What does this research mean for the field?

Digital transformation capabilities, including digital integration, process automation, change management, and training, are positively associated with perceived organizational performance in entrepreneurial fintech SMEs. Novelty: ClaimNovelty.INCREMENTAL. Consensus alignment: ConsensusAlignment.NEUTRAL.

What question did this study set out to answer?

To examine the relationship between digital transformation capabilities and perceived organizational performance in an entrepreneurial fintech SME, while exploring conceptual links to financial inclusion and social sustainability.

August 23, 2026SustainabilityOpen Access

Digital Transformation and Innovation in an Entrepreneurial Fintech SME: Implications for Social Sustainability from the PiggyVest Case

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Authors

TBTomasz Bernat JAJude Akposibruke

Discussion

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Overview

Case study demonstrates positive associations between digital transformation capabilities and organizational performance in a fintech SME, suggesting pathways to enhanced financial inclusion.

Key Points

To examine the relationship between digital transformation capabilities and perceived organizational performance in an entrepreneurial fintech SME, while exploring conceptual links to financial inclusion and social sustainability.
Embedded single-case study design focusing on PiggyVest, a digital savings and investment platform in Nigeria.
Combined quantitative survey evaluation of digital integration, process automation, change management, and capability training with qualitative and secondary-source institutional analysis.
Descriptive and correlational analyses indicated positive associations between all evaluated digital transformation dimensions and perceived organizational performance.
Case analysis suggested that digitally enabled models reduce barriers to savings and investment, though broader societal impacts on social sustainability remain interpretive rather than directly quantified.

Cite This Study

Bernat et al. (2026) studied this question.

synapsesocial.com/papers/6a8aae337677a34114446fc4 https://doi.org/10.3390/su18168592

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August 23, 2026SustainabilityOpen Access

Digital Transformation and Innovation in an Entrepreneurial Fintech SME: Implications for Social Sustainability from the PiggyVest Case

View Full Paper

Ask AI

Bookmark

Authors

TBTomasz Bernat JAJude Akposibruke

Discussion

Member takes

Overview

Case study demonstrates positive associations between digital transformation capabilities and organizational performance in a fintech SME, suggesting pathways to enhanced financial inclusion.

Key Points

To examine the relationship between digital transformation capabilities and perceived organizational performance in an entrepreneurial fintech SME, while exploring conceptual links to financial inclusion and social sustainability.
Embedded single-case study design focusing on PiggyVest, a digital savings and investment platform in Nigeria.
Combined quantitative survey evaluation of digital integration, process automation, change management, and capability training with qualitative and secondary-source institutional analysis.
Descriptive and correlational analyses indicated positive associations between all evaluated digital transformation dimensions and perceived organizational performance.
Case analysis suggested that digitally enabled models reduce barriers to savings and investment, though broader societal impacts on social sustainability remain interpretive rather than directly quantified.

Cite This Study

Bernat et al. (2026) studied this question.

synapsesocial.com/papers/6a8aae337677a34114446fc4 https://doi.org/10.3390/su18168592

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