“…Studies on VCC and VCD in SDL have focused on specific sectors, such as tourism (Arıca et al, 2022;Bordian & Gil-saura, 2021;Freire & Veríssimo, 2021;Hamidi et al, 2020;Solakis et al, 2017 ;Sthapit & Björk, 2020), transport (Echeverri & Skålén, 2011a;Schulz et al, 2021;Trittin-Ulbrich et al, 2021), ecosystems (Chen & Lin, 2018;Fuentes et al, 2019;Hogg et al, 2019;Hogg et al al. al., 2021) and social media (Bordian & Gil-saura, 2021;Kuppelwieser & Finsterwalder, 2016;Minina et al, 2022;Moghadamzadeh et al, 2020;Pulkkinen et al, 2019;Zuboff, 2015) ; in addition to other research spread across various sectors. However, few studies have been dedicated to the challenges of Digital Transformation, especially in the financial services segment, which has advanced in digitalization and its operations affect several other sectors (Martins et al, 2019).…”