Relevant bibliographies by topics / Digital transformation of banks

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Digital transformation of banks'

Author: Grafiati
Published: 30 May 2022
Last updated: 31 July 2025

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Journal articles on the topic "Digital transformation of banks"

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Ngan Bich Nguyen, Ngan Bich Nguyen. "Impacts of ESG Performance on the Profitability of ASEAN-6 Commercial Banks in the Context of Digital Transformation." GLOBAL BUSINESS FINANCE REVIEW 29, no. 5 (2024): 60–71. http://dx.doi.org/10.17549/gbfr.2024.29.5.60.

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Purpose: This study's primary goal is to examine the relationship between Environmental, Social, and Governance (ESG) performance and profitability in ASEAN-6 commercial banks amid digital transformation. Design/methodology/approach: To reach this purpose, the paper uses linear regressions to explore the three re-search questions: “What are impacts of ESG performance on banks' profitability?”, “What are impacts of digital transformation on bank's ESG performance?”, “How is moderate effect of digital transformation to impacts of ESG performance on banks' profitability?”. The paper employs data
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Bezhan, Oleh A., and Nataliia B. Roshko. "The Problems and Prospects of Digital Transformation of the Banking Sector of Ukraine." Business Inform 12, no. 551 (2023): 287–93. http://dx.doi.org/10.32983/2222-4459-2023-12-287-293.

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Digital transformation is a key driver of changes in the established state of the banking sector both in Ukraine and in the world as a whole. Digital transformation is a lever for strengthening the level of efficiency of banks and increasing the level of profitability of activities by optimizing costs, deepening customer analytics, and accelerating managerial decision-making in the bank. Digital transformation also poses a number of challenges for the established work of banks that have not prioritized their work in the field of digitalization. Accordingly, the problems of planning and impleme
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Zhu, Yongjie, and Shanyue Jin. "How Does the Digital Transformation of Banks Improve Efficiency and Environmental, Social, and Governance Performance?" Systems 11, no. 7 (2023): 328. http://dx.doi.org/10.3390/systems11070328.

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In the era of the digital economy, traditional industries have begun to realize digital transformations. For commercial banks, digital transformation is a trend and a requirement and is the only way to achieve sustainable development. At the same time, at the helm of the enterprise, executives play an essential role in the development of commercial banks. This study explored the relationship between digital bank transformation and bank efficiency, environment, society, and corporate governance (ESG) through empirical analysis, and how executives’ innovation awareness and executive technical ba
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Carbó‐Valverde, Santiago, Pedro J. Cuadros‐Solas, Francisco Rodríguez‐Fernández, and José Juan Sánchez‐Béjar. "Digital innovation and de‐branching in the banking industry: Customer perception and satisfaction." Global Policy 15, S1 (2024): 8–20. http://dx.doi.org/10.1111/1758-5899.13313.

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AbstractIn the ever‐changing landscape of the banking industry, digital transformation has become a major challenge. Banks are transitioning towards digitalisation by utilising information and digital technologies while reducing their branch networks. This paper investigates the relationship between technological innovation and banking customers' perception and satisfaction. By analysing a comprehensive consumer finance survey, we assess how the digital transformation of banks is perceived by customers and its impact on their satisfaction. Our results demonstrate that customer perceptions of a
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Shanti, Riris, Hermanto Siregar, Nimmi Zulbainarni, and Tony. "Role of Digital Transformation on Digital Business Model Banks." Sustainability 15, no. 23 (2023): 16293. http://dx.doi.org/10.3390/su152316293.

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Digital technology has been raising the competition between banks and other financial service providers, and encourages banks to undergo digital transformation and introduce innovation in their products and services. However, the high investment required cannot be ignored when undergoing the digital transformation. A few research studies have examined the digital transformation effects on bank’s financial performance. This research aims to examine the digital transformation’s effect on bank profitability, specifically on banks with digital business models. Using digital banks’ profitability as
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Laras Pratiningsih and Nurhastuty Kesuma Wardhani2. "DIGITAL TRANSFORMATION AND BANK PERFORMANCE." International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) 2, no. 6 (2024): 1979–93. https://doi.org/10.61990/ijamesc.v2i6.336.

