From deregulation to the twin transition: exploring banking strategies for sustainability and digitalisation

In this paper some of the key issues related to digitalisation in agriculture and rural areas are addressed. In line with the Green Deal, the paper proposes a framework on how to address the 'twin transition' (ecological+digital) through transformative policies based on directionality, market integration and reflexivity. The framework is based on a view of digitalisation as a socio-technical process, which implies taking into account the social implications of any technology development, and centring innovation policies on a clear definition of the problems to be addressed. The paper proposes the concept of socio-cyber-physical system as a paradigm for policy strategies and for innovation and discuss its implications for sustainable digitalisation strategies in the field of agriculture and rural areas.

In today's fast-paced era, it is very important to maintain the awareness of sustainable development, and this awareness is particularly important in the development of banks. Hong Leong Bank is a multinational bank in Malaysia and one of the top five banks in Malaysia. It currently has more than 300 branches in Malaysia. The bank is technology-focused and focused on financial capabilities to serve customers in five regions. To develop better, the Bank must consider sustainable development strategies. Our research surveys and data combine to explore what kind of sustainability strategy the company implements to enable successful sustainable development. Through a sample questionnaire survey, we investigated how more than 100 banks from all walks of life are sustainable. The survey shows that it should be discussed from the perspective of the customer. First, environmental and social responsibility, pay attention to integrity, cherish employees, and integrate into the community. Our study highlights the need for a sustainability strategy in banks and explores the key factors for the successful development of Hong Leong Bank, which will help to improve the company's future development and user experience

Purpose Green and digital transitions (twin transition) help in achieving climate neutrality, cutting down the pollution level and reviving biodiversity. Organizations can mitigate their ecological footprint, improve their digital portfolio and fulfil their ethical responsibilities by fostering a sustainable global community and adhering to a well-defined plan. In such backdrop, this study aims to propose strategies by identifying the strengths, weaknesses, opportunities and threats of the twin transition and to categorize and evaluate the internal and external factors for achieving environmental sustainability. Design/methodology/approach Following a comprehensive review of the literature, 27 factors have been identified and analyzed using the strengths, weakness, opportunities and threat matrix (SWOT). Threats, opportunities, weakness, strength matrix analysis approach is used to limit risk, overcome weaknesses and take advantage of opportunities. Effective strategies are designed and implemented using strategic planning action and evaluation matrix (SPACE) and quantitative strategic planning (QSPM) approach. Findings The study found that aggressive strategies considering economic strength and global opportunities must be used to accomplish green growth objectives. Out of three strategies, the focus on green technological innovation by taking advantage of financial mechanisms at the international level is highly recommended to achieve environmental sustainability. Research limitations/implications Through promoting green and digital transformation, the current study provides insightful policy recommendations for economic development. It may help to improve operational efficacy and to obtain a competitive edge by successfully limiting their adverse environmental effects in the global market through the implementation of twin transition. The process of developing a strategy aids stakeholders, including society, workers and other parties, in giving environmental sustainability a top priority while making financial decisions. Social implications Strategy development helps society, employees and all the other stakeholders to prioritize their green and digital transition decisions for environmental sustainability. Originality/value The current study identifies the factors formulating strategies using SWOT, TOWS, SPACE and QSPM matrix analysis for achieving environmental sustainability in the pervasive twin transition.

In this paper some of the key issues related to digitalisation in agriculture and rural areas are addressed. In line with the Green Deal, the paper proposes a framework on how to address the “twin transition” (ecological+digital) through transformative policies based on directionality, market integration and reflexivity. The framework is based on a view of digitalisation as a socio-technical process, which implies taking into account the social implications of any technology development, and centring innovation policies on a clear definition of the problems to be addressed. The paper proposes the concept of socio-cyber-physical system as a paradigm for policy strategies and for innovation and discusses its implications for sustainable digitalisation strategies in the field of agriculture and rural areas.

This paper analyzes the integration of environmental, social, and governance (ESG) sustainability strategies, artificial intelligence (AI), and financial strategy in the banking industry to advance sustainable innovation and risk management. This study explores the impact of these factors on improving banking performance and risk diversification, particularly emphasizing the correlation between sustainability best practices and various financial benefits. The scientific methodology used in this paper is qualitative. It is based on the explanation and analysis of three case studies: Nova Ljubljanska Banka (NLB) in Slovenia, Erste Group Bank AG in Austria, and Bank of Valletta (BOV) in Malta. The data for these case studies were collected from official reports, documents, and other relevant sources. Also, this data was analyzed through a comparative matrix of ESG and AI performance in the studied banks. The results of the study show that the integration of ESG and AI improves financial performance and has positive effects on the sustainability and transparency of banking operations. The practical implications of this study are that banks, in general, can benefit from implementing these strategies to strengthen their competitive advantages in sustainable economic development.

