Reconfiguring The Banking Value Chain Through Artificial Intelligence: A Multiple-case Study Of Algerian Banks
Auteurs : Benkhider Naima . Kherbachi Sonia . Amghar Meryem .
Résumé
Artificial intelligence (AI) is reshaping banking activities, competencies and value creation. This study examines how technological transformation reconfigures the banking value chain by changing professional practices, competencies, and organisational learning requirements. The study used an interpretivist, abductive multiple-case design across five Algerian banks (three public and two private), drawing on 15 semi-structured interviews with managers and professionals from front-, middle-, and back-office functions. A Gioia-inspired coding approach and cross-case comparison revealed uneven digital transformation, selective automation, evolving professional roles and growing demand for hybrid competencies and continuous training. While digitalisation is evident, the deployment of specific AI applications remains insufficiently verified. The study proposes an empirically informed framework of the emerging AI-enabled Banking Value Chain, highlighting the interdependence of technological capabilities, human expertise and learning requirements. The framework extends banking value-chain theory by integrating human-technology complementarity into an exploratory perspective on organisational transformation and value creation.
Mots clés
Artificial intelligence ; Banking value chain ; Organizational learning ; Hybrid competencies ; Banking transformation
