The Impact Of Digital Transformation And E-Banking On Liquidity Management And Enhancing The Sustainability Of Investment Portfolios

Abstract

This study aims to investigate the impact of digital transformation and e-banking on liquidity management and portfolio sustainability in commercial banks. The research employed a quantitative analytical approach, analyzing secondary data from 2020 to 2024, including bank financial reports, central bank publications, and digital banking data. Independent variables included digital transformation indicators such as the volume of electronic transactions, the number of active users, and investment in technological infrastructure. Dependent variables included liquidity indicators (such as the short-term liquidity ratio (LCR) and the loan-to-deposit ratio) and portfolio sustainability indicators such as risk-adjusted return (RAR) and the degree of asset diversification.

The results showed a significant positive impact of digital transformation on liquidity and portfolio sustainability. The average daily volume of electronic transactions increased by 42% during the study period, while the number of active users grew by 75%, reflecting widespread adoption of digital services. Liquidity indicators also improved, with the LCR rising from 115% in 2020 to 128% in 2024. Portfolio sustainability indicators showed a notable increase in risk-adjusted return (RAR) and an improvement in the degree of asset diversification. These results indicate that investment in digital transformation and technological infrastructure contributes to enhancing the stability of banks, improving their liquidity management, and ensuring the sustainability of investment portfolios, making digitalization a key strategic tool for achieving financial efficiency and sustainable growth in the banking sector.