Technological innovation, an imperative for digitization of banks and microfinances in search of commercial performance performance

L’innovation technologique, un impératif pour la digitalisation des banques et des microfinances en quête de performance commerciale

Augustin Junior Mbam ()
Additional contact information
Augustin Junior Mbam: Université de Douala

Post-Print from HAL

Abstract: This research describes the contribution of technological innovation to the digitalization of banks and MFIs in search of commercial performance. To achieve this, we opted for an exploratory qualitative approach. Based on an individual interview protocol, interviews were conducted with 10 bank and microfinance managers from the main cities of Cameroon (Yaoundé and Douala). The data collected was processed using NVIVO software. Thus, the results to which we arrive identify three main key factors of the contribution of technological innovation to the digitalization of banks and microfinance in search of commercial performance. These factors are linked to customer satisfaction via digital technology, linked to cost reduction via digital technology and linked to competition resulting from the imperative of digital technology. In addition, banks and microfinance come up against fierce competition and need to digitize more thanks to technological innovations in order to better meet the expectations of an increasingly demanding customer base.

Keywords: Numérique digitalisation innovation technologique performance commerciale banques microfinances Digital digitization technological innovation commercial performance banks microfinance; Numérique; digitalisation; innovation technologique; performance commerciale; banques; microfinances Digital; digitization; technological innovation; commercial performance; banks; microfinance (search for similar items in EconPapers)
Date: 2022
Note: View the original document on HAL open archive server: https://hal.science/hal-04463640
References: View references in EconPapers View complete reference list from CitEc
Citations:

Published in Edition LE MANIFESTE. Le management et le manager à l’ère du digital, 2022, 978-9920-588-21-8

Downloads: (external link)
https://hal.science/hal-04463640/document (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-04463640

Access Statistics for this paper

More papers in Post-Print from HAL
Bibliographic data for series maintained by CCSD ().