The article aimed to identify the impact of digital transformation as a modified variable on the relationship between commercial bank customers’ empowerment and the competitive advantage of commercial banks. The analytical descriptive approach was adopted using a questionnaire distributed to a random sample of (284) employees in Iraqi commercial banks. Multiple regression equations and hierarchical regression equations were used. The results showed a statistically significant effect at the significance level (α≤0.05) of digital transformation as a modified variable on the relationship between the capabilities of commercial banks' customers and the competitive advantage of commercial banks. The impact of digital transformation as a modified variable on the relationship between customer empowerment and the competitive advantage of commercial banks.
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Abtan et al. (2024) studied this question.
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