is a significant and positive relationship between tasktechnology intention. This result is consistent with the work of Goodhue and, Thompson (1995).

The age of the marketers has a moderating effect on the relationship between the expected effort and the intention to use an e-CRM system. Our results show that the youngest respondents think that using the e-CRM systems will be easier. We can therefore conclude that older leaders are ready to use these systems, but they are more sensitive to the difficulty of learning to use these systems. This confirms the results of Venkatesh and al. (2003) Age also has a moderating effect on the relationship between social influence and intention to use an e-CRM system. Indeed, in our study, social influence was crucial for older respondents. This result is consistent with the results of Venkatesh et al. (2003), this could be ainteresting, especially in the initial phase of the experience when individuals is more likely to rely on the opinions of others (Agarwal & Prasad, 1999). Moreover, they tend to be less flexible and more resistant to change (Igbaria and Parasuraman, 1989).

Age also has a moderating effect on the relationship between the use of e-CRM system and the conditions of facilitation. Our results confirm the results of Venkatesh et al. (2003) and, Venkatesh and Zhang (2010), the literature shows that the youngest are always the most interested in technologies (Rogers, 1995); on the other hand, older people tend to be less exposed to ICT (Zoltan et Chapanis, 1981;Igbaria and Parasuraman, 1989) therefore, they believe that the use of the e-CRM system requires technological resources and knowledge.

In contrast, the gender of the respondents does not affect] the factors influencing intention to use. These are contradictory with the literature (Venkatesh et al., 2003;Garbarino and Strahilevitz, 2004;Nysveen et al., 2005;Park, 2007;Cruz et al. 2010;Riffai et al., 2012). (Venkatesh, 2003) which assumes that men are more likely to rely on the performance expectancy of technology.

29. d) Conclusion

Based on the diffusion theory of innovation (Rogers, 2003), the innovation diffusion theory (Rogers 2003), the Unified Theory of Acceptance and Use of Technology (UTAUT), and the Task Technology Fit model (TTF), our main objective is to develop an integrated model of key success factors of adoption e-CRM system by determining the intention behavioral in the service sector in Tunisia.

The results of our research agree with those of previous research (Venkatsh, 2003;Rogers, 2003;Goodhue and Thompson,1995), which allows us to underline the importance of the variables of the three theories in the formation of intention towards the adoption of CRM system in service sector.

This work is based only on reviewing the literature relating to the main models developed in psychology and sociology (TDI, UTAUT, TTF).

As a future way of research could attempt to invite subsequent studies to integrate other model to explain better the determinants of the adoption of the e-CRM system in service companies.

Such as the Information Systems Success Model (ISSM) (Delone, 2003;DeLone and McLean, 1992).

A second limitation, is the non-integration of certain relevant variables in our adoption model. As a future line of research, we propose to integrate the satisfaction as a variable influencing the intention of adopting the e-CRM system. The results of the work of (Bhattacherjee, 2001) show that satisfaction with the use of an IS is a powerful determinant of the intention to use the system.

We also propose to integrating the culture variable as a moderating variable that can enrich our model since it plays a primordial role in the adoption of technology that makes it possible to change individual belief systems (Venkataesh and Zhang (2010).

A final limitation, given the complexity of collecting data from service companies, we used a single survey to conduct the AFE and the AFC.

As a future avenue of research, it is preferable to use two different samples to increase the generalization of the results

