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All Journal International Journal of Financial, Accounting, and Management
Gunawardane, Sandani
Unknown Affiliation
Decision Sciences, Operations Research & Management

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Modernization practices and Operating Models: An Empirical Study on a Retail Bank in Sri Lanka Seneviratne, S M Chaturika; Gunawardane, Sandani
International Journal of Financial, Accounting, and Management Vol. 4 No. 2 (2022): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v4i2.865

Abstract

Purpose: The purpose of this research is to investigate how modernization practices adopt concerning operating models, to comprehend how a retail bank has responded to such transformations, and to investigate the challenges in executing modernization strategies in a Sri Lankan local bank. Research methodology: This study was conducted according to a qualitative single-case study at one leading licensed-commercial bank in Sri Lanka. Data was gathered from semi-structured interviews, direct observations, and archival documents. Results: The findings revealed that unprecedented changes in customer behavior, fierce competition, and capitalizing on capabilities for surviving a dynamic operational landscape were the factors that led a bank to adopt modernization. Limitations: As the study narrowed down to one leading retail bank, it does not cover modernization initiatives offered within the other services portfolio in the banking industry. Contribution: The findings assist professionals to understand the need for modernization of a retail bank’s operating model and thereby formulate strategies in order to capture the benefits of such a transformation.
Co-Authors Seneviratne, S M Chaturika