Anzola-Román, P., Bayona-Sáez, C., & García-Marco, T. (2018). Organizational innovation,
internal R&D and externally sourced innovation practices: Effects on technological innovation
outcomes. Journal of Business Research, 91, 233-247. https://doi.org/10.1016/j.jbusres.2018.06.014
Astuti, E. S., Sanawiri, B., & Iqbal, M. (2020). Attributes of innovation, digital technology and
their impact on sme performance in Indonesia. International Journal of Entrepreneurship,
(1), 1-14. https://doi.org/10.6084/m9.figshare.12228692.v1
Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizgin, H., & Patil, P. (2019). Consumer
use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model.
International Journal of Information Management, 44, 38-52. https://doi.org/10.1016/j.ijinfomgt.2018.09.002
Banker, R., Chen, P. Y., Liu, F. C., & Ou, C. S. (2009). Business value of it in commercial banks. ICIS 2009 Proceedings, 76, 1-10. https://aisel.aisnet.org/icis2009/76
Bhatt, A., & Bhatt, S. (2016). Factors affecting customers adoption of mobile banking services.
Journal of Internet Banking and Commerce, 21(1), 1-22. https://www.icommercecentral.
com/open-access/factors-affecting-customers-adoption-of-mobile-banking-services.php?aid=70189
Bogner, W. C., & Barr, P. S. (2000). Making sense in hypercompetitive environments: A cognitive
explanation for the persistence of high velocity competition. Organization Science, 11(2), 212-226. https://www.jstor.org/stable/2640285
Chan, C. M., Teoh, S. Y., Yeow, A., & Pan, G. (2019). Agility in responding to disruptive digital
innovation: Case study of an sme. Information Systems Journal, 29(2), 436-455. https://doi.org/10.1111/isj.12215
Cheung, G. W., & Lau, R. S. (2008). Testing mediation and suppression effects of latent variables: Bootstrapping with structural equation models. Organizational research methods,
(2), 296-325. https://doi.org/10.1177/1094428107300343
Chew, I. K. H., & Chong, P. (1999). Effects of strategic human resource management on strategic vision. The International Journal of Human Resource Management, 10(6), 1031-1045.
https://doi.org/10.1080/095851999340107
Chin, W. W. (1998). The partial least squares approach to structural equation modeling. In G. A. Marcoulides (ed.), Modern Methods for Business Research (pp. 295-336). Lawrence Erlbaum Associates Publishers.
Chin, W. W. (2010). How to write up and report pls analyses. In V. Esposito Vinzi, W. Chin, J.
Henseler, & H. Wang (eds), Handbook of partial least squares (pp. 655-690). Springer. https://doi.org/10.1007/978-3-540-32827-8_29
Clemons, E. K. (1986). Information systems for sustainable competitive advantage. Information & Management, 11(3), 131-136.
Clemons, E. K., & Row, M. C. (1991). Sustaining it advantage: The role of structural differences. mis quarterly, 15(3), 275-292. https://doi.org/10.2307/249639
Cohen, W. M., & Levinthal, D. A. (1990). Absorptive capacity: A new perspective on learning
and innovation. Administrative Science Quarterly, 35(1), 128-152. https://doi.org/10.2307/2393553
Coombs, J. E., & Bierly III, P. E. (2006). Measuring technological capability and performance.
R&D Management, 36(4), 421-438. https://doi.org/10.1111/j.1467-9310.2006.00444.x
Çakir, F. S. (2019). Kısmi en küçük kareler yapısal eŞitlik modellemesi (pls-sem) ve bir ygulama.
Sosyal AraŞtırmalar ve DavranıŞ Bilimleri, 5(9), 111-128. http://www.sadab.org/FileUpload/bs701867/File/kismi_en_kucuk_kareler.pdf
Demo, G., Neiva, E. R., Nunes, I., & Rozzett, K. (2012). Human resources management policies
and practices scale (hrmpps): Exploratory and confirmatory factor analysis. bar-Brazilian
Administration Review, 9, 395-420. https://doi.org/10.1590/S1807-76922012005000006
Edquist, C., Zabala-Iturriagagoitia, J. M., Barbero, J., & Zofío, J. L. (2018). On the meaning of
innovation performance: Is the synthetic indicator of the Innovation Union Scoreboard flawed? Research Evaluation, 27(3), 196-211. https://doi.org/10.1093/reseval/rvy011
Farah, M. F., Hasni, M. J. S., & Abbas, A. K. (2018). Mobile-banking adoption: Empirical evidence
from the banking sector in Pakistan. International Journal of Bank Marketing, 36(7), 1386-1413. https://doi.org/10.1108/IJBM-10-2017-0215
Fitzgerald, M., Kruschwitz, N., Bonnet, D., & Welch, M. (2014). Embracing digital technology:
A new strategic imperative. mit Sloan Management Review, 55(2), 1-12. https://sloanreview.
