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Journal articles on the topic 'Digital transformation of banks'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

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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ARTEMIEVA, І., and S. ZALІUBOVSKA. "Digital Transformations in the Bank Sector." Scientific Bulletin of the National Academy of Statistics, Accounting and Audit, no. 1-2 (March 31, 2023): 96–103. http://dx.doi.org/10.31767/nasoa.1-2-2023.10.

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The article contains an analysis of the transformation in the operation of commercial banks in the context of digitalization. The following characteristics of bank products are defined and described as a promising area of the transformations in the digital banking: convenience of use; openness and transparence; visual attractiveness and functional design; user-friendly character of services; high reliability; safety and confidentiality; high speed. It is shown that for practical implementation of the abovementioned characteristics inside the banks the favorable climate for the work with

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12

MBIDA, Joachim Achille Christel. "Digital transformation and organizational efficiency of banks." Cahiers du cedimes 19, SI (2024): 41–55. https://doi.org/10.69611/cahiers19-hs-28.

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At the forefront of all digital, virtual banking is today a tangible reality. This research aims to understand how digitalization improves the organizational efficiency of banks, To carry out this study , we proceeded to an inductive approach by carrying out “semi structured open” interviews with bankers and clients, followed by an analysis grid elaborated according to the various themes with the corresponding verbatims, parallel to our investigation , the main results indicates the impacts of digital transformation to the organizational efficiency of banks in Cameroun reveals that ICT impact

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Duan, Chenfei, Mengjie Mao, and Liuhui Tang. "Research on the Evaluation of Core Competitiveness of Commercial Banks: Based on the Perspective of Digital Transformation." Advances in Economics, Management and Political Sciences 52, no. 1 (2023): 91–99. http://dx.doi.org/10.54254/2754-1169/52/20230701.

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With the full arrival of the financial technology 3.0 era, commercial banks have realized the importance of using financial technology to accelerate their transformation and upgrading. Studying the influencing factors of commercial banks digital transformation has important practical implications for commercial banks to improve their core competitiveness. In the respect of digital transformation, this paper uses principal component analysis method to evaluate the core competitiveness of some typical commercial banks in depth. Finally, it draws some conclusions that with the development of digi

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Zou, Yining. "Research on the Digital Transformation Development Strate-gy of Commercial Banks under the Background of Financial Technology." Advances in Economics, Management and Political Sciences 30, no. 1 (2023): 21–26. http://dx.doi.org/10.54254/2754-1169/30/20231414.

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At present, implementing digital transformation has become the most common strategic choice of commercial banks, so it is important to study the digital transformation of com-mercial banks. The literature on Fintech and the digital revolution of conventional com-mercial banks is reviewed in this paper. This paper reviews the theoretical and empirical literature, focusing on three main issues: the influence of financial technology on commer-cial banks, the research on digital transformation of commercial banks, and the factors af-fecting the digital transformation effect of commercial banks. Th

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Harjoni, Desky, and Maulina Isra. "Digital Transformation in Islamic Banking." International Journal of Multidisciplinary Research and Analysis 05, no. 12 (2022): 3616–22. https://doi.org/10.5281/zenodo.7494323.

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The purpose of this study is to examine digital transformation in Islamic banks. Data were obtained through a survey questionnaire from three Commercial Sharia Banks in Aceh: BSI, BCA Syariah, and Bank Aceh. A descriptive analysis was carried out to examine. First, the reasons for these Islamic banks using digitization are related to the technology used as well as the status and position in the use of digitization; second, reviewing regulations, challenges, prudential risks, and the stability implications of digitizing Islamic banking. This study found that in most Islamic Banks, in this case,

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Shu, Ziyun, Shuk-Yu Tsang, and Taoxuan Zhao. "Digital Transformation of Traditional Chinese Banks." Open Journal of Business and Management 08, no. 01 (2020): 68–77. http://dx.doi.org/10.4236/ojbm.2020.81005.

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Zamaslo, Olha, Viktor Kovalenko, and Olha Lozynska. "DIGITAL TRANSFORMATION LEVEL INDICATORS OF BANKS." Baltic Journal of Economic Studies 7, no. 2 (2021): 77–82. http://dx.doi.org/10.30525/2256-0742/2021-7-2-77-82.

