Modelo de maturidade do Banking 4.0: proposta e avaliação segundo a opinião de especialistas

Authors

DOI:

https://doi.org/10.20397/2177-6652/2026.v26i2.3259

Keywords:

Indústria 4.0. Banking 4.0. Modelos de Avaliação da Maturidade.

Abstract

Banking 4.0 maturity model: proposal and assessment according to expert opinion

 Objective: this paper aims to propose and enhance a Maturity Assessment Model (MM) for Banking 4.0 (B4.0).

Methods: this research employed an in-depth exploratory literature review due to the absence of maturity models addressing Bank 4.0. To construct the evaluation model, a four-step maturity model development procedure was implemented: (1) problem definition, (2) comparison with existing maturity models, (3) determination of the development strategy, and (4) interactive development. The resulting model was then evaluated by subject matter experts.

Originality: the proposed model and its evaluation constitute a significant contribution to the literature due to their novel focus on Bank 4.0.

Results: Drawing on a comprehensive literature review of Bank 4.0 (B4.0) and Industry 4.0 (I4.0) maturity models, this study proposes a model comprising five dimensions: Technology, Customer, People and Culture, Strategy and Leadership, and Governance. The model includes four maturity levels (Initial, Managed, Integrated, Digitally Oriented) and 42 specific maturity items. To implement the model, the bank's performance and the relative importance of each maturity item must be assessed to calculate overall maturity. Subject matter experts evaluated the model's structure according to maturity model theory.

Contributions: The maturity model provides a structured framework for bank managers to assess organizational status and guide progression in Bank 4.0 initiatives.

Keywords: Industry 4.0. Banking 4.0. Maturity Assessment Models.

Author Biographies

Sefora Soares, Universidade Federal da Paraíba

Séfora Nunes works at Banco do Brasil and holds both a bachelor's and a master's degree in Production Engineering from the Federal University of Paraíba, Brazil. Her research focuses on sustainability, banking 4.0, Industry 4.0 technologies, strategic management, and operations strategy.

Cláudia Fabiana Gohr, Universidade Federal da Paraíba

Mestrado e doutorado em Engenharia de Produção pela Universidade Federal de Santa Catarina. Professora da Universidade Federal da Paraíba, lotada no Departamento de Engenharia de Produção. É professora permanente dos programas de pós-graduação em Engenharia de Produção e em Administração da UFPB. Tem experiência na área de Estratégia Empresarial e Gestão da Produção, atuando principalmente nos seguintes temas: capacidades dinâmicas, relacionamentos interorganizacionais, inovação sustentável, lean, modelos de maturidade e economia circular. 

Luciano Costa Santos, Federal University of Paraiba

Luciano Costa Santos is a professor at the Department of Industrial Engineering, Federal University of Paraíba (Brazil). He has received his M.S. and Ph.D. in Industrial Engineering from Federal University of Santa Catarina (Brazil). Currently, he has more than 17 years of teaching/research experience and he had participated in some consultancy and training programs with industry. His current research interest includes lean manufacturing, circular economy, lean and green assessment, operations strategy, and service operations.

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Published

2026-06-23

How to Cite

Soares, S., Gohr, C. F., & Costa Santos, L. (2026). Modelo de maturidade do Banking 4.0: proposta e avaliação segundo a opinião de especialistas. Revista Gestão & Tecnologia, 26(2), 242–266. https://doi.org/10.20397/2177-6652/2026.v26i2.3259

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Vol. 26 No. 2 (2026)

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ARTIGOS

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