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Strategic Adoption of Digital Banking Innovations as a Source of Competitive Advantage for Zambian Commercial Banks: A Case Study of Access Bank

Author

Listed:
  • Makungu, Hollis

    (Graduate School of Business, University of Zambia)

  • Chawala, Moffat

    (Copperbelt University)

Abstract

In the modern Zambian financial landscape, technological innovation has evolved from a support function to a critical driver of institutional survival and competitive advantage. This study investigated the impact of the strategic adoption of digital banking innovations on the competitive advantage of commercial banks in Zambia, with a focus on Access Bank Zambia. Anchored in the Resource-Based View (RBV) and Diffusion of Innovation (DOI) theory, the study examined whether digital banking tools constitute valuable, rare, inimitable, and organized (VRIO) resources capable of enhancing competitive positioning. A positivist research philosophy and quantitative descriptive design were adopted. Data were collected through structured questionnaires administered to 287 middle and senior management staff, achieving a response rate of 89.2% (n=256). Inferential analysis using SPSS version 27 revealed that mobile banking accessibility is a dominant predictor of institutional performance, explaining 45.8% of the variance (R² = 0.458, p

Suggested Citation

  • Makungu, Hollis & Chawala, Moffat, 2026. "Strategic Adoption of Digital Banking Innovations as a Source of Competitive Advantage for Zambian Commercial Banks: A Case Study of Access Bank," African Journal of Commercial Studies, African Journal of Commercial Studies, vol. 7(2).
    • Handle: RePEc:cwk:ajocsk:2026-66
    DOI: 10.59413/ajocs/v7.i2.47
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    Keywords

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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • M15 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - IT Management

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