Abstract
Digital transformation is a socioeconomic change across organizations, individuals, societies, and ecosystems formed by the utilization and adoption of digital technologies. This study modeled the factors that drive the degree of digital transformation in the financial services sector in South Africa. Data from 350 participants was modeled in terms of seven factors: organizational IT application portfolios; organizational culture; organizational structure; organizational dynamic capabilities; leadership; employee roles and skills; and ethics. The analysis showed that organizational culture predicted 81.7% of the digital transformation.
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