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The article studies the approach to assessing the banking digitalization influenced by economy digitalization, dynamically spread electronic payments, e-commerce, and innovative digital service technologies. Digitalized banking services, widespread online platforms and digital customer communication channels require an approach to assessing the banking digitalization identifying the bank’s competitiveness, strengths and weaknesses strategically. The aim is to develop a banking digitalization indicator system and assessment methods within a complex indicator. To achieve this, the research appli

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Wu, Zhengyu. "Research on the Impact of Digital Transformation on the Business Performance of Commercial Banks." Proceedings of Business and Economic Studies 7, no. 3 (2024): 227–35. http://dx.doi.org/10.26689/pbes.v7i3.7491.

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Nowadays, with the development of the digital economy, commercial banks are actively conducting digital transformation. Studying the impact of the digital transformation of commercial banks on their operating performance can help commercial banks form a stronger core competitiveness and promote high-quality financial development. Based on the above background, this article first describes the status and development of digital transformation and development of commercial banks, and secondly analyzes whether Chinese commercial banks’ digital transformation is conducive to improving their operati

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Edith Ebele Agu, Njideka Rita Chiekezie, Angela Omozele Abhulimen, and Anwuli Nkemchor Obiki-Osafiele. "Harnessing digital transformation to solve operational bottlenecks in banking." World Journal of Advanced Science and Technology 6, no. 1 (2024): 046–56. http://dx.doi.org/10.53346/wjast.2024.6.1.0046.

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The banking industry is undergoing a digital transformation, driven by the need to address operational bottlenecks and improve efficiency. This transformation involves the integration of digital technologies into all areas of banking operations, from customer service to back-office processes. By harnessing digital transformation, banks can streamline operations, reduce costs, and enhance customer experiences. One of the key areas where digital transformation is making an impact is in customer service. Banks are leveraging digital technologies such as chatbots and mobile apps to provide custome

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Do, Trang Doan, Ha An Thi Pham, Eleftherios I. Thalassinos, and Hoang Anh Le. "The Impact of Digital Transformation on Performance: Evidence from Vietnamese Commercial Banks." Journal of Risk and Financial Management 15, no. 1 (2022): 21. http://dx.doi.org/10.3390/jrfm15010021.

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The role of digital transformation in creating value for commercial banks has been interesting to researchers for a long time. While many commercial banks have significantly investigated digital transformation, researchers and managers have still met many difficulties examining the distribution of digital transformation to business performance. This paper aims to evaluate the impact of digital transformation on Vietnamese commercial banks’ performance by different sizes, from there proposing policy implications of digital transformation to improve the banking performance. To achieve this goal,

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Tran, Phuong Thanh Thi, Thi Thuy Hang Le, and Nga Hang Thi Phan. "Digital Transformation of the Banking Industry in Developing Countries." International Journal of Professional Business Review 8, no. 5 (2023): e01503. http://dx.doi.org/10.26668/businessreview/2023.v8i5.1503.

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Purpose: The study's objective is to test the impact of digital transactions on banking performance. Based on the previous research and the actual situations, it has been recognized that the critical role of digital banking is in developing the banking industry, especially in developing countries. Theoretical framework: In the next section, the study presents background information to promote the research. The digital transformation has changed how customers use financial services. This has pushed banks to adapt more quickly to the wave of digital transformation if they don't want to lose thei

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O. Al-Smadi, Mohammad. "Factors driving digital transformation: Technological, organizational, and environmental perspectives from Jordanian banks." Banks and Bank Systems 20, no. 1 (2025): 74–82. https://doi.org/10.21511/bbs.20(1).2025.07.

