Authors : Kamyalile Simuchimba; Mubanga Mpundu

Volume/Issue : Volume 10 - 2025, Issue 1 - January

Google Scholar : https://tinyurl.com/evxzuz47

Scribd : https://tinyurl.com/4y2t68x6

DOI : https://doi.org/10.5281/zenodo.14891743

Abstract : This paper examines established theoretical and conceptual frameworks relevant to the impact of digital transformation on employee performance within commercial banks. The introduction of digital technologies fundamentally reshapes business models and operational processes. The study leveraged several established theoretical frameworks to understand technology adoption, focusing specifically on the Technology Acceptance Model (TAM), Self- Determination Theory (SDT), and the Theory of Planned Behavior (TPB). It used a mixed-methods approach, combining qualitative and quantitative data collection and analysis. Participants included employees from various levels, including management and executive roles, at two commercial banks in Lusaka, Zambia. The study findings indicated that Digital Transformation Technologies (DTTs) are perceived to have a positive impact on job performance, specifically regarding the completion of various job tasks and activities. The Technology Acceptance Model (TAM), Self-Determination Theory (SDT), and the Theory of Planned Behavior (TPB) offer valuable theoretical frameworks for understanding the dynamics of technology adoption in the context of digital transformation. By focusing on perceived usefulness and ease of use (TAM), addressing psychological needs (SDT), and considering social influences and individual beliefs (TPB), organizations can develop targeted strategies to promote the successful adoption and integration of Digital Transformation Technologies. Future research could explore the interplay between these frameworks, providing a more holistic understanding of the factors.

Keywords : Digital Transformation Technologies, Financial Institutions, Banking Services, Technology Acceptance Model (TAM), Self-Determination Theory (SDT), Theory of Planned Behavior (TPB).

References :

1. Abet, Z. Anuar, M.A.M, Arshad, M.M. and Ismail, I.A. (2024). Factors affecting human intention of Nigerian employees: The moderation effect of organizational commitment. Heliyon, 10. Retrieved from www.cell.com/heliyon
2. Ajzen, I. (1991). The theory of planned behavior. Organizational behavior and human decision processes, 50(2), 179-211.
3. Bhattacherjee, A. (2012). Understanding information systems research. Journal of management information systems, 29(1), 127-166.
4. Brookes, E. (2023). The theory of planned behavior: Behavioral intention. Retrieved from www.simplypsychology.org/theory-of-planned-behaviour.html
5. Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 13(3), 319-340.
6. Deci, E. L., & Ryan, R. M. (2000). The" what" and" why" of goal pursuits: Human needs and the self-determination of behavior. Psychological inquiry, 11(4), 227-268.
7. Gagne, M., Parker, S. K., Griffin, M. A., Dunlop, W. W., Knight, B. A., Klonek, J., & Parent-Rocheleau, D. (2022). Designing work with technology: A self-determination theory perspective. Applied ergonomics, 102, 103665.
8. Hagger, M.S., Cameron, D., L. Hamilton, K., Hankonen, N. and Lintumen, T. (2020). The handbook of behavior change.
9. Hoyng, M. and Lau, A. (2023). Being ready for digital transformation: How to enhance employees intentional digital readiness. Computers in Human Behavior reports, 11, 100.
10. Lopez-Garrido, G. (2023). Self - determination theory: how it explains motivation. Retrieved from www.simplypsychology.org/self-determination-theory.html
11. Marikyan, D. and Papagiannidis, S. (2023). Technology Acceptance Model: A review. Retrieved from https://open.ncl.ac.uk/
12. Mwiya, B., Chikumbi, F., Shikaputo, C., Kabala, E., Kaulungombe, B., and Siachinji, B. (2017). Examining factors influencing e-banking adoption: Evidence from bank customers in Zambia. American Journal of Industrial and business management, 7 (6), 741- 759.
13. Payne, J. W. (1982). Contingencies: A cognitive basis for decision analysis. Decision Analysis, 2(2), 193-202.
14. Peters, D. and Calvo, R. (2024). Self determination theory and technological design. Retrieved from http://www.researchgate.net/publication
15. Porfirio, J.A. Felicio, J.A and Carrilho, T. (2024).  Factors affecting Digital Transformation in banking. Journal of business review, 171.