Digital mognad inom finanssektorn : En kvalitativ studie om digital mognad inom den svenska finanssektorn

This is a study about digital maturity within the financial sector. Specifically, this paper delves into what factors are perceived to have an effect on the digital maturity of the organizations within the sector. Furthermore, the study also examines whether the covid-19 pandemic is perceived to have changed any of these factors or any of the aspects of digital maturity. This will be evaluated through a thematic analysis of the data collected via a series of semi-structured interviews. The respondents who have been interviewed are all employed within the financial sector and have been employed throughout the pandemic. To analyze the collected data, two digital maturity models have been deployed to assess which factors have an effect on the digital maturity levels of the organizations in question. The results indicate that there are several factors influencing the digital maturity of the financial sector. Digital competence is perceived to have a positive effect in terms of how it affects the digital maturity levels, while dated systems and old ways of working appear to have a substantial negative effect on the digital maturity levels. The leadership and vision of the organizations appear to have a negative as well as a positive effect. The study also concludes that the perceived pressure from outside of the organization to digitize their operations might be a bigger factor than what previous research has indicated. While the covid-19 pandemic is perceived by the respondents to have had some effect on the digital ventures of the organization, none of the respondents perceived that the pandemic had been a major factor in regard to their digital transformation. Rather the digitalization of the organization’s ventures had been on-going before the pandemic, and the pandemic was therefore seen as an indicator that the organization needed to continue their work to digitize their processes.