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In recent years, the digital transformation of financial institutions has gained the attention of researchers and practitioners all over the world. This study investigates the impact of organizational, environmental, and technological factors on the digital transformation process of Jordanian banks. The approach used in this study is quantitative, and an online questionnaire was forwarded to employees in 15 Jordanian banks. The convenience sampling method was utilized to collect data from 286 participants with a response rate of 35%. Partial least squares structural equation modeling was used

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Kolodiziev, Oleh, Mykhailo Krupka, Nataliya Shulga, Myroslav Kulchytskyy, and Olha Lozynska. "The level of digital transformation affecting the competitiveness of banks." Banks and Bank Systems 16, no. 1 (2021): 81–91. http://dx.doi.org/10.21511/bbs.16(1).2021.08.

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The article examines the competitiveness of Ukrainian banks influenced by economy digitalization, the dynamic spread of electronic payments and e-commerce, as well as innovative technologies aimed at providing digital services. When shifting to an Online Platform business model, a bank can expand its range of banking products, attract more customers, thereby forming a competition policy and gaining competitive advantages. The paper aims to assess the digitalization level affecting the general competitiveness of banks and its components based on Ukrainian banks. For this purpose, the following

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Chen, Jiangyan, Huangrong Liu, and Zhen Shen. "The Impact of Digital Transformation on Chinese Commercial Banks’ Risk-Taking." Journal of World Economy 3, no. 2 (2024): 85–88. http://dx.doi.org/10.56397/jwe.2024.06.09.

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Based on the annual financial data of 42 listed Chinese commercial banks from 2013 to 2022, applying the benchmark regression analysis method, this paper studies the impact of digital transformation on Chinese commercial banks’ risk-taking level. The results show that the digital transformation degree is positively correlated with the commercial banks’ risk-taking level. Different types, sizes and natures of commercial banks’ risk-taking levels that are affected by digital transformation, with large state-owned banks and joint-stock banks being more flexible. Accelerating the digital transform

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Luo, Xiang, Zhiyi Hu, and Wen Hu. "Research on the direction and path of rural commercial bank digital transformation under the background of rural revitalization." Advances in Economics and Management Research 1, no. 3 (2023): 180. http://dx.doi.org/10.56028/aemr.3.1.180.

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At present, the digital transformation of commercial banks has become a trend. Compared with large banks, small and medium-sized rural banks are facing huge pressure from both the external environment and internal conditions. Small and medium-sized rural banks should combine the advantages of rural revitalization policy, improve the digital innovation of banking business, and strengthen cooperation with other professional service institutions. Based on the idea of "double chain linkage" proposed by Taihui Zhu and Yutong Zhang, combined with "financial service supply chain, rural industry suppl

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Cheng, Zhengqiu. "Research on the Impact of Digital Transformation on the Performance of Commercial Banks from the Perspective of Management Innovation: Empirical Analysis based on the Shanghai and Shenzhen A-Share Listed Banks." International Journal of Computer Science and Information Technology 5, no. 2 (2025): 133–39. https://doi.org/10.62051/ijcsit.v5n2.16.

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Taking the 2011-2021 A-share listed banks in Shanghai and Shenzhen as the research sample, the impact of digital transformation on the financial performance of commercial banks is explored from the micro level. The study has found that the digital transformation has significantly improved the financial performance of commercial banks, and this conclusion is still valid after the robustness test. Mechanism analysis found that digital transformation can improve the management innovation of commercial banks, and then improve the financial performance of commercial banks. The heterogeneity analysi

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Wu, Yechi. "Corporate Irregularity and Commercial Bank Digitization." Academic Journal of Management and Social Sciences 11, no. 1 (2025): 163–68. https://doi.org/10.54097/wc8x8157.

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we will study whether the digital transformation of commercial banks can reduce corporate violations from the SEC’s reporting of corporate listed companies’ violation announcements. This paper empirically analyzes the impact of digital transformation of commercial banks on corporate violations by taking the digital transformation index of commercial banks from 2010 to 2021 as the research object. Through empirical analysis, we find that the digital transformation of commercial banks can significantly reduce corporate violations, and the higher the digitalization index of commercial banks, the

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Annenkova, E. A. "The mechanism of digital transformation of Russian banks in modern conditions." Intellect. Innovations. Investments, no. 3 (2023): 42–51. http://dx.doi.org/10.25198/2077-7175-2023-3-42.

