This study explores the multifaceted impacts of digitalization on banking operations, focusing on three core dimensions: innovation in service delivery, emerging risk profiles, and the evolving regulatory landscape. Using a mixed-methods approach, we analyze data from 120 leading banks across 30 countries (2021–2024) and conduct in-depth interviews with 45 industry executives and regulators. Our findings... more

This study examines the multifaceted impact of digital transformation on the global banking sector, integrating analyses of FinTech disruption, risk management evolution, consumer behavior shifts, and policy responses. Drawing on a mixed-methods approach—including cross-sectional data from 120+ banks across 30 countries (2021–2023) and in-depth interviews with 45 industry stakeholders—it identifies key trends shaping the sector:... more

This paper focuses on digital transformation in the banking sector, exploring its connections with financial technology (FinTech), risk management, regulatory dynamics, consumer behavior, and emerging technologies.Through a literature review and empirical analysis of 150 major banks across 30 countries from 2022 to 2024, it identifies key drivers and challenges of this transformation. Disruptive FinTech models... more

This study analyzes banking digital transformation via five core pillars aligned with the journal’s scope: digital adoption drivers in traditional banks, FinTech’s disruptive models and competitive impact, risk management for cyber threats/data privacy, shifts in consumer behavior (mobile banking, robo-advisory), and policy/socio-economic implications (financial inclusion, cross-border regulation). Using mixed methods—quantitative data from 120 global banks... more

This paper explores the multifaceted ecosystem of banking digital transformation, examining its intersections with FinTech innovation, risk management frameworks, consumer behavior shifts, regulatory dynamics, and emerging technological trends. Using a mixed-methods approach—including panel data analysis of 120 global banks (2022–2024) and qualitative interviews with 25 industry stakeholders—it identifies key drivers, challenges, and economic implications of... more