arbiter
JournalsAccount

Factor conditions and capability building of artificial intelligence empowered digital transformation in the banking sector: a case study of a Chinese bank

Xin Su & Yanyu Wang

International Journal of Technology Management2025https://doi.org/10.1504/ijtm.2025.143587article
AJG 2ABDC B
Weight
0.46

Abstract

Digital capabilities and financial technologies have gained increasing attention in recent years. However, the factor conditions and capability building are not clarified and there is no comprehensive competency model to summarise the theoretical findings and industrial practices. Herein, an in-depth single case study of the largest state-owned commercial bank in China was conducted to explore factor conditions and capability building of digital transformation in the banking sector using interviews and questionnaires. The findings identified three driving factors and four restraining factors of digital transformation, and a synergy-technology-agility-resource (STAR) business model was proposed subsequently to match these factor conditions. Furthermore, a fuzzy-set qualitative comparative analysis (fsQCA) approach was adopted to analyse factor configurations and further demonstrate the qualitative results. This study contributed to the field by summarising the factor conditions and business capabilities of artificial intelligence (AI) applications in the banking industry, categorising the digital transformation processes into several configuration solutions, and providing a theoretical framework and practical guidance for academia and industry.

4 citations

Open via your library →

Cite this paper

https://doi.org/https://doi.org/10.1504/ijtm.2025.143587

Or copy a formatted citation

@article{xin2025,
  title        = {{Factor conditions and capability building of artificial intelligence empowered digital transformation in the banking sector: a case study of a Chinese bank}},
  author       = {Xin Su & Yanyu Wang},
  journal      = {International Journal of Technology Management},
  year         = {2025},
  doi          = {https://doi.org/https://doi.org/10.1504/ijtm.2025.143587},
}

Paste directly into BibTeX, Zotero, or your reference manager.

Flag this paper

Factor conditions and capability building of artificial intelligence empowered digital transformation in the banking sector: a case study of a Chinese bank

Flags are reviewed by the Arbiter methodology team within 5 business days.

Evidence weight

0.46

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.37 × 0.4 = 0.15
M · momentum0.60 × 0.15 = 0.09
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.