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This study aims to investigate the effect of digitalization on bank profitability among Indonesian Banks. The research employs OLS on panel data of 50 banks in Indonesia during the period 2018–2022.The study reveals a positive impact of digitalization on bank profitability. The result is robust to different measures and empirical settings. Not surprisingly, small banks experience lower profitability than their peers. However, digitalization helps improve the profitability of these banks. This study explains the effect by showing that digitalization does not significantly reduce bank cost in te
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Sendjaja, Theodorus, Veithzal Rivai Zainal, Erna Sofriana Imaningsih, Lenny Christina Nawangsari, and Singmin Johanes Lo. "Digital Bank Transformation: Sustainable Innovation in Financial Institutions." Journal of World Science 1, no. 12 (2012): 1118–31. http://dx.doi.org/10.58344/jws.v1i12.136.

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Introduction: Bank digital transformation is a continuous innovation from conventional commercial banks to digital banks. The driving force in traditional retail banks to carry out sustainable innovation can be seen from the internal and external sides in the form of mutually supportive operations and strategies. In the face of competitive pressures, businesses in the financial services industry increasingly depend on innovation and sustainability to succeed and survive. The stress of business competition has made many banks worldwide close their branch offices in recent years. Method: This st
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Huang, Zijing. "Research on the Impact of Digital Transformation of Commercial Banks on Profitability." SHS Web of Conferences 163 (2023): 02015. http://dx.doi.org/10.1051/shsconf/202316302015.

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Under the background of digital finance, this paper uses Stata to empirically study the impact of digital transformation on the profitability of commercial banks. This study examines how digital transformation affects the profitability of commercial banks by developing a fixed effect regression model using data from 16 Chinese listed commercial banks from 2012 to 2021 as research samples. Furthermore, the heterogeneity analysis is conducted to investigate the difference of the impact of digital transformation of different types of commercial banks on profitability. The research results show th
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Thuda, Audy, Mohammad Hamsal, Dezie Leonarda Warganegara, and Pantri Heriyati. "The role of business transformation strategy in Indonesian regional development banks." Banks and Bank Systems 19, no. 4 (2024): 258–73. https://doi.org/10.21511/bbs.19(4).2024.20.

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Rapid advances in technology and shifting customer expectations have intensified competition in the financial industry, forcing Indonesia’s banking sector to adopt adaptive and innovative strategies to remain competitive in an increasingly complex and uncertain environment. This study investigates the role of business transformation strategy in organizational performance. Employing a quantitative approach using Structural Equation Modeling (SEM), the study analyzes data collected from 255 Branch Managers across 27 Regional Development Banks in Indonesia. The coefficient of determination for th
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Chen, Jiangyan, Yani Tian, and Zhen Shen. "Research on the Impact of Digital Transformation on Commercial Bank Performance." Frontiers in Management Science 3, no. 3 (2024): 31–34. http://dx.doi.org/10.56397/fms.2024.06.04.

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This paper takes 60 commercial banks undergoing digital transformation from 2015 to 2021 as samples and uses the Peking University Digital Transformation Index to empirically test the impact of digital transformation on commercial banks’ operating performance. The results show that: Digital transformation has a positive impact on the business performance of commercial banks; the impact of digital transformation on the operational performance of commercial banks of different sizes is heterogeneous. At present, the digital transformation of China’s commercial banks is still in the initial stage,
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Dissertations / Theses on the topic "Digital transformation of banks"

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姚佩雯 and Pui-man Yiu. "Multiplier-less sinusoidal transformations and their applications to perfect reconstruction filter banks." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 2002. http://hub.hku.hk/bib/B31228045.

