The Role of Digital Technologies and Human Capital in Improving Bank Efficiency

This paper discusses the effect of digital technologies and human capital towards the improvement of bank efficiency while under the conditions of digital transformation. It examines the effects of digitalization on banks based operational processes and relates digital technologies to the quality of human capital and banks performance. After comparing traditional and digital banks, the study found that only an integrated development of technologies and human capital will guarantee a persistent effect on the efficiency of the banking sector.