mit.edu/projects/embracing-digital-technology/
Floyd, S. W., & P. J. Lane (2000). Strategizing throughout the organization: Managing role conflic in strategic renewal. The Academy of Management Review, 25(1), 154-177. https://doi.org/10.2307/259268
Gawer, A. (Ed.). (2011). Platforms, markets and innovation. Edward Elgar Publishing. Gibbard, D. (2014). The Flaw in Omni-Channel Banking, Why Bi-Direction Channel. https://www.finextra.com/blogposting/10140/omnichannel-flaw-why-bi-direction-channel-banking-is-next
Grandon, E. E., & Pearson, J. M. (2004). Electronic commerce adoption: An empirical study
of small and medium us businesses. Information & management, 42(1), 197-216. https://doi.org/10.1016/j.im.2003.12.010
Gratton, L. (1994). Implementing strategic intent: Human resource processes as a force for
change. Business Strategy Review, 5(1), 47-66. https://doi.org/10.1111/j.1467-8616.1994.tb00069.x
Gu, J. Z., & Tayi, G. K. (2016). Consumer pseudo-showrooming and omni-channel product
placement strategies. mis Quarterly, 41(2), 583-606. https://www.jstor.org/stable/26629727
Gunning, D., Stefik, M., Choi, J., Miller, T., Stumpf, S., & Yang, G. Z. (2019). xai—Explainable
artificial intelligence. Science Robotics, 4(37), 1-5. https://doi.org/10.1126/scirobotics.aay7120
Hair, J. F., Anderson, R. E., Babin, B. J., & Black, W. C. (2010). Multivariate data analysis: A global perspective. Pearson Education.
Hameed, W. U., Nisar, Q. A., & Wu, H. C. (2021). Relationships between external knowledge, internal innovation, firms’ open innovation performance, service innovation and business
performance in the Pakistani hotel industry. International Journal of Hospitality Management, 92, 1-15. https://doi.org/10.1016/j.ijhm.2020.102745
Hanelt, A., Firk, S., Hildebrandt, B., & Kolbe, L. M. (2021). Digital M&A, digital innovation, and
firm performance: an empirical investigation. European Journal of Information Systems, 30(1), 3-26. https://doi.org/10.1080/0960085X.2020.1747365
Holzinger, A., Searle, G., & Nischelwitzer, A. (2007). On some aspects of improving mobile
applications for the elderly. In C. Stephanidis (ed.), International Conference on Universal Access in Human-Computer Interaction (pp. 923-932). Springer. https://doi.org/10.1007/978-3-540-73279-2_103
Hughes, D. J., Lee, A., Tian, A. W., Newman, A., & Legood, A. (2018). Leadership, creativity, and
innovation: A critical review and practical recommendations. The Leadership Quarterly, 29(5), 549-569. https://doi.org/10.1016/j.leaqua.2018.03.001
Illia, A., Ngniatedema, T., & Huang, Z. (2015). A conceptual model for mobile banking adoption. Journal of Management Information and Decision Sciences, 18(1), 111-122. https://www.abacademies.org/articles/aimsjvol18no12015.pdf
James, K., & Lahti, K. (2011). Organizational vision and system influences on employee inspiration and organizational performance. Creativity and Innovation Management, 20(2), 108-120. https://doi.org/10.1111/j.1467-8691.2011.00595.x
Kahn, K. B. (2018). Understanding innovation. Business Horizons, 61(3), 453-460. https://doi.org/10.1016/j.bushor.2018.01.011
Kazan, E., Tan, C. W., Lim, E. T., Sørensen, C., & Damsgaard, J. (2018). Disentangling digital
platform competition: The case of uk mobile payment platforms. Journal of Management
Information Systems, 35(1), 180-219. https://doi.org/10.1080/07421222.2018.1440772
Khin, S., & Ho, T. C. (2019). Digital technology, digital capability and organizational performance: A mediating role of digital innovation. International Journal of Innovation Science, 11(2), 177-195. https://doi.org/10.1108/IJIS-08-2018-0083
Klein, M. U., & Mayer, C. (2011). Mobile banking and financial inclusion: The regulatory
lessons. Policy Research Working Paper wps 5664. https://documents.worldbank.org/en/publication/documents-reports/documentdetail/516511468161352996/mobile-banking-and-financial-inclusion-the-regulatory-lessons