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Fayon, David. "Mesure de la maturité numérique des acteurs du secteur bancaire, dans une perspective de transformation digitale." Thesis, Université Paris-Saclay (ComUE), 2018. http://www.theses.fr/2018SACLT013/document.

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La banque est un secteur en première ligne de la transformation digitale et se classe en 4e position des secteurs les plus transformés numériquement derrière les technologies de l’information et de la communication, les médias et les services professionnels (Gandhi & al, 2016). En outre, l’explosion des données et le besoin de traitement en temps réel est un défi pour les acteurs pour répondre ou anticiper les besoins des clients. En ce sens, la transformation digitale des banques est emblématique des opportunités et des risques de notre société numérique.Les études tendent à prouver que l
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Nazmul, Hossain Sabrina. "Hur banken arbetar med Digital Transformation : En kvalitativ studie på en nordisk bank och deras digitala transformationsarbete." Thesis, Linnéuniversitetet, Institutionen för informatik (IK), 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-104658.

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Bakgrund: Den digitala utvecklingen har varit den största utvecklingen för banker under de senaste åren. Enligt Svenska Bankföreningen (2020) så är finanssektorn utsatt för ett starkt förändringstryck och många nya företag, både svenska och utländska, har etablerat sig på marknaden. Kontinuerliga innovationer som stör traditionella affärsmodeller, utvidgning av affärsekosystem, framträdande av nystartade företag inom finansiell teknik (Fintech) och kundernas preferens för digitala upplevelser gör det absolut nödvändigt för traditionella finansinstitut att anamma digital teknik. Flera nyhetsart
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Duplessis-Beaulieu, François. "Multicarrier transceivers using DFT filter banks with perfect reconstruction property." Thesis, McGill University, 2008. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=115865.

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In recent years, multicarrier modulation techniques have stirred great interest among engineers and researchers working in the field of telecommunications. Multicarrier systems are characterized by the fact that constellation symbols are modulated in parallel onto several distinct subcarriers. One specific form of multicarrier modulation, referred to as OFDM (orthogonal frequency division multiplexing), has been deployed in many applications, such as in wireless LAN (local area network) routers, in high-definition television tuners, and in DSL (digital subscriber line) modems. Multicarrier and
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Fayon, David. "Mesure de la maturité numérique des acteurs du secteur bancaire, dans une perspective de transformation digitale." Electronic Thesis or Diss., Université Paris-Saclay (ComUE), 2018. http://www.theses.fr/2018SACLT013.

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La banque est un secteur en première ligne de la transformation digitale et se classe en 4e position des secteurs les plus transformés numériquement derrière les technologies de l’information et de la communication, les médias et les services professionnels (Gandhi & al, 2016). En outre, l’explosion des données et le besoin de traitement en temps réel est un défi pour les acteurs pour répondre ou anticiper les besoins des clients. En ce sens, la transformation digitale des banques est emblématique des opportunités et des risques de notre société numérique.Les études tendent à prouver que l
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Al-Chalabi, Mustafa, and Lawand Bahram. "The Digital Transformation of the Swedish Banking Industry : A study on the digitalisation of Swedish banks and how it affects their perspective on customer experience." Thesis, Uppsala universitet, Institutionen för informatik och media, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-360164.

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The Swedish banking industry has long been at the forefront when it comes to digital leadership. Currently, this industry is starting to fall behind other industries, and a closer look at the industry reveals that niche banks are having less trouble with adapting new technologies than bigger banks. There are a lot of studies on specific digitalisation areas within banking but nothing comprehensive about the strategies required for digital transformation within the banking industry. As the research area is new, there is little previous research on digital transformation by today’s standards. Th
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Carlsson, Josefine, and Linnéa Falk. "Att styra informellt : En studie om hur digitaliseringen påverkar användningen och anpassningen av informella styrmedel inom banksektorn." Thesis, Linköpings universitet, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-166071.

