Purpose Every aspect of life has been affected by digitization, and the use of digital technologies to deliver banking services has increased significantly. The purpose of this study was to give a thorough review and pinpoint the intellectual framework of the field of research of the digital banking transformation (DBT). Methodology This study employed bibliometric and network analysis to map a network in a single study, and a total of 268 publications published between 1989 and 2022 were used. Findings Our findings demonstrate that the UK, USA, Germany, and China are the countries that have conducted most of the studies on the digital banking transformation. Only China and India are considered emerging economies; everyone else is looking at it from a developed economy perspective. Additional research reveals that papers rated with A* and A grades frequently publish studies on digital banking transformation. Once more, the analysis identifies key theoretical underpinnings, new trends and research directions. The current research trend points toward FinTech, block chain, mobile financial services apps, artificial intelligence, mobile banking service platforms and sustainable business models. The importance of emphasizing the need for additional research in these fields of study cannot be stressed, given the expanding popularity of blockchain technology and digital currency in the literature. Originality It appears that this is the first study that examines the theoretical studies of digital banking transformation using bibliometric analysis. The second element of originality is about the multiple dimensions of the impact of technology in the banking sector, which includes customer, company, bank, regulation authority and society.
The growth of Ghana's business ecosystem is examined in this article. The business ecosystem is a growing sector in terms of both volume and economic impact, particularly in emerging countries. The paper is an exploratory study that looks at the ecosystem's structure, laying the groundwork for future strategic analysis of the system. We used data from 2004 to 2020 extracted from Bank of Ghana annual reports and Ghana payment system reports. To illustrate the intensity of the system, issues confronting ecosystems, critical resource requirements, and motivation for Ghana to establish its own business ecosystem, we use Moore's business ecosystem theory. Also, to explain the appropriate workflow for the participants in the system, we drew heavily on Iansiti and Levien's work as well as that of Senyo’s et al. We have recommended that businesses pursue co-creation, networking, enhancing openness, and releasing information in their efforts to build a formidable business ecosystem in Ghana. It is also stated that, for the purpose of state security, governments should create a policy framework and improve regulation to provide an enabling environment for the country's business ecosystem to thrive.
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