Abstract

Digital technology readiness is widely studied, yet most frameworks treat it as a generic construct, overlooking sector-specific requirements. This paper explores readiness in compliance-centric financial institutions, where regulatory obligations fundamentally shape digital adoption. Drawing on a systematic literature review, 26 readiness factors were identified and organized through established information systems (IS) models, including the technology-organization-environment (TOE) framework, technology acceptance model (TAM), and technology readiness index (TRI) to form a preliminary framework. The next stage of the research involves qualitative case studies in financial institutions, using interviews, documents, and observations to examine how these factors manifest in practice. By integrating deductive and inductive methods, the study aims to refine theory, strengthen methodological approaches, and provide practical guidance for managers and regulators. This work-in-progress contributes to the development of a contextualized readiness model that balances innovation and compliance imperatives in one of the most regulated sectors.

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