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Alexandra Idaere Korubo-Fi

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Open access Aug 2026

Strategic Adaptation in the Face of Fintech Disruption: Challenges and Best Practices in the Nigerian Banking Industry

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 · 0 citations
Open access Aug 2026

Digital Marketing as A Strategic Tool: Leveraging Data and Analytics for Competitive Advantage

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 · 0 citations

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