Kraus, S., Palmer, C., Kailer, N., Kallinger, F. L., & Spitzer, J. (2018). Digital entrepreneurship:
a research agenda on new business models for the twenty-first century. International
Journal of Entrepreneurial Behavior & Research, 25(2), 353-375. https://doi.org/10.1108/IJEBR-06-2018-0425
Li, W., Liu, K., Belitski, M., Ghobadian, A., & O’Regan, N. (2016). E-Leadership through strategic
alignment: An empirical study of small-and medium-sized enterprises in the digital age. Journal of Information Technology, 31(2), 185-206. https://doi.org/10.1057/jit.2016.10
Lipton, A., Shrier, D., & Pentland, A. (2016). Digital banking manifesto: The end of banks?
Massachusetts Institute of Technology.
Liu, F., Zhao, X., Chau, P. Y., & Tang, Q. (2015). Roles of perceived value and individual differences in the acceptance of mobile coupon applications. Internet Research, 25(3), 471-495. https://doi.org/10.1108/IntR-02-2014-0053
Matzner, M., Büttgen, M., Demirkan, H., Spohrer, J., Alter, S., Fritzsche, A., C. L. Ng. I., Jonas, J.,
Martínez, V., Möslein, K. M., & Neely, A. (2018). Digital transformation in service management.
Journal of Service Management Research, 2(2), 3-21. https://doi.org/10.15358/2511-8676-2018-2-3
Mbama, C. I., Ezepue, P., Alboul, L., & Beer, M. (2018). Digital banking, customer experience and financial performance: uk bank managers’ perceptions. Journal of Research in Interactive
Marketing, 12(4), 432-451. https://doi.org/10.1108/JRIM-01-2018-0026
McCarthy, J. (1956). Inversion of functions defined by Turing Machines. In C. Shannon, & J. McCarthy (Eds.), Automata studies (pp. 177-181). Princeton University Press.
Mogaji, E., Soetan, T. O., & Kieu, T. A. (2021). The implications of artificial intelligence on the digital marketing of financial services to vulnerable customers. Australasian Marketing Journal, 29(3), 235-242. https://doi.org/10.1016/j.ausmj.2020.05.003
Moro, S., Cortez, P., & Rita, P. (2015). Business intelligence in banking: A literature analysis from 2002 to 2013 using text mining and latent Dirichlet allocation. Expert Systems with Applications, 42(3), 1314-1324. https://doi.org/10.1016/j.eswa.2014.09.024
Mowery, D. C., Oxley, J. E., & Silverman, B. S. (1998). Technological overlap and interfirm cooperation: implications for the resource-based view of the firm. Research policy, 27(5), 507-523. https://doi.org/10.1016/S0048-7333(98)00066-3
Nambisan, S., Lyytinen, K., Majchrzak, A., & Song, M. (2017). Digital innovation management:
Reinventing innovation management research in a digital world. Mis Quarterly, 41(1), 223-238. https://doi.org/10.1007/s10639-021-10638-5
Ni, G., Xu, H., Cui, Q., Qiao, Y., Zhang, Z., Li, H., & Hickey, P. J. (2021). Influence mechanism
of organizational flexibility on enterprise competitiveness: The mediating role of organizational innovation. Sustainability, 13(1), 1-23. https://doi.org/10.3390/su13010176
Niemand, T., Rigtering, C., Kallmünzer, A., Kraus, S., & Matijas, S. (2017). Entrepreneurial orientation and digitalization in the financial service industry: A contingency approach. In Proceedings of the 25th European Conference on Information Systems (ECIS) (pp. 1082-1092). Guimarães, Portugal. https://aisel.aisnet.org/ecis2017_rp/70
Niemand, T., Rigtering, J. C., Kallmünzer, A., Kraus, S., & Maalaoui, A. (2021). Digitalization in
the financial industry: A contingency approach of entrepreneurial orientation and strategic
vision on digitalization. European Management Journal, 39(3), 317-326. https://doi.org/10.1016/j.emj.2020.04.008
Nufus, K., Supratikta, H., Muchtar, A., & Sunarsi, D. (2020). Analysis of financial performance:
Case Study of PT. X Employee Cooperative. Utopía y Praxis Latinoamericana, 25(Esp. 10), 429-444. https://doi.org/10.5281/zenodo.4155737
Nunnally, J. C. (1978). Psychometric theory. McGraw-Hill.
