The Role of Strategy in the Success of Digital Banking: A Comparative Study of Leading Global Banks

Digital banking has emerged as a central competitive frontier in the financial services industry. This study examines the role of strategic decision-making in the successful implementation of digital banking across four leading global banks (DBS, BBVA, JPMorgan Chase, and Santander). Using a qualitative comparative case study approach based on secondary data sources, the research identifies key strategic factors including clear digital vision, transformational leadership, targeted technology investment, and fintech partnerships. Findings highlight common enablers and barriers to digital strategy execution and provide practical recommendations for banks seeking to accelerate their digital transformation.

کلیدواژه ها:

digital strategy ، digital banking ، digital transformation ، fintech ، strategic leadership