Comparing Dynamic Capabilities in Digital Banking: Economic Integration and Women in the East African Community
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Date
2026
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Publisher
Open Access
Abstract
This study sought to identify the “comparing dynamic capabilities in digital banking institutions in developed and developing countries” through a Quantitative research approach. The population of the study comprised 101 participants who were the IT managers, innovation officers, compliance staff, and executives. They were selected through purposive sampling and Stratified Random Sampling techniques. Questionnaires and interviews were used to collect data. Data were analysed with the aid of the Statistical Package for Social Sciences (SPSS) version 25. The findings of the current study indicate a significant positive correlation with sustainable competitive advantage. Ambidexterity had the strongest correlation (r = .49), followed by UTAUT2 (r = .44), government regulation (r = .41), and digital transformation (r = .38). The strong inter correlations among UTAUT2, ambidexterity, and digital transformation highlight potential overlap in their influence. This means that digital banking in developed countries is more advanced than in developing countries. It is concluded that digital banking in developing countries, Tanzania, particularly, is not satisfied related to developed countries. It is recommended that there is a need to invest in digital technology, particularly for developing countries, to bridge the gap that exists between developed and developing countries.
Sustainable Development Goals
SDG - 9 : Industry, Innovation and Infrastructure
Keywords
Digital Banking, Dynamic Capabilities, Institution