Nüesch, R., Alt, R., & Puschmann, T. (2015). Hybrid customer interaction. Business & Information Systems Engineering, 57(1), 73-78. https://doi.org/10.1007/s12599-014-0366-9
Nylén, D., & Holmström, J. (2015). Digital innovation strategy: A framework for diagnosing
and improving digital product and service innovation. Business Horizons, 58(1), 57-67. https://doi.org/10.1016/j.bushor.2014.09.001
Ousama, A. A., Hammami, H., & Abdulkarim, M. (2019). The association between intellectual
capital and financial performance in the Islamic banking industry: An analysis of the GCC banks. International Journal of Islamic and Middle Eastern Finance and Management, 13(1), 75-93. https://doi.org/10.1108/IMEFM-05-2016-0073
Paladino, A. (2007). Investigating the drivers of innovation and new product success: a comparison of strategic orientations. Journal of Product Innovation Management, 24(6), 534-
https://doi.org/10.1111/j.1540-5885.2007.00270.x
Park, J. H., Chung, H., Kim, K. H., Kim, J. J., & Lee, C. (2021). The impact of technological capability on financial performance in the semiconductor industry. Sustainability, 13(2),
-20. https://doi.org/10.3390/su13020489
Payne, E. M., Peltier, J. W., & Barger, V. A. (2018). Mobile banking and ai-enabled mobile banking: The differential effects of technological and non-technological factors on digital natives’ perceptions and behavior. Journal of Research in Interactive Marketing, 12(3),
-346. https://doi.org/10.1108/JRIM-07-2018-0087
Prajogo, D. I., & Ahmed, P. K. (2006). Relationships between innovation stimulus, innovation capacity, and innovation performance. R&D Management, 36(5), 499-515. https://doi.org/10.1111/j.1467-9310.2006.00450.x
Raffoni, A., Visani, F., Bartolini, M., & Silvi, R. (2018). Business performance analytics: exploring
the potential for performance management systems. Production Planning & Control, 29(1), 51-67. https://doi.org/10.1080/09537287.2017.1381887
Rai, A., Pavlou, P. A., Im, G., & Du, S. (2012). Interfirm it capability profiles and communications
for cocreating relational value: Evidence from the logistics industry. MIS quarterly, 36(1), 233-262. https://dl.acm.org/doi/10.5555/2208955.2208970
Rashid, M., Ur, H., Nurunnabi, M., Rahman, M., Masud, M., & Kaium, A. (2020). Exploring the relationship between customer loyalty and financial performance of banks: Customer open innovation perspective. Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 1-22. https://doi.org/10.3390/joitmc6040108
Rebelo-Pinto, T., Pinto, J. C., Rebelo-Pinto, H., & Paiva, T. (2014). Validation of a three-dimensional model about sleep: Habits, personal factors and environmental factors. Sleep
Science, 7(4), 197-202. https://doi.org/10.1016/j.slsci.2014.12.002
Rhyne, L. C. (1986). The relationship of strategic planning to financial performance. Strategic Management Journal, 7(5), 423-436. https://doi.org/10.1002/smj.4250070504
Ringle, C. M., & Sarstedt, M. (2016). Gain more insight from your pls-sem results: The importance-performance map analysis. Industrial management & data systems, 116(9), 1865-1886. https://doi.org/10.1108/IMDS-10-2015-0449
Safeena, R., Date, H., Kammani, A., & Hundewale, N. (2012). Technology adoption and Indian
consumers: Study on mobile banking. International Journal of Computer Theory and Engineering, 4(6), 1020-1024. https://doi.org/10.7763/IJCTE.2012.V4.630
Sarlin, P., & Björk, K-M. (2017). Machine learning in finance—Guest editorial. Neurocomputing, 264, 1. https://doi.org/10.1016/j.neucom.2017.06.021
