Degree

Master of Business Administration Executive

Faculty / School

School of Business Studies (SBS)

Year of Award

2026

Advisor/Supervisor

Mr. Faisal Jalal, Visiting Faculty, Department of Management

Project Type

MBA Executive Research Project

Access Type

Restricted Access

Keywords

Digital Maturity, JS Bank, Transformation, Digital Capabilities Gap Index (DCGI), Digitalization

Executive Summary

Purpose and Problem

The primary aim of this project is to evaluate JS Bank's digital maturity relative to Pakistan's leading banks and recommend a roadmap for transformation.

Methodology

A mixed method approach is employed to integrate qualitative aims with quantitative outcomes.

Project Objectives

Following are the key objectives of the project.

  1. To select and apply a highly specialized, banking-centric Digital Maturity Model (DMM) to evaluate core operational workflows rather than superficial app features.
  2. To evaluate JS Bank’s current digital maturity stage using the selected framework.
  3. To benchmark JS Bank’s digital capabilities against Tier-1 banks such as HBL, Meezan Bank, Bank Alfalah, and MCB.

Key Findings

Using Digital Capabilities Gap Index (DCGI), JS Bank is rated just below 4 out of 5.0, placing it at Stage 3 (Established) which implies that bank has strong internal IT capabilities working as digital backbone placing bank in Digital maturity at Stage 3 also known as Established. The study shows that JS Bank is working on a high level of competitiveness in the rapid deployment of digital products. Nevertheless, there is a clear opportunity to enhance its digital ecosystem by building a fully integrated, end-to-end platform especially through the inclusion of lifestyle marketplace offerings within its app, as demonstrated by HBL and Bank Alfalah.

Recommendations

By focusing on building adaptive technology and responsive workflows, JS Bank has the potential to grow rapidly and can even transform into a serious global competitor. The simple strategy for this to become true is to make banking so easy on the part of JS Bank that banking becomes ‘invisible’ to user. It should supplement people's daily lives and routines through the ease of financing.

Pages

ix, 93

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