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

Digital banking is recognized as a key element of transformation in the global banking system. This paper examines the role of strategy in digital success of global banks and analyzes the experience of four leading banks: DBS (Singapore), HSBC (UK), Santander (Spain), and JPMorgan Chase (USA). The research employs a qualitative comparative case study approach. Findings indicate that designing effective digital strategies, leveraging advanced technologies such as AI, Open Banking, and Big Data analytics, and aligning with business objectives are crucial for competitive advantage and improved customer experience.

کلیدواژه ها:

Digital Banking ، Digital Strategy ، Global Banks ، Technology Innovation ، Competitive Advantage