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Bakgrund: Banksektorn befinner sig i en allt mer komplex och föränderlig miljö på grund av digitaliseringen och dess påverkan på samhället. Till följd av den snabbföränderliga marknaden ställs det krav på hur bankerna internt organiserar sin verksamhet för att fortsatt vara konkurrenskraftiga. De mindre formella styrmedlen har därav fått en mer central roll då de är mer flexibla och lättare kan anpassas utifrån den snabbrörliga omgivningen. För att uppnå en flexibilitet som gör att bankerna kan följa med i förändringen krävs därför en förståelse för de informella styrmedlens anpassning och anv
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Carlsson, Frida, and Linda Simonsson. "Digitaliseringens inverkan på medarbetarskap och ledarskap. En fallstudie av Nordea Bank AB." Thesis, Linnéuniversitetet, Institutionen för organisation och entreprenörskap (OE), 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-75679.

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Digitaliseringen har reformerat många aspekter av vårt samhälle och den pågående digitala utvecklingen är oundviklig. Organisationer tvingas därmed till två val; att genomgå förändring eller försvinna från marknaden. Genom en kvalitativ forskningsmetod ville vi skapa en ökad förståelse för digitaliseringens inverkan på en organisation med betoning på medarbetarskap och ledarskap. För att uppnå detta har vi genomfört en fallstudie tillsammans med Nordea Bank AB Sverige. Vi genomförde 12 stycken semistrukturerade intervjuer och observerade 3 stycken olika arbetsplatser fö
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Andersen, Jonas. "The dynamics of distributed digital innovation : an analysis of the radical transformation of frontline customer service in a UK retail bank." Thesis, University of Warwick, 2016. http://wrap.warwick.ac.uk/91956/.

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This thesis shows how small-scale actions can accumulate into radical organisational transformations catalysed and enhanced through digital technology. Current literature on digital innovation and path creation offer powerful views on such transformations emphasising the vistas of opportunity opened by generative and flexible digital technology, and how new technology can be leveraged for organisational transformation. Digital transformations have predominantly been portrayed from the centralised perspective of a manager, entrepreneur or group of designers. However, emerging research on distri
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Syrén, Matilda, Max Svensson, and Johanna Andersson. "Det lokala bankkontoret i digitaliseringens fotspår : En kvalitativ undersökning av de lokala bankchefernas kundrelationsskapande under den digitala transformationen." Thesis, Linnéuniversitetet, Institutionen för ekonomistyrning och logistik (ELO), 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-105526.

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Bakgrund och problem: Den digitala transformationen har drastiskt påverkat hur bankernaskunder genomför sina bankärenden och de spenderar mindre tid på bankkontoret än tidigare.Samtidigt som bankerna vill att kunden ska bli mer självständig med sina bankärenden i ettlönsamhetssyfte vill de fortfarande ha en stark relation med kunden. Det är en utmaning förde lokala bankkontorscheferna att skapa långvariga kundrelationer när kunden interegelbundet kommer in till det lokala kontoret och om det lokala bankkontoret inte anpassarsitt arbetssätt riskerar de att kunderna blir mer flyktiga. Syfte: Syf
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Books on the topic "Digital transformation of banks"

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Natocheeva, Natal'ya, Yuriy Rovenskiy, Andrey Garnov, et al. Digital Finance. INFRA-M Academic Publishing LLC., 2024. http://dx.doi.org/10.12737/2091938.

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The textbook is devoted to the theory and practice of digitalization of the financial industry in the Russian Federation and abroad. The essential features of digital finance are considered in the context of the classical theory of finance, money, and risk management; the relationship between economic categories and market processes; new trends in digital financial development. The directions and mechanisms of digital transformation of technologies, services, client programs, business models of financial institutions in various segments of the financial market and the public administration sec
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Wrycza, Stanisław, and Jacek Maślankowski, eds. Digital Transformation. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-85893-3.

