Abstract
Purpose This study aims to comprehensively understand the regulatory landscape and digital transformation (DT) within the banking sector, anchored in the theory of national innovation systems. Design/methodology/approach Using insights from a comprehensive literature review, an innovative framework is introduced to categorize regulators and digital banking attributes across 88 countries. The study uses k-means clustering to analyze the digital banking and regulatory status of 88 countries, tracing their evolution over two distinct timeframes. Findings The cross-country analysis spanning 2014 and 2022 reveals compelling trends in regulatory rankings and digital banking across diverse nations. These findings shed light on the dynamic interplay between regulatory environments and technological innovation. Originality/value This research contributes to knowledge by establishing a robust framework for understanding regulator dynamics in digital banking across a wide spectrum of countries. It offers valuable insights for academia, practitioners and policymakers by elucidating the complex relationship between the regulatory landscape and DT, shaping discourse and implications in this field, and informing strategic decision-making and policy formulation in the global financial landscape.
Published Version
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