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The relevance of the problem under study is due to the active transition of banks into the digital space. The desire of banks to reduce costs, diversify the product line, increase customer loyalty, increase the profitability of operations, etc. involves the banking sector in the process of digital transformation. Digital transformations in the banking market inevitably entail a rethinking of the views of users and participants of these financial relations. The purpose of the article is to consider the mechanism of digital transformation of Russian banks in modern conditions. To achieve this go

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Ojogbo, Leonard, and Hillary Odor. "IJASEPSM 47| p. Digital Leadership and Digital Transformation in Deposit Money Bank in Nigeria." International Journal of Advanced Studies of Economics and Public Sector Management 13, no. 1 (2025): 47–64. https://doi.org/10.48028/iiprds/ijasepsm.v13.i1.04.

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In today's rapidly evolving financial landscape, digital transformation has become a critical priority for banks seeking to enhance operational efficiency, improve customer experiences, and maintain competitiveness. This study examines the influence of digital leadership on digital transformation in Deposit Money Banks (DMBs) in Nigeria, using transformational leadership theory as its foundation. The study focuses on key digital leadership attributes, including digital capabilities, digital experience, digital predictability, and digital vision, to determine their impact on digital transformat

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Zuo, Lihua, Jack Strauss, and Lijuan Zuo. "The Digitalization Transformation of Commercial Banks and Its Impact on Sustainable Efficiency Improvements through Investment in Science and Technology." Sustainability 13, no. 19 (2021): 11028. http://dx.doi.org/10.3390/su131911028.

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The COVID-19 epidemic has accelerated the digital economy’s pervasiveness throughout the Chinese economy, leading to a sharp rise in demand for “contactless” services in the financial industry. We examine the digital transformation of the Chinese banking industry using the DEA–Malmquist index method, supplemented by a distance function and time to compare the dynamic changes of productivity. Our paper then conducts an empirical study on the digital transformation of Chinese commercial banks based on their improvements in efficiency. We analyze banks with superior efficiency in science and tech

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Jin, Mingzhu. "Digital Transformation of Commercial Banks under the Impact of the Epidemic." Advances in Economics, Management and Political Sciences 9, no. 1 (2023): 215–19. http://dx.doi.org/10.54254/2754-1169/9/20230382.

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Commercial banks are about to undergo a digital transformation, which will give Chinese commercial banks a competitive edge. This transformation will take place in light of the unfavorable global economic situation following the epidemic and the rapid development of new generation information technology. based on the three fundamental ideas of competitive thinking, client focus, and transformation direction Our systematic analysis and summary of the real-world experience of the digital transformation of foreign commercial banks is based on the three fundamental ideas of customer orientation, c

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Miroshnichenko, N. V., and Yu I. Donskova. "The evolution of technology and the transformation of the banking sector under the influence of digital trends." Scientific notes of the Russian academy of entrepreneurship 23, no. 2 (2024): 22–27. http://dx.doi.org/10.24182/2073-6258-2024-23-2-22-27.

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Banks have been using technology for decades to improve their operations. However, the pace of digital transformation has accelerated in recent years.The impact of digital transformation on the banking sector is very significant. Traditional banks must adapt to the changing digital landscape or risk losing customers to more digitally savvy competitors. One of the most significant consequences of digital transformation for ordinary banks is the change in customer expectations. Now customers expect uninterrupted and efficient banking services through all channels, including digital ones. This fo

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Matveevskii, S. S. "Current state of digital transformation of russian banks." Vestnik Universiteta, no. 10 (December 11, 2020): 131–37. http://dx.doi.org/10.26425/1816-4277-2020-10-131-137.

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The paper presents current state of digital transformation of Russian banks. The author defines the digitalization of banks as the introduction of FinTech technologies, close cooperation with Fintech-companies. Digitalization has both positive and negative consequences: cyber risks are growing, financial stability is decreasing. The analysis allowed the author to draw conclusions that the digital transformation of Russian banks is characterized by: the complex implementation of BCBS scenarios and the interaction between banks and Fintechcompanies, the emergence of neo-banks; increased competit

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Kumar, Dr Rima Manish, and Dr Rita Sangtani. "Digital Innovation and Transformation." Journal of Artificial Intelligence, Machine Learning and Neural Network, no. 31 (January 11, 2023): 25–38. http://dx.doi.org/10.55529/jaimlnn.31.25.38.

