Feb'23
The IUP Journal of Bank Management
Impact of Digital Transformation on Banks' Profitability and Liquidity in Emerging Markets: Evidence from Egypt
This study explores the effect of Digital Transformation (DT) on banks' profitability and liquidity in Egypt using a sample of 27 Egyptian banks for the period 2014 to 2021. The study uses the Generalized Method of Moment (GMM) estimator developed for dynamic panel data. The results reveal that DT has a positive effect on Egyptian banks' profitability and liquidity. Also, it is found that the Covid-19 pandemic diluted the positive effect of DT on banks' profitability. Going by resource-based theory, it adds evidence to the literature on financial technology. The study is the first in emerging countries that contributes to preparing the DT index in Egyptian banking. It would be of help to managers and stakeholders in realizing the role of DT in enhancing bank performance, and in understanding the implications of Covid-19 for the future of banking services, especially in emerging markets. The findings would help policymakers realize the importance of DT for Egypt's Vision 2030, as it involves establishing a strong digital economy and enhancing financial inclusion.
A Study on Post-Pandemic Customer Behavior and Banking Priorities in Rajasthan
The Covid-19 pandemic has changed the way customers think, believe, and behave. The pandemic has significantly impacted the banking industry, forcing banks to adapt and make changes to their service delivery. To provide customers with a seamless online banking experience, banks have increased their digital transformation efforts. This study examines customers' responses to the Covid-19 crisis and how they are changing their priorities towards the use of banking services. The results show that customers prefer UPI for payment, while they are unwilling to use cash more frequently. Additionally, there has been a noticeable rise in NEFT and card transfer usage. The study found that the service delivery of banks after Covid-19 has improved with increasing use of modern technology.
Mapping the Evolution of Green and Sustainable Banking: Prospects for Future Research
The growing awareness and significance of the "environment protection" concept- which imposes a responsibility on businesses, policymakers, governments, and regulatory agencies for tackling climate change and global warming-has created an urgent need for carefully examining current green and sustainable banking practices. This study aims to provide an overview of the present situation and future trends in green and sustainable banking through bibliometric research. For a comprehensive bibliometric analysis, the study includes 272 published research studies from the Scopus database for the period 1989 to 2023. Bibliometrics with MS-Excel, Biblioshiny R Studio, and VOSviewer were used to recognize and assess the trend of the related studies, research areas, authors, nations, institutions, and keywords. The research findings reveal the emerging trend and thematic evolution with regard to green and sustainable banking has increased recently. The findings will be helpful for academics and reviewers in selecting future green banking research topics and for decision makers in defining the standards for green banking research.
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