THE IMPACT OF INTERNET OF THINGS (LOT) ON OPERATIONAL EFFICIENCY OF COMMERCIAL BANKS: PERCEIVED USEFULNESS AND EASE OF USE AS MEDIATORS. IJIBS [Internet]. 2026 Jun. 29 [cited 2026 Jul. 14];21(1):74-93. Available from: https://ijibs.utm.my/index.php/ijibs/article/view/204