The rapid rise of financial technology (fintech) has redefined the operational and competitive
dynamics of Nigeria’s banking industry. This conceptual paper examines how traditional banks
strategically adapt to fintech-driven disruptions by integrating agility, innovation, and dynamic
capabilities. Drawing from the dynamic capabilities and strategic agility frameworks, the study
explores how Nigerian banks can sense technological opportunities, seize emerging markets, and
reconfigure resources for sustained competitiveness. The paper identifies key adaptation
challenges, including regulatory uncertainty, cybersecurity risks, and infrastructural deficits,
while highlighting best practices such as leadership agility, digital partnerships, and hybrid
innovation strategies. It contributes to the strategic management discourse by offering a contextspecific model of adaptation for developing economies. The findings underscore the importance
of aligning technological transformation with strategic foresight to ensure long-term
organizational resilience in a rapidly evolving financial ecosystem.
Alexandra Idaere Korubo-Fi· INTERNATIONAL JOURNAL OF SOC...· 0 citations
Digital marketing has evolved from a functional promotional activity to a strategic capability
that shapes competitive advantage in data-intensive markets. This conceptual paper examines
how digital marketing analytics functions as a core strategic tool, enabling firms to enhance
strategic decision-making, develop dynamic capabilities, and foster customer engagement.
Drawing on the resource-based view and dynamic capabilities theory, the study proposes an
integrative conceptual framework linking digital marketing analytics capability, strategic
decision-making quality, dynamic capabilities, customer engagement, and competitive
advantage. Customer engagement is identified as a key mediating mechanism through which
analytics-driven strategies translate into sustained value creation. The paper also discusses
managerial and policy implications, highlighting the importance of analytics capability
development, data-driven culture, ethical governance, and regulatory support. By providing a
theoretically grounded framework, the study offers a foundation for future empirical research on
data-driven marketing strategies and competitive performance in both developed and emerging
markets.
Alexandra Idaere Korubo-Fi· IIARD International Journal...· 0 citations
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