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Leignel, Jean-Louis, Thierry Ungaro, and Adrien Staar. Digital Transformation. John Wiley & Sons, Inc., 2016. http://dx.doi.org/10.1002/9781119377986.

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Neugebauer, Reimund, ed. Digital Transformation. Springer Berlin Heidelberg, 2019. http://dx.doi.org/10.1007/978-3-662-58134-6.

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Maślankowski, Jacek, Bartosz Marcinkowski, and Paulo Rupino da Cunha, eds. Digital Transformation. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-23012-7.

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Vogel-Heuser, Birgit, and Manuel Wimmer, eds. Digital Transformation. Springer Berlin Heidelberg, 2023. http://dx.doi.org/10.1007/978-3-662-65004-2.

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Cioca, Lucian-Ionel, Larisa Ivascu, Florin Gheorghe Filip, and Banciu Doina, eds. Digital Transformation. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-55952-5.

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Maślankowski, Jacek, Bartosz Marcinkowski, and Paulo Rupino da Cunha, eds. Digital Transformation. Springer Nature Switzerland, 2023. http://dx.doi.org/10.1007/978-3-031-43590-4.

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Kumar, Avadhesh, Shrddha Sagar, Poongodi Thangamuthu, and B. Balamurugan, eds. Digital Transformation. Springer Nature Singapore, 2024. http://dx.doi.org/10.1007/978-981-99-8118-2.

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Ivascu, Larisa, Lucian-Ionel Cioca, Banciu Doina, and Florin Gheorghe Filip, eds. Digital Transformation. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-63337-9.

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Book chapters on the topic "Digital transformation of banks"

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Muthaiyah, Saravanan, Thein Oak Kyaw Zaw, Kalaiarasi Sonai Muthu Anbanathen, and Lan Nguyen. "Digital Transformation for SME Banks." In Proceedings of the International Conference on Technology and Innovation Management (ICTIM 2022). Atlantis Press International BV, 2022. http://dx.doi.org/10.2991/978-94-6463-080-0_32.

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Kamrul Hasan, A. K. M. "The impact of Central Bank Digital Currency (CBDC) on the operations of Islamic Banks." In Digital Transformation in Islamic Finance. Routledge, 2022. http://dx.doi.org/10.4324/9781003262169-13.

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Ha, Minh Son, and Thuy Linh Nguyen. "Digital Transformation in Banking: A Case from Vietnam." In Smart Cities in Asia. Springer Nature Singapore, 2022. http://dx.doi.org/10.1007/978-981-19-1701-1_9.

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AbstractThis article aims to examine the literature on digital transformation in the banking sectors and the current commercial banks’ digital transformation landscape in Vietnam. The paper provides examples of some local commercial banks to show that digital banking should be considered an integral part of smart cities. The paper also analyzes the challenges facing Vietnamese banks in their digitalization process to become smarter banks. Next, the study makes some recommendations about how to leverage the digitalization process in the Vietnamese banking system. It can be concluded from this r
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Listiana, Lisa, and Rahmi Edriyanti. "Digitalisation and Sustainable Finance in Indonesian Islamic Banks." In Digital Transformation for Business and Society. Routledge, 2023. http://dx.doi.org/10.4324/9781003441298-9.

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Balaji, Raghunathan, and V. Maiya Rajashekara. "Digital Transformation of Banking." In SMACing the Bank. Auerbach Publications, 2017. http://dx.doi.org/10.1201/9781315119632-1.

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Dutta, Swayambhu, Himadri Sikhar Pramanik, Sayantan Datta, and Manish Kirtania. "Imperatives, Trends and Dynamics of Digital Transformation as Banks Adopt Technology and Intelligent Systems." In Intelligent Systems in Digital Transformation. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-16598-6_14.

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Moloi, Tankiso, and Oluwamayowa Olalekan Iredele. "Risk Management in the Digital Era: The Case of Nigerian Banks." In Digital Transformation in Business and Society. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-08277-2_14.

