LINKING TECHNOLOGY AND HUMAN FACTOR DRIVES SUCCESS IN THE BANKING SECTOR: FROM CAPABILITY TO PERFORMANCE

Abstract

This research discusses the relationship between technology and human variables that contribute to the overall success of banking performance. This study specifically aims to investigate the impact of human capital on bank performance by applying AMO theory to shed light on the relationship between human factor drivers, such as ability, motivation, opportunity, and technology, and the enhancement of bank performance. The research utilizes a cross-sectional approach through a Google Forms survey. Three hundred sixty-six individuals, all frontline personnel in the banking industry of Sindh, Pakistan, took part in the study. Multiple regression is performed using Amos version 26.0 for structural equation modeling. The research findings conclusively demonstrate that human resource management (HRM) activities are assessed by enhancing ability, motivation, and opportunity; these factors positively influence bank performance, with technology serving as a supportive mediator in this relationship.