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Digitalization is the process for change in business strategies to provide and to fulfill better outcomes with the help of advanced digital technologies. Digital transformation is to create a new or improve the existing business to meet the goal of customers. This digital innovation has affected each area of business for example from healthcare or stock marketing. Due to easy accessibility and 24 X 7 availability, it is more accepted and popular among all sectors. Classical example for digital innovation in healthcare sector is wearable healthcare devices. Patients are more aware of their own

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Doan, Viet Thang, Thi Ngoc Anh Hoang, Trang Linh Phung, and Thu Huong Nguyen. "The impact of digital transformation on credit risk of commercial banks in Vietnam." Journal of Economic and Banking Studies 4, no. 1 (2024): 27–38. http://dx.doi.org/10.59276/jebs.2024.06.2628.

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In Vietnam, digital transformation has been considered as the leading strategy of commercial banks, especially in terms of credit risks. Therefore, they must identify how their digital transformation affects their credit risks to maintain effective operation and steady growth in a complex and changing market environment. Our study takes 29 commercial banks in Vietnam from 2014 to 2022 as the research object to test the impact of bank digital transformation on credit risk. In particular, the level of digital transformation of banks is measured by the ICT Index. The ICT Index is the official mea

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Galper, M. A. "Digital Transformation of Banks: the Swiss Experience." Economics and Management, no. 2 (April 11, 2020): 199–204. http://dx.doi.org/10.35854/1998-1627-2020-2-199-204.

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The presented study serves the purpose of developing the theoretical and methodological framework for the digital transformation of commercial banks and the development of scientific and practical recommendations on its implementation for the managers of financial and credit organizations.Aim. The study aims to provide a theoretical justification and explore the essence of digital transformation based on the experience of Swiss experts in financial consulting, and to develop a comprehensive solution for its implementation by commercial banks in the context of society’s transition to a new para

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Chen, Yuran, Ruoxuan Huang, Yuying Zhang, and Qinghong Shuai. "The impact of digital transformation of commercial banks on household income: Evidence from China." PLOS ONE 19, no. 9 (2024): e0310277. http://dx.doi.org/10.1371/journal.pone.0310277.

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Scholars have focused on the digital transformation of commercial banks, yet there remains a lack of systematic and integrative research at the micro-level of household finance. This article uses data from the China Household Finance Survey (CHFS) and the Digital Transformation Index of Chinese Commercial Banks from Peking University. It employs empirical methods such as mechanism analysis and heterogeneity analysis to explore the impact of the digital transformation of commercial banks on household income. The findings indicate that the digital transformation of commercial banks significantly

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Husni Shabri. "Transformasi Digital Industri Perbankan Syariah Indonesia." El-Kahfi | Journal of Islamic Economics 3, no. 02 (2022): 1–7. http://dx.doi.org/10.58958/elkahfi.v3i02.88.

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Digital banking transformation is an important issue in the banking industry today. Digital disruption has changed the way people do business and transact. However, there are still many problems faced in carrying out digital transformation. The purpose of this study is to analyze the digital transformation process in the Islamic banking industry in Indonesia and its impact on the development and growth of Islamic banks. The research method uses descriptive qualitative approach with Systematic Literature Review. Data were collected from scientific literature references, books and reports from o

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Ma, Yuquan. "Digital Transformation of Commercial Banks: A Review of Literature." Scientific Journal of Economics and Management Research 7, no. 4 (2025): 53–59. https://doi.org/10.54691/zz3qyy79.

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The development of the digital economy has brought unprecedented opportunities and challenges to commercial banks. On the one hand, the application of digital technology in the banking industry shows great potential, and its effect on raising business ceilings and saving costs exceeds other types of transformation strategies. On the other hand, it also raises new research topics for data security and privacy protection. Following the logical framework of "connotation identification-antecedent identification-subject characteristics-economic effects", this study systematically sorts out the rele

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Souguir, Zahra, Naima Lassoued, Imen Khanchel, and Eya Bejaoui. "Behind the Screens: Digital Transformation and Tax Policy." Journal of Risk and Financial Management 18, no. 7 (2025): 390. https://doi.org/10.3390/jrfm18070390.

