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“Decoding Digital Transformation In Banking: From Insight to Impact through a Panel Study of Tunisian Banks with PCA and Logistic Regression“

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  • Souha Kerouat

    (University of Manouba, Higher School of Commerce of Tunis, ThéMA Laboratory LR16_ES10, Tunisia)

  • Hatem Salah

    (University of Manouba, Higher School of Commerce of Tunis, ThéMA Laboratory LR16_ES10, Tunisia)

Abstract

This study explores the factors influencing the adoption of digital technologies in the Tunisian banking sector. Using a structured survey completed by 122 senior banking professionals from ten major banks, the research examines five key areas: external influences, benefits, attitudes, organizational capacity, and technology diffusion. Statistical methods, including Principal Component Analysis and logistic regression, were applied to identify the main drivers of digital adoption. The results show that none of the analyzed factors significantly explain the adoption of digital technologies in Tunisian banks. This contrasts with findings in more digitally advanced countries and highlights specific challenges such as the widespread use of cash, low banking access, limited digital literacy, and trust issues. Although the COVID-19 pandemic has boosted digital finance adoption, Tunisia’s banking sector remains in an early stage of digital transformation. The study concludes that banks need to strengthen digital skills, invest in emerging technologies like biometrics and artificial intelligence, and improve cybersecurity to unlock the full potential of digital banking. These insights offer guidance for policymakers and practitioners aiming to accelerate digital innovation in developing economies.

Suggested Citation

  • Souha Kerouat & Hatem Salah, 2025. "“Decoding Digital Transformation In Banking: From Insight to Impact through a Panel Study of Tunisian Banks with PCA and Logistic Regression“," International Journal of Research and Scientific Innovation, International Journal of Research and Scientific Innovation (IJRSI), vol. 12(7), pages 295-314, July.
    • Handle: RePEc:bjc:journl:v:12:y:2025:i:67:p:295-314
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    References listed on IDEAS

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    3. Ozili, Peterson Kitakogelu, 2018. "Impact of Digital Finance on Financial Inclusion and Stability," MPRA Paper 84771, University Library of Munich, Germany.
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    5. Anagnostopoulos, Ioannis, 2018. "Fintech and regtech: Impact on regulators and banks," Journal of Economics and Business, Elsevier, vol. 100(C), pages 7-25.
    6. Catherine Viot & Grégory Bressolles, 2012. "LES AGENTS VIRTUELS INTELLIGENTS Quels atouts pour la relation client ?," Post-Print hal-01803745, HAL.
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