Figure 1. Table 1 :
1
Sectors Respondents %
Financial services sector 160 47,1
Telecommunication sector 117 34,4
Sector NTIC 63 18,5
Total 340 100,0
Member of leader 16 4,7
Post Marketing Manager Sales manager 160 134 47,1 39,4
Other 30 8,8
Total 340 100,0
Number of permanent employees
Less of 20 150 44,1
Between 20 et 49 8 2,4
Between50 et 99 44 12,9
100 and more 138 40,6
Total 340 100,0
Experience
Aucune 18 34,7
For less than 1 year 66 19,4
For a period of between 1 and 5 years 145 13,2
For a period between 5 and 10 years 107 31,5
For more than 10 years 4 1,2
Total 340 100,0
b) Measurement of variables
All items are measured on a 5-point Likert scale.
Figure 2. Table 2 :
2
Concepts Number of items Authors
Expected effort 4items Venkatesh et al. (2003)
Social influence 4 items Venkatesh et al. (2003)
Facilitate condition 4 items Venkatesh et al. (2003)
Expected performance 4 items Venkatesh et al. (2003)
Innovatively 3 items Jones et al. (2002)
Testability 6 items Rogers (2003)
Figure 3. Table 3 :
3
Concepts/ Numbers of Items eliminated Factors Items after ACP Reliability
Expected effort (3items) EE1 F1 EE2 EE3 0.645
EE4
Social influence(4items) SI1 SI4 F1 SI2 SI3
Facilitate condition(4items) FC3 FC1 FC2 FC4 F1 0.633
Expected performance (4 items) F1 F2 EP1 EP4 EP2 EP3 0.835
Innovativity (3items) I3 F1 I1 I2 0.658
Percived risk (3items) F1 PR PR2 PR3 0.645
Technological F1 INT1 INT2
characteristics
(2items) practical CRM (4 items) PCRM4 F1 PCRM1 PCRM2 PCRM3
Figure 4. Table 4 :
4
Indice Chi-deux DL Chi-deux/ DL P GFI AGFI NFI TLI RMR RMSEA
Valeur 681.1 4 9 47 9 1,42 ,075 0,9 0,9 ,78 3 ,90 ,064 , 044
Seuil ----- ---- <2 >0.0 5 ?0. 9 >0.9 >0. 9 >0. 9 0 <0.08
Figure 5. Table 5 :
5
Year 2021
7
Volume XXI Issue I Version I
( ) C
Items EA2 EA3 Somme IS2 IS3 Somme CF1 CF2 CF4 CF EST 1 1 2 1 1 2 1 0.475 0.55 Variance des erreurs 0.325 0.264 0.589 0.738 1.011 1.749 0.026 0.14 0.21 Rho de Jöreskog VME 0.871 0.772 0.695 0.533 0.915 0.801 Global Journal of Computer Science and Technology
Somme 2.025 0.379
I1 1 0.236 0.881 0.787
I2 1 0.303
Somme 2 0.539
O9 1 0.986 0.66 0.5
© 2021 Global Journals
Figure 6. Table 6 :
6
Concepts Rho de Joreskog
Compatibility 0.73
Perceived utility 0.9
Perceived ease of use 0.63
Trust 0.79
Perceived risk 0.98
Figure 7. Table 7 :
7
Concepts VME
Compatibility 0.7
Perceived ease of use 0.9
Perceived utility 0.64
Trust 0.89
Perceived risk 0.72
Figure 8. Table 8 :
8
EA IS CF I O OO T RP ORI CP CA RC NRI T IT TTF PA IC IU
EA 0.87 85
IS -0.08 4 0.73 0
CF 0.46 8 -0.21 0.89 4
I 0.38 8 -0.20 2 0.30 2 0.88 7
O 0.11 9 -0.10 9 0.13 1 0.05 9 0.70 7
OO -0.01 8 0.13 5 0.20 5 -0.01 0.48 5 0.77 5
T -0.67 0.00 5 -0.09 2 -0.04 1 -0.21 6 -0.17 1 0.96 4
RP -0.03 3 0.11 9 0.05 5 0.01 9 0.15 1 0.11 2 -0.15 9 0.77 4
Figure 9. Table 9 :
9
Estimate S.E. C.R. P H
IC <--- EA ,019 ,381 ,049 ,961 Not confirmed
IC <--- IS ,067 ,195 ,344 ,731 Not confirmed
IU <--- CF 2,069 ,544 3,802 *** Confirmed*
IC <--- PAa ,579 ,245 2,361 ,018 Confirmed *
IC <--- I ,797 ,181 2,124 ,001 Confirmed *
Confirmed *
IU <--- T -,076 ,056 -1,971 ***
IU <-- Oo -,165 ,083 -1,992 ,046 Confirmed *
1

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Date: 2021-07-15