<![CDATA[Digital banking transformation requires employees to adapt to changing technologies, work processes, and organizational demands, making employee readiness a critical factor in its implementation. This study examines the effect of transformational leadership on Jatimers’ readiness to face the digital banking era, the effect of EXPRESI organizational culture on readiness, and its moderating role in the relationship between transformational leadership and employee readiness. Using a quantitative explanatory approach, data were collected from 206 Bank Jatim employees through a Likert-scale questionnaire and analyzed using Structural Equation Modeling with AMOS. The results indicate that transformational leadership has a positive and significant effect on employee readiness (β = 0.351; p = 0.038), while EXPRESI organizational culture also has a positive and significant effect (β = 0.519; p = 0.003). However, EXPRESI significantly moderates the relationship between transformational leadership and employee readiness in a negative direction (β = −0.119; p = 0.013), indicating that a stronger organizational culture reduces the incremental contribution of transformational leadership to employee readiness. The structural model explains 73.1% of the variance in employee readiness. These findings emphasize that digital banking transformation requires alignment between transformational leadership and a strong organizational culture.]]>
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