Title: Digital transformation in the banking sector: surveys exploration and analytics

Authors: Fadoua Khanboubi; Azedine Boulmakoul

Addresses: LIM Lab. IOS, Department of Computer Science, Faculty of Sciences and Technology Mohammedia, Mohammedia, Morocco ' LIM Lab. IOS, Department of Computer Science, Faculty of Sciences and Technology Mohammedia, Mohammedia, Morocco

Abstract: This article proposes an approach to assist and support financial institutions in their digital transformation. Whether it is adapting to change to remain competitive or developing an activity, the digital transformation of the company has become unavoidable. Remember that the aim of processes is to structure a company's business; it would therefore be axiomatic to study the impact of the digital environment on banking processes. This analysis will allow us to draw a roadmap to direct banks towards a successful digital transformation. The data used in this work are provided from a survey sent to specialists of the financial sphere to fill a correlation's matrix between the banking processes and the digital risks. A special analysis, using data mining tools, fuzzy dissimilarity and R ecosystem to categorise banking processes allow us to propose a systemic approach to assist the bank's digital transformation.

Keywords: digital transformation; banking processes; digital risks; data mining; fuzzy dissimilarity; clustering; digital banking; fintech; banking business model; data mining.

DOI: 10.1504/IJISCM.2019.104613

International Journal of Information Systems and Change Management, 2019 Vol.11 No.2, pp.93 - 127

Received: 06 Nov 2018
Accepted: 14 Jun 2019
Published online: 24 Jan 2020 *

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