Developing a Framework for Enhancing Banking Sustainability and Performance Through Enterprise Risk Management, Digital Transformation, and Knowledge Management

In the complex and competitive banking environment, increasing attention has been paid to Enterprise Risk Management (ERM) and digital transformation as two key factors in enhancing the sustainability and performance of banks. The main issue addressed in this study is to explain how ERM and digital transformation influence sustainable banking while considering the moderating role of knowledge management and dynamic capabilities. The purpose of this paper is to examine the relationships among these variables and provide a comprehensive understanding of the mechanisms that contribute to improving the sustainable performance of banks. The significance of this research lies in the fact that banks, operating under conditions of uncertainty, need to simultaneously leverage knowledge, innovation, and effective risk management to maintain competitive advantage and strengthen organizational resilience. This study is applied in terms of purpose and adopts a descriptive-survey methodology. Data are collected through questionnaires and analyzed using Structural Equation Modeling (SEM). The findings indicate that knowledge management and dynamic capabilities play a significant role in strengthening the effects of ERM and digital transformation on the sustainability and performance of banks

کلیدواژه ها:

Enterprise Risk Management (ERM) ، Digital Transformation ، Sustainable Banking ، Knowledge Management ، Dynamic Capabilities ، Bank Performance ، Organizational Innovation