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Ma, Xiaodong. "An Urban Merchant Bank Builds a Digital Bank." In Methodology for Digital Transformation. Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-19-9111-0_24.

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Zarifis, Alex, and Xusen Cheng. "The Six Ways to Build Trust and Reduce Privacy Concern in a Central Bank Digital Currency (CBDC)." In Business Digital Transformation. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-33665-2_6.

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AbstractA Central Bank Digital Currency (CBDC) can offer several benefits for governments and citizens such as faster transactions at a lower cost, and richer information on consumers’ behaviour. It is important however that the consumer’s perspective on the adoption of CBDCs is not neglected. A CBDC needs consumers to trust and use it, to avoid either a complete failure, or a partial failure. A partial failure may lead to CBDCs being one of two parallel systems’ consumers use. This research uses a survey analysed by structural equation modelling to identify the six ways to build trust in a CB
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Sreekanth, PV, and KB Kiran. "Digital Transformation in Banks: Evidence from Indian Banking Industry." In Interdisciplinary Research in Technology and Management. CRC Press, 2024. http://dx.doi.org/10.1201/9781003430469-31.

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Conference papers on the topic "Digital transformation of banks"

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Adryanshah, Muhammad Daffa, and Dicky Hida Syahchari. "How Digital Orientation, Personality Traits, and Network Strategy Affect Bank Digital Transformation." In 2024 International Conference on Information Management and Technology (ICIMTech). IEEE, 2024. https://doi.org/10.1109/icimtech63123.2024.10780851.

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Dat, Pham Tien, Yuya Yamaguchi, and Kouichi Akahane. "Enabling Fiber-Wireless Technologies For Radio Communications In Millimeter-Wave and Terahertz-Wave Bands In IMT-2030 and Beyond." In 2024 ITU Kaleidoscope: Innovation and Digital Transformation for a Sustainable World (ITU K). IEEE, 2024. https://doi.org/10.23919/ituk62727.2024.10772935.

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Kuncoro, Setyo, Putri Oktalisa Panjaitan, Kevin Eza Rizky, Ahmad Choirun Najib, and Ahmad Syarifuddin Randiko. "Decision-Making Process Reengineering and Digital Transformation Success Story: A Case Study from Bank Indonesia." In 2024 International Conference on ICT for Smart Society (ICISS). IEEE, 2024. http://dx.doi.org/10.1109/iciss62896.2024.10751624.

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Yunanda, Rochania Ayu, Mohamad Heykal, Agustini Hamid, and Prasetya Cahya Saputra. "The Role of Digital Transformation and Bank Size in Enhancing Customer Trust and Banking Performance." In 2025 Joint International Conference on Digital Arts, Media and Technology with ECTI Northern Section Conference on Electrical, Electronics, Computer and Telecommunications Engineering (ECTI DAMT & NCON). IEEE, 2025. https://doi.org/10.1109/ectidamtncon64748.2025.10962108.

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Nikonova, Ya, and A. Ivasenko. "DIGITAL CURRENCIES OF CENTRAL BANKS: IMPLEMENTATION EXPERIENCE AND DEVELOPMENT CONCEPTS." In Digital transformation in the economy of the transport complex. INFRA-M Academic Publishing LLC., 2025. https://doi.org/10.12737/conferencearticle_67893106a07927.14562103.

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The advent of blockchain technology and digital currencies has caused a revolutionary shift in the financial sector. The article examines the advantages, threats and possible problems associated with one type of digital currency – the central bank digital currency (CBDC). A qualitative research method is used to collect data, and the differences between the digital currencies of central banks and the current conditions of their regulation are summarized and compared.
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Nikolić-Ristić, Dragana, and Srđan Todorović. "Digital Transformation Promoters in Marketing Banks." In 24th International Scientific Conference Strategic Management and Decision Support Systems in Strategic Management. University of Novi Sad, Faculty of Economics in Subotica, 2019. http://dx.doi.org/10.46541/978-86-7233-380-0_32.