The banking sector is vital to sustainable development, yet integrating sustainability into banking strategies remains challenging, particularly in developing countries with limited resources. This study systematically reviews key strategic factors driving banking sustainability and the challenges and opportunities specific to emerging markets. The PRISMA protocol collected articles from Scopus and Web of Science (1990–2024), providing 98 content-analysis articles. The findings reveal an increasing focus on banking sustainability after adopting the UN Responsible Banking Principles in 2019. Content analysis identified six main strategic factors: organisational capital, bank specialisation capability, innovative technology capability, market capability, institutional capability, and ESG capability. These insights offer valuable guidance for bankers, policymakers, and researchers in shaping sustainable banking strategies. While limited to literature-based data, this study provides a foundation for future empirical research and context-specific applications.

In recent years, with the continuous development of social economy and the official arrival of the Internet era, Internet technology has penetrated into all fields of social economy, greatly changed people's way of production and life, and brought unprecedented opportunities and challenges for the development and innovation of all walks of life. At present, under the background of deepening financial innovation, the operation mode of Internet finance has been recognized by the majority of customers, but it also has a certain impact on the business of commercial banks. The survival and development of commercial banks are facing many challenges, forcing commercial banks to constantly change their operation mode to meet the needs of competitive development. Based on this, this paper starts with the concept and characteristics of Internet finance, analyzes the impact of the Internet on the operation of commercial banks, https://fanyi.youdao.com/download 2 and uses SWOT model to analyze the advantages, disadvantages, opportunities and challenges of the transformation and development of commercial banks under the background of Internet finance, and finally puts forward the countermeasures for commercial banks to achieve sustainable development. The purpose of this paper is to promote the traditional commercial banks to find a way to coexist with Internet finance and provide customers with more distinctive financial services.

One of the Indonesian government’s policies to achieve national beef self-sufficiency is the 1000 beef village program. The program was piloted in many cattle-farming centers involving the operation of a feed bank to supply animal feed to tackle the challenge of feed limitation during the dry season. This study evaluates the sustainability status of an ongoing feed bank program and its development strategy based on the current progress of a feed bank used to serve five groups of farmers. Ninety sustainability attributes were derived based on six dimensions. The attributes were compiled from the primary data collected using a questionnaire. Expert opinions from practitioners were also considered in evaluating the attributes. The feed bank’s sustainability status and development strategy were determined using the multi-dimensional scaling method with the rapid appraisal approach. It was found that the overall sustainability status of the feed bank was less sustainable, with an overall score of 49.55. The individual dimensions of (A) policy and government support, (B) raw material, (C) facilities and infrastructure, (D) feed bank management, (D) human resource management, (E) price, production, and (F) distribution systems posed sustainability scores of 48.48, 60.33, 48.57, 47.89, 48.76, and 44.64, respectively. Among the 90 predefined attributes, 21 were identified as highly sensitive through both the root mean square and expert opinion. Those attributes led to five main recommended development strategies: (1) strengthening the institution, (2) intensifying training, (3) increasing human resources (4) partnership developments, and (5) increasing the role of multi-stakeholders.

Sustainable corporate banking strategies are increasingly recognized as pivotal to enhancing U.S. financial institutions’ competitiveness and long-term growth. This paper investigates how organizational agility, operational efficiency, and innovation adoption reinforce banks’ resilience within volatile global environments. By synthesizing insights from recent empirical findings and case studies, we illustrate how cutting-edge technologies such as Artificial Intelligence (AI), Robotic Process Automation (RPA), and big-data analytics streamline complex corporate banking processes and bolster strategic partnerships with fintech enterprises. In turn, these collaborations catalyze the development of specialized financial services, ESG-aligned lending programs, and product portfolios tailored to the specific realities of emerging markets. Empirical evidence suggests that organizational structures supporting flexibility and robust risk-management frameworks enable institutions to navigate regulatory heterogeneity, leverage innovative funding mechanisms, and deliver sustainable value across diverse geographies. Additionally, the proliferation of blockchain-based payment infrastructures and integrated analytics platforms proves instrumental in reducing costs and expediting cross-border transactions. Through a comparative assessment of corporate banking’s digital transformation and market expansion strategies, we emphasize how banks can optimize operational capabilities, broaden client bases, and strengthen global networks. This research ultimately contributes to the existing body of knowledge by articulating a clear set of recommendations for U.S. financial institutions seeking to expand into emerging markets sustainably, balancing risk mitigation with socioeconomic impact.

