Abstract
Digital finance represented by the Internet of Things (IoT) has strong penetration and integration. The real economy has always been an important cornerstone of social and economic development. As a bridge between producers and consumers, the commercial circulation industry also plays an irreplaceable role in the healthy development of social economy. Therefore, this study is based on the Capability Maturity Model (CMM), the integration maturity is divided into four categories, and the results are qualitatively analyzed. The research results show that under the Internet of Things mode, the integration development maturity level and the integration development maturity are concentrated at a lower stage (defined level).
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