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This study investigates the impact of digital transformation on corporate tax avoidance in the banking industry, focusing on banks in the Middle East and North Africa (MENA). This study employs regression analysis on a sample of 123 banks in the MENA region, covering the period from 2011 to 2022. The results indicate a negative relationship between digital transformation and tax avoidance, with conventional banks showing a stronger inclination to adopt these trends compared to Islamic banks. Digital transformation is identified as an effective mechanism that enhances transparency and mitigates

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Sugihyanto, Toto, and Regina Jansen Arsjah. "The Effect of Digital Banking, Digital Transformation on the Efficiency of Commercial Banks in Indonesia." International Journal of Islamic Education, Research and Multiculturalism (IJIERM) 5, no. 2 (2023): 387–408. http://dx.doi.org/10.47006/ijierm.v5i2.242.

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The purpose of this paper is to assess the efficiency of the general banking industry in Indonesia on the use of digital banking and digital transformation. This paper is a research paper with quantitative methods and uses primary data collected by researchers using questionnaires. As for the data analysis method with PLS software SmartPls. The respondents were employees of commercial banks consisting of ten Islamic commercial banks and eleven conventional commercial banks. Findings - Investigative findings show that the banking industry in Indonesia is generally on a trend of increasing effic

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Gao, Jinjin. "Research on the Impact of the Digital Transformation of Commercial Banks." Proceedings of Business and Economic Studies 7, no. 5 (2024): 132–37. http://dx.doi.org/10.26689/pbes.v7i5.8631.

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The development of the digital economy has presented both opportunities and challenges for the transformation of commercial banks. This article aims to conduct a literature review on the impact of digital transformation on commercial banks and to explore the multi-dimensional effects it brings. Through a review and analysis of relevant domestic and international literature, this paper first defines the connotation of digital transformation in commercial banks. It then conducts a literature analysis and research on the strategic governance, business performance, and risk management aspects of t

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Zhou, Hui, and Lin Xu. "Bank Digital Transformation and Enterprise Innovation—Evidence from China." Sustainability 15, no. 22 (2023): 15971. http://dx.doi.org/10.3390/su152215971.

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With the rapid advancement of digital technology, the banking industry has embarked on a journey of digital transformation. While existing literature primarily examines how these changes impact the banks themselves, our study focuses on a relatively unexplored aspect: the direct influence of bank digital transformation on the performance and behavior of borrowing enterprises. The research objective of this study is to explore the influence of bank digital transformation on the innovation performance of borrowing enterprises and the underlying mechanisms. Leveraging data from Chinese listed com

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Nimas Melenia Mutiara Akbary, Irwan Trinugroho, Tastaftiyan Risfandy, and Putra Pamungkas. "DIGITAL TRANSFORMATION AND EFFICIENCY: EVIDENCE FROM INDONESIAN BANKS." International Journal of Business and Society 26, no. 1 (2025): 135–50. https://doi.org/10.33736/ijbs.9555.2025.

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Recent studies suggest that digitalization does not uniformly enhance bank efficiency. A critical factor influencing this outcome is the size of the institution undergoing digital transformation (DT). Small and medium-sized commercial banks often encounter challenges such as limited financial resources and difficulty in adapting digital solutions that align with market conditions, thereby leading to DT failures. This study investigates the impact of DT on bank efficiency. Our analysis focuses on a sample of conventional Indonesian banks from 2015 to 2023. We also explore how digitalization aff

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Khanchel, Hanen. "The Impact of Digital Transformation on Banking." Journal of Business Administration Research 8, no. 2 (2019): 20. http://dx.doi.org/10.5430/jbar.v8n2p20.

