Systematic evaluation of banking sector business model sustainability in digital era
Posted: Aug 30, 2021
Abstract
This research presents a novel methodological framework for evaluating banking sector business model sustainability in the rapidly evolving digital landscape. Traditional banking sustainability assessments have primarily focused on financial metrics and regulatory compliance, failing to adequately capture the transformative impact of digital technologies and changing consumer behaviors. Our study introduces a multi-dimensional sustainability evaluation matrix that integrates digital resilience, environmental impact, social responsibility, and economic viability into a unified analytical framework. We developed and validated this approach through comprehensive analysis of 150 global banking institutions across diverse market contexts. The methodology employs advanced natural language processing techniques to analyze digital transformation strategies from corporate disclosures, combined with machine learning algorithms to assess sustainability performance across multiple temporal dimensions. Our findings reveal three distinct archetypes of digital-era banking sustainability: digitally-native resilient models, hybrid transition models, and legacy vulnerable models. The research demonstrates that digital maturity alone is insufficient for long-term sustainability; rather, successful institutions exhibit strategic alignment between digital capabilities, environmental stewardship, and social value creation. This study contributes to both academic literature and practical banking management by providing a systematic tool for assessing business model sustainability in an era characterized by technological disruption, climate change pressures, and evolving stakeholder expectations.
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