The Role of Digital Transformation Capabilities in Improving Banking Performance in Jordanian Commercial Banks

作者：Ehsan Ali Alqararah, Mr. IZUKWE Raymond, Hadeel Yaseen · 发表于：Journal of Risk and Financial Management · 年份：2025 · DOI：10.3390/jrfm18040196 · 被引用次数：47

In today’s competitive business environment, digital transformation is crucial for organizational success. The Jordanian banking sector faces the challenges of adapting to rapid digital advancements, evolving customer expectations, and intense competition. This study investigated the impact of digital transformation capabilities—technological adaptation, strategic positioning, and competitive positioning—on perceived performance among 129 bank managers from 16 Jordanian commercial banks. Data were collected via a web-based survey that included a 29-item perceptual scale using a 5-point Likert scale. Multiple linear regression analysis revealed a significant positive relationship between these capabilities and perceived performance, explaining 68% of the variance. Specifically, technological adaptation (β = 0.310), strategic positioning (β = 0.260), and competitive positioning (β = 0.360) all significantly predicted perceived performance. Harman’s single-factor test indicated minimal common method bias, and strong positive correlations were found among all study variables. This research underscores the importance of a holistic digital transformation strategy for Jordanian banks, emphasizing the need for strategic investments in technology, competitive differentiation, and alignment with business objectives. Future research should explore additional factors such as organizational culture and regulatory frameworks and incorporate objective performance measures to provide a more ...