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Eesee Abed, Sanaa, Abdul Rahim Khala Rahi, and bdullah N.A.Alkateeb. "Digital Transformation in Developing Competencies and Talents in Human Resources." In The 5th International Scientific Conference on Administrative and Financial Sciences (CIC-ISCAFS'2025). Cihan University-Erbil, 2025. https://doi.org/10.24086/icafs2025/paper.1751.

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Abstract— the current research aims to study the impact of digital transformation on improving human resources in Iraqi commercial banks. As well to determine how Iraqi commercial banks benefit from digital technologies in developing human resources talents. The "Role of Digital Transformation in Enhancing Human Resources Competencies and Talents in Iraqi Commercial Banks" was studied through a case study of Rafidain and Rashid Banks in Baghdad. The questionnaire method was used to collect data from 60 employees, and 51 questionnaires were analyzed using SPSS. By improving the digital competen
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Zhou, Xiangxiang, and Lifeng Tu. "Study on Digital Transformation Mode of Commercial Banks." In Fifth International Conference on Economic and Business Management (FEBM 2020). Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.201211.061.

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Kokh, Larisa, and Yuriy Kokh. "Banks and Fintech-companies." In DTMIS '20: International Scientific Conference - Digital Transformation on Manufacturing, Infrastructure and Service. ACM, 2020. http://dx.doi.org/10.1145/3446434.3446533.

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Yusupova, O., and V. Vinichenko. "APPLICATION OF ARTIFICIAL INTELLIGENCE IN THE ACTIVITIES OF BANKS." In Digital transformation in the economy of the transport complex. INFRA-M Academic Publishing LLC., 2025. https://doi.org/10.12737/conferencearticle_678931075647d7.34479950.

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During the economic crisis, competition intensifies in the banking market. It is due to the fact that a decrease in the level of income of the population leads to a decrease in the quality of borrowers, both potential and existing. Banks are not interested in deteriorating the quality categories of loans in their loan portfolio and are forced to refuse borrowers with a high level of maximum debt load. To improve the decision-making process on credit products and the processes of monitoring the quality of existing loans, artificial intelligence technologies have been widely used.
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Reports on the topic "Digital transformation of banks"

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Matchaya, G., G. Y. Ebrahim, M. Aheeyar, O. C. Ajayi, and O. Ajilore. Advancing digital agriculture for climate resilience and economic transformation in Malawi. International Water Management Institute (IWMI), 2025. https://doi.org/10.5337/2025.219.

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Malawi, a landlocked country in Southeastern Africa, is vulnerable to the impacts of climate change. Agriculture is the backbone of its economy, supporting more than 80% of the population, contributing 30% to the national Gross Domestic Product (GDP), and generating 80% of export earnings. The World Bank projects that, under a business-as-usual scenario, climate change could reduce Malawi’s GDP by 3–9% by 2030, 6–20% by 2040 and 8–16% by 2050. These losses are primarily attributed to infrastructure damages, including roads and bridges, and decreased labor productivity due to heat stress. Addit
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Astesiano, Gastón, Carolina Lembo, Cristina Simón Morientes, and Paula Castillo Martínez. Concept Note for the PPP Talk panels on Climate Investment and Digital Transformation. Inter-American Development Bank, 2022. http://dx.doi.org/10.18235/0004573.

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The Inter-American Development Bank (IDB) holds the PPP Americas every two years in partnership with a national or subnational government. The regional forum brings together top professionals and public and private-sector representatives from Latin America and the Caribbean (LAC) to discuss groundbreaking topics and exchange ideas on planning, structuring, and managing public-private partnerships (PPPs). For the 2023 conference, the IDB is holding three preparatory events - the PPP Talks before the main event. During the PPP Talks, invited experts will lay the groundwork for the discussions to
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Sarni, Will, Jared Sheehan, and Taylor Cox. The Digital Journey of Water and Sanitation Utilities in the Caribbean: Current State and Opportunities. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0005323.

