324 Business Banking Case Studies

When requested about potential improvements, the presence of physical branches scored the very best , followed by improved security related to the challenges mentioned in the previous paragraph and improved digital companies . Most clients report optimistic life modifications due to their use of TymeBank. Importantly, ranges of buyer satisfaction enhance as buyer revenue decreases. This suggests that the TymeBank worth proposition tailor-made to lower-income customers resonates properly. Importantly, women make up a larger share of the total variety of GoalSave customers in comparison with their representation within the overall buyer base .

Patterns Of Disruption: Impact On Wholesale Banking

On this basis, we view disclosure relating to digitalization activities as a “form of intellectual capital disclosure” (Ricci et al., 2020, p. 1). Consistent with this angle and with the literature , we assumed that digitalization disclosure could represent the banks’ commitment to digitalization. Hence, we used content material analysis to generate a digital disclosure index able to scoring info on digitalization development broken down into Human, Structural and Relational activities. Digital transformation is a key element of information creation processes by which intangible sources could be generated (Veltri et al., 2012). At present, intangibles increasingly contribute to global productiveness and financial growth.

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