#5173. Beyond profitability: ICT investments and financial institutions performance measures in developing economies

August 2026publication date
Proposal available till 07-06-2025
4 total number of authors per manuscript0 $

The title of the journal is available only for the authors who have already paid for
Journal’s subject area:
Management of Technology and Innovation;
Information Systems;
Decision Sciences (all);
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Abstract:
The national and global digital transformation makes investments in information and communications technology (ICT) by financial institutions a necessity, not only for gaining a competitive advantage but also for expanding their knowledge. This study assesses the business value of ICT investments by financial institutions using a mixed-method approach. We used an extended balanced scorecard (finance, customer, internal process and learning and growth) and a sector perspective to address how future ICT investments can offer value that goes beyond traditional metrics of profitability. The results of the longitudinal study demonstrated significant evidence of the impact of ICT investment on finance performance indicators; ICT value is significantly positive. Furthermore, the results indicated that there is an acceptable consensus among business and ICT managers that ICT is linked to performance indicators beyond financial. The present study provides an integrated assessment that enables financial institutions to develop their strategies and assessments in terms of ICT investments and to go beyond typical, tangible financial profitability indicators.
Keywords:
Balanced scorecard; Financial institutions; ICT; ICT investments; ICT value

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