Modelo de maturidade do Banking 4.0: proposta e avaliação segundo a opinião de especialistas
DOI:
https://doi.org/10.20397/2177-6652/2026.v26i2.3259Palavras-chave:
Indústria 4.0. Banking 4.0. Modelos de Avaliação da Maturidade.Resumo
Objetivo: este artigo tem como principal objetivo propor e refinar Modelo de Avaliação da Maturidade (MM) para o Banking 4.0 (B4.0).
Método: a pesquisa foi realizada a partir de uma profunda revisão da literatura realizada de forma exploratória, dada a inexistência de modelos de maturidade voltados para o banco 4.0. Em seguida, para o desenvolvimento do modelo de avaliação, adotou-se um procedimento com foco em desenvolvimento de modelos de maturidade baseado em quatro etapas, quais sejam: (1) Definição do problema; (2) Comparação com outros MM’s; (3) Determinação da estratégia de desenvolvimento; e, (4) Desenvolvimento interativo. Posteriormente, modelo foi avaliado por meio da opinião de especialistas.
Originalidade: a proposição e avaliação do modelo representa um avanço na literatura dado seu escopo inovador com foco no B4.0.
Resultados: a partir de uma ampla revisão da literatura sobre B4.0 e modelos de maturidade para a Indústria 4.0 (I4.0), foi possível propor o modelo com cinco dimensões (Tecnologia; Cliente; Pessoas e Cultura; Estratégia e Liderança; e, Governança), quatro níveis (Inicial, Gerenciado, Integrado, Digital Orientado) e 42 itens de maturidade. Para a operacionalização do modelo, é necessário avaliar o desempenho do banco em relação aos itens de maturidade bem como em relação ao grau de importância destes para auxiliar no cálculo da Maturidade Global. A avaliação dos especialistas analisou a estrutura adequada a teoria de MM.
Conclusões: Em termos práticos o MM representa uma ferramenta importante para os gestores dos Bancos que desejam diagnosticar seu estado e evoluir no B4.0.
Palavras-chave: Indústria 4.0. Banking 4.0. Modelos de Avaliação da Maturidade
Referências
review. Business Process Management Journal, 27(5), 1633–1655. https://doi.org/10.1108/BPMJ-03-2021-0133
Alcácer, V., & Cruz-Machado, V. (2019). Scanning the Industry 4.0: A Literature Review on Technologies for Manufacturing Systems. Engineering Science and Technology, an International Journal, 22(3), 899–919. https://doi.org/10.1016/j.jestch.2019.01.006
Bandara, O. K. K., Tharaka, V. K., & Wickramarachchi, A. P. R. (2019). Industry 4.0 maturity assessment of the Banking Sector of Sri Lanka. Proceedings - IEEE International Research Conference on Smart Computing and Systems Engineering, SCSE 2019, 190–195. https://doi.org/10.23919/SCSE.2019.8842818
Bandara, O., Vidanagamachchi, K., & Wickramarachchi, R. (2019a). A model for assessing maturity of industry 4.0 in the banking sector. Proceedings of the International Conference on Industrial Engineering and Operations Management, 2019(MAR), 1141–1150.
Bandara, O., Vidanagamachchi, K., & Wickramarachchi, R. (2019b). A model for assessing maturity of industry 4.0 in the banking sector. Proceedings of the International Conference on Industrial Engineering and Operations Management, 2019(MAR), 1141–1150.
Becker, J., Knackstedt, R., & Pöppelbuß, J. (2009). Developing Maturity Models for IT Management. Business & Information Systems Engineering, 1(3), 213–222. https://doi.org/10.1007/s12599-009-0044-5
Bibby, L., & Dehe, B. (2018). Defining and assessing industry 4.0 maturity levels–case of the defence sector. Production Planning and Control, 29(12), 1030–1043. https://doi.org/10.1080/09537287.2018.1503355
Bilan, Y., Rubanov, P., Vasylieva, T., & Lyeonov, S. (2019). The influence of industry 4.0 on financial services: Determinants of alternative finance development. Polish Journal of Management Studies, 19(1), 70–93. https://doi.org/10.17512/pjms.2019.19.1.06
Caiado, R. G. G., Scavarda, L. F., Gavião, L. O., Ivson, P., Nascimento, D. L. de M., & Garza-Reyes, J. A. (2021). A fuzzy rule-based industry 4.0 maturity model for operations and supply chain management. International Journal of Production Economics, 231(November 2019). https://doi.org/10.1016/j.ijpe.2020.107883
Costa, S. M. N. da, Gohr, C. F., & Santos, L. C. (2025). Concepts and applications of Banking 4.0: systematic review and proposal for a research agenda. Brazilian Journal of Management & Innovation, Online Fir.
