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Are incumbent banks bygones in the face of digital transformation?
Journal of General Management Pub Date : 2020-10-01 , DOI: 10.1177/0306307020937883
Ioannis Krasonikolakis 1 , Michalis Tsarbopoulos 2 , Teck-Yong Eng 3
Affiliation  

Digital transformation has received considerable scholarly attention in areas of management, business, information systems, information technology and marketing. In particular, retail banks have been at the forefront of technological revolution characterized by rapid deployment and innovation of digital services, exponential pace of change and innovative breakthroughs that alter conventional banking practice. However, the term digital transformation is often misunderstood as a straightforward deployment of the latest information communication technologies. In practice, technological investments entail not only risk but also require an understanding of the relationship between technological, organizational culture and institutional change within certain boundaries of regulatory framework. Digital transformation is far from simple, certain or predictable and likely to be disruptive or transformative with immutable impacts upon associated organizational outcomes related to technical capabilities and behaviours. The present study attempts to explore and develop a framework for understanding digital transformation by examining the development, deployment and use of digital technologies in retail banking. Within a social informatics perspective, this study examines the effects of digital technologies on retail banks operations, structure and capabilities of those who deploy, implement and use it. Using a grounded theory approach, the study explores theoretical constructs by reviewing the literature and analysing primary field data including data from retail banks and interviews with senior professionals. The findings provide the pitfalls and successful approaches towards the digital transformation journey. This includes the ordinary dilemmas that the managers face to deliver the projects at hand.

中文翻译:

面对数字化转型,现有银行是否已经过去?

数字化转型在管理、商业、信息系统、信息技术和营销领域受到了学术界的广泛关注。尤其是零售银行一直处于技术革命的前沿,其特点是数字服务的快速部署和创新、指数级的变化以及改变传统银行业务的创新突破。然而,术语数字化转型经常被误解为最新信息通信技术的直接部署。在实践中,技术投资不仅涉及风险,还需要在监管框架的某些边界内了解技术、组织文化和制度变革之间的关系。数字化转型远非简单,某些或可预测的,并且可能具有破坏性或变革性,对与技术能力和行为相关的相关组织结果产生不可改变的影响。本研究试图通过检验数字技术在零售银行业务中的开发、部署和使用,探索和开发一个理解数字化转型的框架。本研究从社会信息学的角度研究数字技术对零售银行运营、结构和部署、实施和使用人员能力的影响。该研究采用扎根理论方法,通过查阅文献和分析主要领域数据(包括来自零售银行的数据和对高级专业人士的采访)来探索理论结构。研究结果提供了数字化转型之旅的陷阱和成功方法。这包括经理在交付手头项目时面临的普通困境。
更新日期:2020-10-01
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