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What is Digital Transformation in Banking? Digital transformation in banking refers to the process by which banks and financial institutions adopt digital technologies and strategies to optimize operations, enhance customer experiences, and streamline decision-making (IBM, n.d.). This transformation often involves breaking down legacy systems, leveraging large volumes of data, and re-imagining the customer journey through digital channels (SAS, n.d.). Key Drivers of Technolo

What Is M&A? A merger is the combination of two companies to form a new entity, typically as partners, while an acquisition occurs when one company purchases another, either through stock or asset ownership (PwC, 2022). The underlying goal of M&A is value creation — generating greater efficiency, revenue, or innovation than either firm could achieve independently (Harford, 2005). Companies pursue M&A to strengthen market power, expand operations, or accelerate technological g