Schoemaker, P. J., Heaton, S., & Teece, D. (2018). Innovation, dynamic capabilities, and leadership. California Management Review, 61(1), 15-42. https://doi.org/10.1177/0008125618790246
Scott, S. V., Van Reenen, J., & Zachariadis, M. (2017). The long-term effect of digital innovation
on bank performance: An empirical study of swift adoption in financial services. Research Policy, 46(5), 984-1004. https://doi.org/10.1016/j.respol.2017.03.010
Setia, P., Setia, P., Venkatesh, V., & Joglekar, S. (2013). Leveraging digital technologies: How information quality leads to localized capabilities and customer service performance. mis Quarterly, 37(2), 565-590. https://www.jstor.org/stable/43825923
Shaikh, A. A., & Karjaluoto, H. (2015). Mobile banking adoption: A literature review. Telematics and Informatics, 32(1), 129-142. https://doi.org/10.1016/j.tele.2014.05.003
Shaikh, A. A. (2013). Mobile banking adoption issues in Pakistan and challenges ahead. Journal of the Institute of Bankers Pakistan, 80(3), 12-15.
Shi, Y. L., & Yan, L. (2019). “Technical capabilities” for high-quality development of intelligent manufacturing: Framework and validation. Economist, (9), 83-92. https://doi.org/10.16158/j.cnki.51-1312/f.2019.09.009
Shin, N., Kraemer, K. L., & Dedrick, J. (2017). R&D and firm performance in the semiconductor
industry. Industry and Innovation, 24(3), 280-297. https://doi.org/10.1080/13662716.2016.1224708
Svahn, F., & Henfridsson, O. (2012, January). The dual regimes of digital innovation management. In 2012 45th Hawaii International Conference on System Sciences (pp. 3347-3356). IEEE. https://doi.org/10.1109/HICSS.2012.560
Tallon, P. P. (2010). A service science perspective on strategic choice, it, and performance in us banking. Journal of Management Information Systems, 26(4), 219-252. https://doi.org/10.2753/MIS0742-1222260408
Ussahawanitchakit, P. (2012). Organizational learning, administrative innovation, technical innovation, and competitive advantage: Evidence from electronic businesses in Thailand. Journal of International Management Studies, 12(1), 85-96.
Valmohammadi, C. (2017). Customer relationship management: Innovation and performance. International Journal of Innovation Science, 9(4), 374-395. https://doi.org/10.1108/IJIS-02-2017-0011
Wang, Z., & Wang, N. (2012). Knowledge sharing, innovation and firm performance. Expert Systems with Applications, 39(10), 8899-8908. https://doi.org/10.1016/j.eswa.2012.02.017
Webster Jr, F. E. (1992). The changing role of marketing in the corporation. Journal of Marketing, 56(4), 1-17. https://doi.org/10.2307/1251983
Xie, X., Zou, H., & Qi, G. (2018). Knowledge absorptive capacity and innovation performance
in high-tech companies: A multi-mediating analysis. Journal of Business Research, 88, 289-297. https://doi.org/10.1016/j.jbusres.2018.01.019
Yoo, Y., Lyytinen, K. J., Boland, R. J., & Berente, N. (2010). The next wave of digital innovation:
Opportunities and challenges: A report on the research workshop “Digital Challenges in Innovation Research.” https://doi.org/10.2139/ssrn.1622170
Zhang, T., Lu, C., & Kizildag, M. (2018). Banking “on-the-go”: examining consumers’ adoption
of mobile banking services. International Journal of Quality and Service Sciences, 10(3), 279-295. https://doi.org/10.1108/IJQSS-07-2017-0067
Zhong, K., Wang, F., & Zhou, L. (2017). Deferred revenue changes as a leading indicator for
future financial performance: Evidence from China. Asian Review of Accounting, 25(4), 549-568. https://doi.org/10.1108/ARA-11-2015-0118
Zafer Adiguzel