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Digital transformation in water utilities can provide numerous benefits for the utilities themselves and the customers they serve. There are many factors that impact an organizations ability to implement digital strategies, such as access to infrastructure and capital, cultural expectations, awareness of new and innovative technologies, and technical skills. The research identified two pressing challenges: access to financial capital and access to skilled labor. It also revealed opportunities to focus on improving sensing systems for water assets, the speed of internal information communicatio
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Nelson, Jennifer, Luis Tejerina, Alexandre Bagolle, et al. Digital Health For All: Social Protection and Health Division Regional Policy Dialogue Report 2022. Inter-American Development Bank, 2022. http://dx.doi.org/10.18235/0004575.

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The Social Protection and Health (SPH) Division of the Inter-American Development Bank (IDB) held its annual Regional Policy Dialogue (RPD) Digital Health for All: Latin America and the Caribbeans golden opportunity to improve the efficiency, quality and equity of sector on September 12-14th 2022 in Panama City, Panama. The RPD brought together over 120 participants, including leaders from over 20 countries, vice-ministers of health and directors of technology and communications, and regional and global experts in digital health. The meeting sought to provide a setting to discuss what the IDB
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Kang’oro, Dorothy, Fidele Ngerero, and Ignatius Odongo. Using Digital Technologies to Improve Tax Collection – the Case of Togo. Institute of Development Studies, 2023. http://dx.doi.org/10.19088/ictd.2023.054.

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The increasing digitalisation of African economies over the past decade, and the spread of mobile money and digital financial services (DFS), has given both opportunities and challenges to tax administrations in Africa. In theory, the use of digital technologies and expanded use of DFS can provide tax administrations with access to extensive new digitised data, increase transparency, and make the overall taxpayer experience easier. All this can ultimately improve the tax administration’s performance. However, studies show that tax administrations face important challenges in how to best develo
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Goreczky, Péter. The Impact of the Russia-Ukraine War on the Major Transformation Trends of the Global Economy. Külügyi és Külgazdasági Intézet, 2022. http://dx.doi.org/10.47683/kkielemzesek.ke-2022.28.

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The Ukraine war and the implications of the sanctions on Russia have amplified the need for more resilient and transparent supply chains, which is expected to give extra impetus to the adoption of digital technologies both in supply chain management and in manufacturing. The crisis has the potential to catalyse the development of central bank digital currencies around the world, especially in countries that are seeking alternatives to the dollar-based international financial system. Russia and China have been actively working on the de-dollarisation of their bilateral trade flows, which could
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Anderson, Erika, and Dominic Chalmers. The Shifting Locus of Authoritative Advice for Gen-Z and Their Financial Lives: An Opportunity for the Credit Union Sector? University of Glasgow and University of Strathclyde, 2025. https://doi.org/10.36399/gla.pubs.349744.

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Gen Z are reshaping the way financial advice is sought and acted upon. Moving away from traditional sources like family, banks, and financial advisors, younger generations are turning to social media platforms like TikTok and Instagram, where financial influencers —“finfluencers”— offer accessible, though often unregulated, advice. While this shift has democratized financial education, it has also introduced significant risks to advice-seekers, including misinformation, high-risk investment recommendations, and a lack of regulatory oversight. For Credit Unions, this transformation presents cha
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Hodge, Anneliese, and Lydia Harriss. Digital Transformation in Government. Parliamentary Office of Science and Technology, 2025. https://doi.org/10.58248/pn743.

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Aldrich, Susan, and Patricia Seybold. Digital Transformation at Sears Holdings. Patricia Seybold Group, 2015. http://dx.doi.org/10.1571/cs07-16-15cc.

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Chacaltana Janampa, Juan, Maria Prieto Berhouet, Bárbara Perrot, and Moa Lindgren. Digital transformation in employment policies. ILO, 2025. https://doi.org/10.54394/ousx6485.

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