Objective: This study aims to analyze the internal and external factors that influence the development of mobile banking in conventional banks in indonesia, as well as formulate sustainable strategies that are able to maximize opportunities and overcome challenges in the era of digital transformation. Research Design & Methods: The study used a descriptive qualitative approach with SWOT analysis method to identify the strengths, weaknesses, opportunities, and threats faced by conventional banks in the implementation of mobile banking. Data was obtained through the study of current literature, industry reports, and relevant academic publications. Findings: The analysis shows that reputation, credibility, and customer loyalty are key strengths that can be leveraged to overcome cost constraints, IT infrastructure complexity, and internal resistance to new technologies. Strategic opportunities include expanding financial inclusion in remote areas and improving operational efficiency through automation and analytics technology. Key threats include the digital divide and increased cybersecurity risks. Implications & Recommendations: Conventional banks should adopt a mobile banking development strategy that emphasizes cross-stakeholder collaboration, relevant product innovation, and digital literacy programs to reduce the access gap. In addition, investment in cybersecurity and IT infrastructure modernization should be prioritized to maintain customer trust. Contribution & Value Added: This research provides a practical contribution in formulating a sustainable mobile banking strategy in Indonesia by considering local conditions, digital divide, and market dynamics. Academically, this research enriches the literature on the application of SWOT analysis to the development of digital financial services in developing countries.

Impact of the Financial Shock by COVID-19 on Profitability and Sustainable Strategies of Chinese Commercial Banks

Waste banks are one of the waste management that have the potential to reduce the burden of waste in the final processing site. Until now, there is a large amount of waste banks to accommodate waste from the surrounding environment. Bandung, as a city that experienced a waste emergency in 2005, has encouraged its citizens to operate waste banks, both school scale, neighborhood and for a larger scope. Bandung City Government also cooperates with several waste banks to conduct several programs with the aim to increase public awareness of environmental cleanliness. Waste banks that have been built mostly do not come with good management, so some waste banks only feasible in a short time. The purpose of this study is to obtain a waste bank management model based on existing conditions using the Multidimensional Scaling Method. This method exploring data provides a visual picture of the proximity patterns in the form of similarities or distances between a set of objects. This method will be useful for the formulation of waste bank sustainability recommendations in its marketing strategy and diversification of its business without reducing the essence of waste banks as part of environmental management. The representation of the waste bank that was used as the object of the study was the Raafi Elementary School Waste Bank. Data processing uses Rapfish/Rap-Bash software with multidimensional scale methods. Data processing results are used to formulate the sustainability strategy of waste banks.

The analysis of optimal output efficiency with traditional data envelopment analysis (DEA) cannot be directly applied to a production strategy of promoting the sustainable development of Chinese banks, because both inputs and outputs increase during economic development. In this paper, a new DEA is presented with two innovations. The First innovation is that, the research data are extended to time-series data instead of cross-section data as before. The second is, the simultaneous increase in input and output from the input/output decrease/increase production is developed. As an application of the BCC (Banker, Charnes, Cooper) Bi-objective Generalized DEA (Bi-GDEA) model, the simulation strategies were well implemented in Chinese banks in 2017 using data from 2004 to 2015. The three inputs and one output of the banking sector have been adjusted to make each year’s decision making unit (DMU) efficient in the framework of 2004 to 2017, and both inputs and outputs are monotone increased. It may provide an alternative strategy for the effectiveness and sustainability of Chinese banks development.

This research explores how Islamic ethics are—or aren't—being put into practice in the sustainability strategies of Jordanian banks. Using interviews with senior managers and analysis of recent sustainability reports from Arab Bank, Al Ahli Bank, and Housing Bank, the study examines whether principles like khalifa (stewardship), adl (justice), and amanah (trust) are genuinely reflected in bank policies or just used for appearances. While all three banks reference the Sustainable Development Goals (SDGs), Islamic values often remain on the sidelines. The findings reveal a noticeable gap between religious ideals and what actually happens inside institutions. To bridge this divide, the paper suggests reforms in regulation, better alignment between ethics and reporting, faith-based financial innovation like green Sukuk, and stronger staff training. The aim is to offer practical steps toward an Islamic banking model that takes its values seriously—beyond surface-level commitments.

Waste banks solve the waste problem by involving the community in waste sorting and processing, which contributes to improving the local economy. This research aims to explore the implementation of the performance of waste banks from economic, social, and environmental aspects, as well as the sustainability strategy of waste banks in Makassar City. This research uses qualitative descriptive analysis. The results showed that waste banks in Makassar City have fulfilled two pillars of sustainability: economic and environmental. This is evident from the increased income of the community, especially the low-income ones, and the effectiveness of waste management that supports waste reduction. However, these waste banks still face social challenges, mainly related to the community's low participation and the manager's non-optimal role. To improve sustainability, this study proposes several strategies, such as increasing community participation through socialisation and social media to educate the importance of waste management, affirming waste sorting regulations, strengthening the role of waste bank managers, and improving facilities and infrastructure that support waste bank operations. Implementing these strategies is expected to ensure that waste banks in Makassar City operate sustainably.