References
- Abbasi, A., Sarker, S., & Chiang, R. H. (2016). Big data research in information systems: Toward an inclusive research agenda. Journal of the Association for Information Systems, 17(2), 3. https://doi.org/https://doi.org/10.17705/1jais.00423
- Analytics, M. (2016). The age of analytics: Competing in a data-driven world. Technical report, San Francisco: McKinsey & Company.
- Aral, S., Brynjolfsson, E., & Wu, D. (2006). Which came first, IT or productivity? The virtuous cycle of investment and use in enterprise systems. ICIS.
- Baltagi, B. (2008). Econometric analysis of panel data. John Wiley & Sons.
- Beccalli, E. (2007). Does IT investment improve bank performance? Evidence from Europe. Journal of Banking & Finance, 31(7), 2205–10. https://doi.org/https://doi.org/10.1016/j.jbankfin.2006.10.022
- Brynjolfsson, E. (1993). The productivity paradox of information technology. Communications of the ACM, 36(12), 66–77. https://doi.org/https://doi.org/10.1145/163298.163309
- Brynjolfsson, E., Hitt, L. M., & Kim, H. H. (2011). Strength in numbers: How does data-driven decisionmaking affect firm performance? . Technical report. Available at SSRN 1819486.
- Brynjolfsson, E., & McElheran, K. (2019). Data in action: Data-driven decision making and predictive analytics in US manufacturing. Rotman School of Management Working Paper, 3422397. https://doi.org/https://doi.org/10.2139/ssrn.3422397
- Carr, P. J. (2003). The new parochialism: The implications of the Beltway case for arguments concerning informal social control. American Journal of Sociology, 108(6), 1249–1291. https://doi.org/https://doi.org/10.1086/377517
- Cobb, C. W., & Douglas, P. H. (1928). A theory of production. The American Economic Review, 18(1), 139–165. https://www.jstor.org/stable/1811556
- Davenport, T. H., Harris, J. G., Jones, G. L., Lemon, K. N., Norton, D., & McCallister, M. B. (2007). The dark side of customer analytics. Harvard Business Review, 85(5), 37. https://hbr.org/2007/05/the-dark-side-of-customer-analytics
- Fredriksson, C. (2015). Knowledge management with big data creating new possibilities for organizations. The XXIVth Nordic Local Government Research Conference (NORKOM). Ireland.
- Gul, R., & Ahsan, A. (2019). Big data and analytics: Case study of good governance and government power. 10th European Conference on Intangibles and Intellectual Capital, ECIIC 2019 - Chieti-Pescara, Italy
- Hauswald, R., & Marquez, R. (2003). Information technology and financial services competition. The Review of Financial Studies, 16(3), 921–948.
- Heudecker, N., & Kart, L. (2014). Survey analysis: Big data investment grows but deployments remain scarce in 2014. Gartner.
- Hilbig, R., Etsiwah, B., & Hecht, S. (2018). Berlin start-ups–the rise of data-driven business models. ISPIM Innovation Symposium. Fukuoka, Japan.
- Hitt, L. M., Wu, D., & Zhou, X. (2002). Investment in enterprise resource planning: Business impact and productivity measures. Journal of Management Information Systems, 19(1), 71–98. https://doi.org/https://doi.org/10.1080/07421222.2002.11045716
- Ho, S. J., & Mallick, S. K. (2010). The impact of information technology on the banking industry. The Journal of the Operational Research Society, 61(2), 211–221. https://doi.org/https://doi.org/10.1057/jors.2008.128
- Koetter, M., & Noth, F. (2013). IT use, productivity, and market power in banking. Journal of Financial Stability, 9(4), 695–704. https://doi.org/https://doi.org/10.1016/j.jfs.2012.06.001
- Kohli, R., & Devaraj, S. (2004). Contribution of institutional DSS to organizational performance: Evidence from a longitudinal study. Decision Support Systems, 37(1), 103–118. https://doi.org/https://doi.org/10.1016/S0167-9236(02)00211-7
- Kriebel, J., & Debener, J. (2020). Measuring the effect of digitalization efforts on bank performance. Academy of Management Proceedings, 2020(1), 22004. https://doi.org/https://doi.org/10.5465/AMBPP.2020.22004abstract
- Laney, D. (2001). 3D data management: Controlling data volume, velocity and variety. META Group Research Note, 6(70), 1. https://www.scirp.org/(S(351jmbntvnsjt1aadkposzje))/reference/ReferencesPapers.aspx?ReferenceID=1611280
- Manyika, J., Chui, M., Brown, B., Bughin, J., Dobbs, R., Roxburgh, C., & Hung Byers, A. (2011). Big data: The next frontier for innovation, competition, and productivity. McKinsey Global Institute.