De Bruin, S., De Bruin, T., Rosemann, P. M., Freeze, R., Kulkarni, P. U., & Carey, W. P. (2005). Understanding the Main Phases of Developing a Maturity Assessment Model. 16th Australasian Conference on Information Systems.
De Carolis, A., Macchi, M., Negri, E., & Terzi, S. (2017). A maturity model for assessing the digital readiness of manufacturing companies. IFIP Advances in Information and Communication Technology, 513, 13–20. https://doi.org/10.1007/978-3-319-66923-6_2
Dikhanbayeva, D., Shaikholla, S., Suleiman, Z., & Turkyilmaz, A. (2020). Assessment of industry 4.0 maturity models by design principles. Sustainability (Switzerland), 12(23), 1–22. https://doi.org/10.3390/su12239927
Dutta, G., Kumar, R., Sindhwani, R., & Singh, R. K. (2020). Digital transformation priorities of India’s discrete manufacturing SMEs – a conceptual study in perspective of Industry 4.0. Competitiveness Review, 30(3), 289–314. https://doi.org/10.1108/CR-03-2019-0031
Frank, A. G., Mendes, G. H. S., Ayala, N. F., & Ghezzi, A. (2019). Servitization and Industry 4.0 convergence in the digital transformation of product firms: A business model innovation perspective. Technological Forecasting and Social Change, 141(July 2018), 341–351. https://doi.org/10.1016/j.techfore.2019.01.014
Ghobakhloo, M. (2018). The future of manufacturing industry: a strategic roadmap toward Industry 4.0. Journal of Manufacturing Technology Management, 29(6), 910–936. https://doi.org/10.1108/JMTM-02-2018-0057
Gu, J., Gouliamos, K., Lobonţ, O. R., & Nicoleta-Claudia, M. (2021). Is the fourth industrial revolution transforming the relationship between financial development and its determinants in emerging economies? Technological Forecasting and Social Change, 165. https://doi.org/10.1016/j.techfore.2020.120563
Gupta, R. (2021). Industry 4.0 Adaption in Indian Banking Sector—A Review and Agenda for Future Research. Vision, 1–9. https://doi.org/10.1177/0972262921996829
Hajoary, P. K. (2020). Industry 4.0 Maturity and Readiness Models: A Systematic Literature Review and Future Framework. International Journal of Innovation and Technology Management, 17(7). https://doi.org/10.1142/S0219877020300050
Kiel, D., Müller, J. M., Arnold, C., & Voigt, K. I. (2017). Sustainable industrial value creation: Benefits and challenges of industry 4.0. In International Journal of Innovation Management (Vol. 21, Issue 8). https://doi.org/10.1142/S1363919617400151
Lasrado, L. A., Vatrapu, R., & Andersen, K. N. (2015). Maturity Models Development in IS Research: A Literature Review. IRIS Selected Papers of the Information Systems Research Seminar in Scandinavia, 6, 6. https://doi.org/10.13140/RG.2.1.3046.3209
Lin, T. C., Sheng, M. L., & Jeng Wang, K. (2020). Dynamic capabilities for smart manufacturing transformation by manufacturing enterprises. Asian Journal of Technology Innovation, 28(3), 403–426. https://doi.org/10.1080/19761597.2020.1769486
Lin, T. C., Wang, K. J., & Sheng, M. L. (2020). To assess smart manufacturing readiness by maturity model: a case study on Taiwan enterprises. International Journal of Computer Integrated Manufacturing, 33(1), 102–115. https://doi.org/10.1080/0951192X.2019.1699255
Medeiros, E. D. de, Santos, L. C., & Gohr, C. F. (2024). Modelos de maturidade para a indústria 4.0: uma revisão sistemática da literatura. Journal of Management & Technology, 24(5), 154–181.
