Perception of the digital transformation as a strategic advantage through the Covid 19 crisis? case of Tunisian banks

Theiri, Saliha; Alareeni, Bahaaeddin

doi:10.1080/20430795.2021.1964809

Cited by 18 publications

(14 citation statements)

References 56 publications

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“…One theory is that digital transformation leads to improved efficiency and cost savings in banks' business processes. This is supported by research that shows that the digitization of processes leads to cost reduction, process simplification and strong connectivity, making services more efficient, improving image, reducing cost of activities and business processes, expanding markets and making business operations more efficient (Ky et al, 2021;Theiri and Alareeni, 2021). Another theory is that digital transformation allows banks to gain a competitive advantage over traditional brick-and-mortar organizations by forming partnerships and collaborations with platforms of services specialized in big data and artificial intelligence.…”

Section: Literature Reviewmentioning

confidence: 98%

Digitization effects on banks’ financial performance: the case of an African country

Theiri

Hadoussa

2023

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Purpose The concept of digitization covers a wide range of initiatives to achieve sustainable development. This paper aims to determine the impact of bank digitization strategies on financial performance in an African country. Design/methodology/approach This study used the generalized least squares estimation method to analyze data from a sample of 12 Tunisian banks from 2010 to 2020. The reason for selecting this method was its ability to address issues of heteroscedasticity and autocorrelation. Findings This study indicates that digital transformation has a positive effect on Tunisian banks financial performance, as measured by return on assets and return on equity. Specifically, investing in payment tools, digital channels and internet security leads to improved performance for banks. These findings suggest that banks that offer digital services perform better, as they are able to increase profitability, maintain financial stability and improve transparency. Research limitations/implications This study is important for central bank, regulators, policymakers and investors. Overall, this study emphasizes the need for banks in Tunisia to embrace digital transformation to improve their performance and remain viable in the modern business landscape. Originality/value This study ponders the effect of Tunisian banks’ digital transformation on financial performance. Tunisia context serves as model for other African countries. Tunisian banks should prioritize investments in digital technologies to stay competitive in the market.

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Section: Literature Reviewmentioning

confidence: 98%

Digitization effects on banks’ financial performance: the case of an African country

Theiri

Hadoussa

2023

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“…This qualitative approach is mainly used in research that has a broad or global research scope. For example, research conducted by (Artemenko & Zenchenko, 2021;Feher & Varga, 2019;Pramanik et al, 2021;Theiri & Alareeni, 2021;Votintseva et al, 2019) has scope at the country level. In addition, this literature review method is also used in industrial-level research as conducted by (Haapio, 2020;Krasonikolakis et al, 2020;Priambodo, 2019).…”

Section: Methodsmentioning

confidence: 99%

A Systematic Review on Banking Digital Transformation

Shanti

Avianto

Wibowo

2022

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This study explores different perspectives on the definition of digital transformation on banking sector. Ultimately, to facilitate future research, we summarize several research techniques used in the literature reviewed. We set well-established selection criteria to select relevant literature from Scopus, the most recognized database. Based on the bibliometric information of the papers selected, we did a bibliometric analysis. Afterward, we reviewed the literature. The results of this study are There are mainly four findings. Firstly, according to the bibliometric analysis, literature about banking digital transformation is growing exponentially. Secondly, banking digital transformation is the use of new digital technologies to enable significant business improvements in augmenting customer experience, streamlining operations, or creating new business models with innovative breakthroughs that alter conventional banking practice. Thirdly, there are some financial reasons for implementing banking digital transformation which are to increase customer satisfaction, competitiveness, efficiency, and profitability. Finally, key dimensions of banking digital transformation involve individuals, processes, technology, content, and state, while the strategy for the successful banking digital transformation should consider technology, value creation, structural change, and financial aspects

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“…This type of methodology has been widely accepted in the academic literature in general and in finance in specific since the pioneering work of (Titman and Wessels, 1988). PLS approach is recommended as it has an inherent ability to compute a cause–effect relationship model (Theiri and Alareeni, 2021). Its main advantage is that it is not subject to the issues of multicollinearity and endogeneity of variables.…”

Section: Methodsmentioning

confidence: 99%

The CSR-performance nexus in the French tourism sector: do MCs matter?

Theiri

Alareeni

2022

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Purpose The concept of corporate social responsibility (CSR) covers a wide range of actions toward sustainable development. While there are growing bodies of research examining the drivers of CSR, little has been done to examine the effect of the characteristics of the managerial team on CSR. This paper aims to investigate the interplay between managerial characteristics and CSR practices to discover how such a fit affects financial performance. Design/methodology/approach A partial least squares-path modeling approach was applied to a sample of 60 French companies in the tourism sector (hotels, restaurants, leisure and leisure equipment) from 2014 to 2019. This choice was triggered by the importance of this sector in job creation, which has been strongly impacted by the pandemic crisis. Findings The findings suggest the positive impact of the managerial characteristics on the practices of CSR activities under certain financial constraints related to the size and indebtedness level. Then, the authors clarify that the variable characteristics component of the managerial team is mainly the educational level, the managerial experience and the ethical behavior. However, no age effect is mentioned. Third, the authors show that the managerial team characteristics and the practices of CSR activities restore the financial tourism sector performance. Research limitations/implications This study has obviously certain limitations: first, the selected European sample can mark a big difference in the founding results because of the difference in civil rights. Second, the sample is more marked in the CSR activities. Third, this study did not take into consideration variables operationalizing ownership structure and board nature. Originality/value This study develops a model based on “managerial team” mechanisms in a sensitive area. This is a breakthrough in understanding the determinants of CSR strategies and their impact on performance while taking into account the management team’s personal characteristics.

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Perception of the digital transformation as a strategic advantage through the Covid 19 crisis? case of Tunisian banks

Cited by 18 publications

References 56 publications

Digitization effects on banks’ financial performance: the case of an African country

Digitization effects on banks’ financial performance: the case of an African country

A Systematic Review on Banking Digital Transformation

The CSR-performance nexus in the French tourism sector: do MCs matter?

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