The Banking Economic Value Model Based on the Perspectives of Investment, Credit, Service Quality, and Digital Banking with the Moderating Role of Bank Digitalization Level: A Systematic Literature Review
DOI:
https://doi.org/10.52909/jemeb.v4i2.203Keywords:
Perspectives of Investment, Credit, Service Quality, Digital Banking, Role of Bank Digitalization LevelAbstract
The rapid development of technology, particularly in the application of artificial intelligence (AI) in the banking sector, has attracted the attention of many researchers. The implementation of AI in various operational aspects of banking, such as investment, AI usage in credit, service quality, and bank digitalization, is expected to enhance the economic value of banks. This study aims to analyze the relationship between AI usage in the banking sector and its impact on the economic value of banks using a qualitative approach. This research analyzes 85 literatures related to these variables, obtained from journals indexed in ScienceDirect, Emerald, Google Scholar, and indexed in Scopus Q5 to Q2 and Copernicus. The research model focuses on literature analysis to identify the contribution of variables involving AI in enhancing the economic value of banking. The findings show that investment in AI, AI usage in credit, AI-based service quality, and the level of bank digitalization significantly contribute to the improvement of bank economic performance. The impact on theory indicates that AI and banking digitalization strengthen a new paradigm in enhancing the competitiveness and operational efficiency of banks. This study provides important insights for the development of a banking economic value model in the digital era while opening opportunities for further research on other factors that may influence the economic performance of banks.
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Copyright (c) 2024 Nadia Ismi Avissa, Sri Utami Ady, Nur Sayidah
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