J
Journal of Economics, Management, Entrepreneurship, and Business (JEMEB) Abnus Publisher

The Banking Economic Value Model Based on the Perspectives of Investment, Credit, Service Quality, and Digital Banking with the Moderating Role of Bank Digitalization Level: A Systematic Literature Review

2024-12-30
Published
51-68
Pages
OPEN
Access
NA
Nadia Ismi Avissa
Universitas Dr.Soetomo, Surabaya, Indonesia
S
Sri Utami Ady
Universitas Dr.Soetomo, Surabaya, Indonesia
N
Nur Sayidah
Universitas Dr.Soetomo, Surabaya, Indonesia
Abstract

The rapid development of technology, particularly in the application of artificial intelligence (AI) in the banking sector, has attracted the attention of many researchers. The implementation of AI in various operational aspects of banking, such as investment, AI usage in credit, service quality, and bank digitalization, is expected to enhance the economic value of banks. This study aims to analyze the relationship between AI usage in the banking sector and its impact on the economic value of banks using a qualitative approach. This research analyzes 85 literatures related to these variables, obtained from journals indexed in ScienceDirect, Emerald, Google Scholar, and indexed in Scopus Q5 to Q2 and Copernicus. The research model focuses on literature analysis to identify the contribution of variables involving AI in enhancing the economic value of banking. The findings show that investment in AI, AI usage in credit, AI-based service quality, and the level of bank digitalization significantly contribute to the improvement of bank economic performance. The impact on theory indicates that AI and banking digitalization strengthen a new paradigm in enhancing the competitiveness and operational efficiency of banks. This study provides important insights for the development of a banking economic value model in the digital era while opening opportunities for further research on other factors that may influence the economic performance of banks.

Perspectives of Investment Credit Service Quality Digital Banking Role of Bank Digitalization Level
How to Cite
The Banking Economic Value Model Based on the Perspectives of Investment, Credit, Service Quality, and Digital Banking with the Moderating Role of Bank Digitalization Level: A Systematic Literature Review. (2024). Journal of Economics, Management, Entrepreneurship, and Business (JEMEB), 4(2), 51-68. https://doi.org/10.52909/jemeb.v4i2.203
Endnote/Zotero/Mendeley (RIS) BibTeX
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The Banking Economic Value Model Based on the Perspectives of Investment, Credit, Service Quality, and Digital Banking with the Moderating Role of Bank Digitalization Level: A Systematic Literature Review. (2024). Journal of Economics, Management, Entrepreneurship, and Business (JEMEB), 4(2), 51-68. https://doi.org/10.52909/jemeb.v4i2.203
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