- Martín-Oliver, A., & Salas-Fumás, V. (2008). The output and profit contribution of information technology and advertising investments in banks. Journal of Financial Intermediation, 17(2), 229–255. https://doi.org/https://doi.org/10.1016/j.jfi.2007.10.001
- Mashal, A. (2006). Impact of information technology investment on productivity and profitability: The case of a leading Jordanian Bank. Journal of Information Technology Case and Application Research, 8(4), 25–46. https://doi.org/https://doi.org/10.1080/15228053.2006.10856099
- Mayer-Schönberger, V., & Cukier, K. (2013). Big data: A revolution that will transform how we live, work, and think. Houghton Mifflin Harcourt.
- Mehmood, B., Nisar, A., & Ur Rehman, H. (2015). Technology matters: Evidence from Pakistani banking sector using flexible transcendental logarithmic production function. Pakistan Economic and Social Review, 53(2), 203–224. https://www.jstor.org/stable/26153257
- Müller, O., Fay, M., & Vom Brocke, J. (2018). The effect of big data and analytics on firm performance: An econometric analysis considering industry characteristics. Journal of Management Information Systems, 35(2), 488–509. https://doi.org/https://doi.org/10.1080/07421222.2018.1451955
- OECD. (2014). Data-driven innovation for growth and well-being. Interim synthesis report.
- Ogunyomi, O. O., & Obi, E. (2016). Information and communication technology investment and firm productivity: Evidence from the Nigerian banking industry. Research Journal of Finance and Accounting, 7(8), 47–59. https://www.iiste.org/Journals/index.php/RJFA/article/view/29958
- Onay, C., & Ozsoz, E. (2013). The impact of internet-banking on brick and mortar branches: The case of Turkey. Journal of Financial Services Research, 44(2), 187–204. https://doi.org/https://doi.org/10.1007/s10693-011-0124-9
- Rose, D. (2016). Data science: Create teams that ask the right questions and deliver real value. Apress.
- SBP. (2015). Financial inclusion. State Bank of Pakistan. https://www.sbp.org.pk/Finc/finc.asp.
- SBP. (2020). Covid-19: An unprecedented global health crisis. State Bank of Pakistan. https://www.sbp.org.pk/FSR/2019/Overview.pdf
- Schilke, O. (2014). On the contingent value of dynamic capabilities for competitive advantage: The nonlinear moderating effect of environmental dynamism. Strategic Management Journal, 35(2), 179–203. https://doi.org/https://doi.org/10.1002/smj.2099
- Sodenkamp, M., Kozlovskiy, I., & Staake, T. (2015). Gaining is business value through big data analytics: A case study of the energy sector. Fort Worth: ICIS.
- Someh, A. I., & Shanks, G. (2015). How business analytics systems provide benefits and contribute to firm performance? .ECIS.
- Tambe, P. (2014). Big data investment, skills, and firm value. Management Science, 60(6), 1452–1469. https://doi.org/https://doi.org/10.1287/mnsc.2014.1899
- Toon, M., & Collins, J. (2015). Going beyond the data: Achieving actionable insights with data and analytics. KPMG. https://assets.kpmg/content/dam/kpmg/pdf/2015/04/going-beyond-data-and-analytics-v4.pdf
- Vom Brocke, J., Debortoli, S., Müller, O., & Reuter, N. (2014). How in-memory technology can create business value: Insights from the Hilti case. Communications of the Association for Information Systems, 34(1), 7. https://doi.org/https://doi.org/10.17705/1CAIS.03407
- Wamba, S. F., Akter, S., Edwards, A., Chopin, G., & Gnanzou, D. (2015). How ‘big data’can make big impact: Findings from a systematic review and a longitudinal case study. International Journal of Production Economics, 165(C), 234–246. https://doi.org/https://doi.org/10.1016/j.ijpe.2014.12.031