A systematic review of digital banking business model elements; Using content analysis

Digitalization and disruptive technologies have revolutionary transformation in traditional business models and processes. The banking industry has found its survival and competitiveness dependent on a comprehensive review of various aspects of its business. The lack of coherent knowledge of the requirements in digital banking environment is the main purpose for this paper. In this research, through a systematic review during the years 2000 to 2022 in the field of digital banking business model, after refining more than 633 articles, 26 articles were selected for review. Through comparative content analysis, a total of 144 unique examples were identified from 222 codes and finally categorized under 11 main subjects. The results indicate that the nine dimensions of the Osterwalder business model, in addition to the two categories of "new mindset" and " services innovation" have been considered as the most important and common elements of the banking business model in the digital age.