Mehdiabadi, A., Tabatabeinasab, M., Spulbar, C., Yazdi, A. K., & Birau, R. (2020). Are we ready for the challenge of banks 4.0? designing a roadmap for banking systems in industry 4.0. International Journal of Financial Studies, 8(2), 1–28. https://doi.org/10.3390/ijfs8020032
Oztemel, E., & Gursev, S. (2020). Literature review of Industry 4.0 and related technologies. Journal of Intelligent Manufacturing, 31(1), 127–182. https://doi.org/10.1007/s10845-018-1433-8
Peres, R. S., Jia, X., Lee, J., Sun, K., Colombo, A. W., & Barata, J. (2020). Industrial Artificial Intelligence in Industry 4.0 -Systematic Review, Challenges and Outlook. IEEE Access, 220121–220139. https://doi.org/10.1109/ACCESS.2020.3042874
Rafael, L. D., Jaione, G. E., Cristina, L., & Ibon, S. L. (2020). An Industry 4.0 maturity model for machine tool companies. Technological Forecasting and Social Change, 159(March), 120203. https://doi.org/10.1016/j.techfore.2020.120203
Rahman, A., & Abedin, M. J. (2021). The Fourth Industrial Revolution and private commercial banks: the good, bad and ugly. International Journal of Organizational Analysis. https://doi.org/10.1108/IJOA-05-2020-2218
Santos, R. C., & Martinho, J. L. (2020). An Industry 4.0 maturity model proposal. Journal of Manufacturing Technology Management, 31(5), 1023–1043. https://doi.org/10.1108/JMTM-09-2018-0284
Schumacher, A., Erol, S., & Sihn, W. (2016). A Maturity Model for Assessing Industry 4.0 Readiness and Maturity of Manufacturing Enterprises. Procedia CIRP, 52, 161–166. https://doi.org/10.1016/j.procir.2016.07.040
Schumacher, A., Nemeth, T., & Sihn, W. (2019). Roadmapping towards industrial digitalization based on an Industry 4.0 maturity model for manufacturing enterprises. Procedia CIRP, 79, 409–414. https://doi.org/10.1016/j.procir.2019.02.110
Shaikh, A. A., & Karjaluoto, H. (2015). Mobile banking adoption: A literature review. Telematics and Informatics, 32(1), 129–142. https://doi.org/10.1016/j.tele.2014.05.003
Sjödin, D. R., Parida, V., Leksell, M., & Petrovic, A. (2018). Smart Factory Implementation and Process Innovation: A Preliminary Maturity Model for Leveraging Digitalization in ManufacturingMoving to smart factories presents specific challenges that can be addressed through a structured approach focused on people, p. Research Technology Management, 61(5), 22–31. https://doi.org/10.1080/08956308.2018.1471277
Sony, M., Antony, J., & Mc Dermott, O. (2022). How do the technological capability and strategic flexibility of an organization impact its successful implementation of Industry 4.0? A qualitative viewpoint. Benchmarking. https://doi.org/10.1108/BIJ-09-2021-0541
Thach, N. N., Hanh, H. T., Huy, D. T. N., Gwoździewicz, S., Nga, L. T. V., Huong, L. T. T., & Nam, V. Q. (2021). Technology Quality Management of the Industry 4.0 and Cybersecurity Risk Management on Current Banking Activities in Emerging Markets - the Case in Vietnam. International Journal for Quality Research, 15(3), 845–856. https://doi.org/10.24874/IJQR15.03-10
Wagire, A. A., Joshi, R., Rathore, A. P. S., & Jain, R. (2021). Development of maturity model for assessing the implementation of Industry 4.0: learning from theory and practice. Production Planning and Control, 32(8), 603–622. https://doi.org/10.1080/09537287.2020.1744763
Yun, J. J., Liu, Z., & Zhao, X. (2021). Introduction: Ambidextrous Open Innovation in the 4th Industrial Revolution. Science, Technology and Society, 26(2), 183–200. https://doi.org/10.1177/09717218211006969
Zhong, R. Y., Xu, X., Klotz, E., & Newman, S. T. (2017). Intelligent Manufacturing in the Context of Industry 4.0: A Review. Engineering, 3(5), 616–630. https://doi.org/10.1016/J.ENG.2017.05.015
Downloads
Publicado
Como Citar
Edição
Seção
Licença
Copyright (c) 2026 Revista Gestão & Tecnologia
Este trabalho está licenciado sob uma licença Creative Commons Attribution-NonCommercial 4.0 International License.
Os direitos, inclusive os de tradução, são reservados. É permitido citar parte de artigos sem autorização prévia desde que seja identificada a fonte. A reprodução total de artigos é proibida. Em caso de dúvidas, consulte o Editor.