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In this paper, we discuss in more detail the context of Tunisian banks, with a focus on digital transformation strategies considered, the mission that preceded this study and the methodology and approach. Secondly, we will analyze the results of the study to reconstruct the features of the digital transformation of movement in Tunisian banks.The study of the digital transformation of Tunisian banks is carried on the board Matine Consulting firm. This study is launched in the continuity of the inaugural training program certifying on the topic of FinTechs and digital transformation of banks, se

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R, JAYASHREE, and Dr S. JAYAKANI. "ADAPTIVE STRATEGIES FOR DIGITAL TRANSFORMATION: A COMPARATIVE STUDY OF BANKING INNOVATIONS AND ROADMAP FOR BANKS IN INDIA." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 07, no. 09 (2023): 1–11. http://dx.doi.org/10.55041/ijsrem25884.

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This research paper explores adaptive strategies employed in digital transformation within the banking sector, presenting a comparative analysis of innovative practices and proposing a roadmap for banks in India. The digital era has prompted banks to reinvent their operational paradigms, necessitating agile approaches to remain competitive. Through an in-depth examination of banking innovations across global contexts, this study elucidates diverse adaptive strategies that institutions have undertaken to navigate digital transformation challenges. Focusing on the Indian banking landscape, the p

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Hang, Dr Nguyen Thi, Dinh Tran Ngoc Huy, Dinh Thi Hien, and Vu Quynh Nam. "IOT Impacts and Digital Transformation at Listed Vietnam Banks." Webology 18, Special Issue 04 (2021): 773–84. http://dx.doi.org/10.14704/web/v18si04/web18164.

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The Industrial Revolution 4.0 based on digital technologies has led to an unprecedented change in the socio-economic model. Therefore, countries in general and Vietnam are all aiming to develop the digital economy. The concept of digital transformation of the economy or development of the digital economy in Vietnam focuses on the following basic contents: 1) Developing digital businesses; 2) Digital transformation for traditional businesses (towards digitally integrated products; transforming business models on digital platforms; changing production processes based on digital data, automation,

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Cheng, Songsong, Qunpeng Fan, and Minghao Huang. "Strategic Orientation, Dynamic Capabilities, and Digital Transformation of Commercial Banks: A Fuzzy-Set QCA Approach." Sustainability 15, no. 3 (2023): 1915. http://dx.doi.org/10.3390/su15031915.

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Digital transformation is a critical challenge for commercial banks to achieve sustainable competitive advantages in the digital economy. However, conventional research focuses too much on constructing linear models to explain the non-linear relationships between and among the factors relevant to digital transformation. By adopting the configurational framework, we propose that the interactions between strategy and dynamic capabilities determine the paths of how digital transformation may succeed or fail. The fuzzy-set qualitative comparative analysis (fsQCA) of digital transformation practice

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Baltabayev, B. Zh, Z. K. Smagulova, and I. V. Krakovetskaya. "GHRM as a factor of increasing the efficiency of banks in the context of digital transformation." Bulletin of "Turan" University, no. 2 (June 29, 2025): 397–409. https://doi.org/10.46914/1562-2959-2025-1-2-397-409.

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In the context of rapid technological progress and increasing attention to sustainable development issues, banks are faced with the need to improve their HR practices. The Green Human Resource Management (GHRM) concept aims to integrate environmental values and sustainability principles into HR management processes, and has been gaining increasing recognition in the banking sector in recent years. The purpose of this paper is to substantiate the importance of GHRM as a factor in improving the efficiency of banks in the context of digital transformation. The article analyzes the main theoretica

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Yu, Chao. "The Impact of Digital Transformation on the Credit Scale of Commercial Banks." Journal of Global Economy, Business and Finance 7, no. 4 (2025): 29–35. https://doi.org/10.53469/jgebf.2025.07(04).05.

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The digital transformation of banks has had a huge impact on the traditional credit system. This study aims to explore the impact of digital transformation on credit business and reveal its mechanism of action on credit scale. This paper takes 180 commercial banks across the country from 2011 to 2021 as the research object, considers the two mechanisms of operating efficiency and risk control ability, and empirically tests the intrinsic connection between bank digital transformation and credit scale based on the three dimensions of digital transformation. The study found that digital transform

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