Developing an Analytical Model for Transitioning from the Digital Transformation Era to the Quantum Era in the Banking Industry: A Mixed-Methods Data Analysis Study

Document Type : Original Article

Authors
shadi oyarhossein 1
sharareh oyarhossein 2
1 Assistant Professor Department of Industrial Management, Information Technology and Technology, Islamic Azad University, Central Tehran Branch, Tehran, Iran
2 Information Technology Researcher and FinTech Department Manager, Investment Financial Engineering Center, Tehran, Iran
10.22034/jik.2025.24242
Abstract
Abstract
This study aims to design and validate a comprehensive analytical model for the transition from digital transformation to the quantum era in the banking industry. Addressing the existing research gap in the literature, the study provides a systematic framework for understanding, measuring, and managing paradigm shifts in banking. Employing a sequential exploratory mixed-methods approach, the research was conducted with a population of 30 banks and 60 banking industry experts. In the qualitative phase, thematic analysis was used to analyze semi-structured interviews, while in the quantitative phase, a researcher-developed questionnaire based on qualitative findings was distributed. Data were analyzed using confirmatory factor analysis, structural equation modeling, and dynamic simulation.

The final model comprises four main dimensions (technology, organizational, customer, and ecosystem) and twelve components with thirty-six measurement indicators. The Banking Quantum Readiness Index (QRI) was estimated at 45.6%, and banks were classified into four preparation phases: preparation (26.7%), initial transition (50%), advanced transition (20%), and quantum maturity (3.3%). Path analysis indicated that the technology dimension has the greatest impact on quantum transition, with a coefficient of 0.42.

The proposed model provides a systematic framework for assessing, monitoring, and planning the transition to the quantum era. It can serve as a basis for strategic decision-making in the banking industry and assist banks in developing a roadmap for quantum transition.
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