The Impact of Employees’ Digital Competence on Banking Digital Transformation, Case Study: Local Palestinian Banksرسالة ماجستير

Abstract

This study explored the impact of employees' digital competence on banking digital transformation in Palestinian local banks, utilizing a mixed-methods approach. The population included willing local Palestinian banks employees, with a sample size of 357 participants selected through stratified random sampling. Data were collected via an electronic and hand-distributed questionnaire and a semi-structured interview with the Palestine Monetary Authority. The findings revealed a notably high digital competence among local Palestinian Banks employees. Digital knowledge digital attitude emerged as a strong driver of digital transformation. Digital skills also contributed but had a subtle effect, suggesting the influence of additional organizational and strategic factors. Demographic variables like gender, age, academic qualifications, and experience do not significantly affect digital competence or the digital transformation, emphasizing the Palestinian local banks' inclusive digital culture. However, job level did impact digital competencies and transformation, likely due to senior employees' greater involvement in strategic decisions. The study concludes with comprehensive recommendations for interested researchers and governing authorities, suggesting potential areas for further investigation.