A Framework for Planning and Executing Organizational Transformation

Based on Insights from Ethiopian Commercial Banks using Grounded theory Method




Ethiopia, organizational changes, transformation in Banks, Organizational transformation Practices, Banking, Business Management, DBA


Operating in competitive and dynamic global environment organizations are required to transform themselves to sustain competitions, keep up with the constant changing demands of customers and the ever-changing information technology. Such changes are evident particularly in service providing organization such as banks that are often considered as the backbone supporting the sustainable development of developing economies. Ethiopian banking industry that has been protected from foregoing completion appears to be facing a potential competition form more advanced foreign banks in the near future. This and other internal and external factors have propelled a number of banks to go through a transformation process that appears to be diverse in its approach and outcome. This study aims to explore, the different components of organizational transformation and how they are going to be planned and implemented. Doing so, the study has been benefited from the researcher’s practical experience and able to fill in the gap between the theoretical views and the practice on the ground. The study finally draw a framework that can be used as a guide by Organizations to plan and execute transformation process.


Abdallah, A., Obeidat, B., Aqqad, N., Janini, Marwa Na’el Khalil Al., & Dahiyat, Samer Eid. (2017). An Integrated Model of Job Involvement, Job Satisfaction and Organizational Commitment: A Structural Analysis in Jordan’s Banking Sector. http://doi.org/10.4236/CN.2017.91002

Abdillah, M R., & Amin, M. (2022). Analysis of the Influence of Stakeholder Domination, Engagement, and Organizational Behavior on Project Performance, https://doi.org/10.52403/ijrr.20220212

Adil Zia (2015) Transformational Leadership a Study of Banking Sector in Saudi Arabia. https://globaljournals.org/GJMBR_Volume15/3-Transformational- Leadership.pdf

Анна, Шевлякова. Anna, Shevlyakova. (2019). Peculiar Features of the Development Strategy in the Banking Sector. doi: 10.21603/2500-3372-2019-4-2-271-276

Alam, M., Gul, F., & Imran, M. (2021). The Impact of Ethical Leadership & Civility on Organizational Commitment: The Mediating Role of Work Engagement, https://doi.org/10.46662/jass-vol8-iss1-2021(173-188)

Alhashmi, S. F. S., Salloum, S., & Abdallah, S. (2019), Critical Success Factors for Implementing Artificial Intelligence (AI) Projects in Dubai Government United Arab Emirates (UAE) Health Sector: Applying the Extended Technology Acceptance Model (TAM), http://doi.org/10.1007/978-3-030- 31129-2_36

Anand, N., & Daft, R. L. (2007). What is the right organization design?. Leading organizations: Perspectives for a new era, 307-322.

Andrikopoulos, A., & Triantafillou, A. (2021). Social impact bonds. The Essentials of Social Finance. An Analytical Study on Change Management and Organization Development. https://www.worldwidejournals.com/paripex/recent_issues_pdf/2014/March/ March_2014_1395146934_cd1d1_74%20S4.pdf

Appelbaum, S. H. (1975, August). A MODEL OF ORGANIZATIONAL DIAGNOSIS AND DEVELOPMENT. In Academy of Management Proceedings (Vol. 1975, No. 1, pp. 107-109). Briarcliff Manor, NY 10510: Academy of Management.

Bachmeier, T. (2016). Business Model Generation: A Handbook for Visionaries, Game Changers, and Challengers.

Baker, M. J., & Foy, A. (2003). Business and management research. How to complete your research project successfully. West-burn publishers Ltd, Scotland. 403pp.

Beckhard, R., & Pritchard, W. (1992). Changing the essence: The art of creating and leading fundamental change in organizations (Vol. 10). San Francisco: Jossey- Bass.

BCG (2020), Learn from the best in Organizational Transformation, Boston Consulting Group.



Beer, M., Eisenstat, R. A., & Spector, B. (1990). Why change programs don't

produce change. Harvard Business Review, 68(6), 158-166.

Beer, M., & Spector, B. (1993). Organizational diagnosis: Its role in organizational

learning. Journal of Counseling & Development, 71(6), 642-650.

Bernard Burnes & David Bargal (2017): Kurt Lewin: 70 Years on, Journal of Change


DOI: 10.1080/14697017.2017.1299371

Bhat, S.., & Darzi, M. A... (2016). Customer relationship management: An approach to competitive advantage in the banking sector by exploring the mediational role of loyalty. International Journal of Bank Marketing, 34, 388-410. http://doi.org/10.1108/IJBM-11-2014-0160

Bithas, G., Kutsikos, K., Sakas, D P., & Konstantopoulos, N. (2015). Business Transformation through Service Science: The Road Ahead. https://doi.org/10.1016/j.sbspro.2015.01.1221

Bithas, G., Kutsikos, K., Sakas, D P., & Konstantopoulos, N. (2015, February 1). Braun, V., & Clarke, V. (2013). Successful qualitative research: A practical guide for

beginners. Sage.

Brown, A. (2018). The role of culture in defining an organization. Journal of

Organizational Studies, 42(3), 345-362.

Burton, R. M., Eriksen, B., Håkonsson, D. D., Knudsen, T., & Snow, C. C. (Eds.).

(2008). Designing organizations: 21ST century approaches (Vol. 7). Springer

Science & Business Media.

Cassell, C., Cunliffe, A. L., & Grandy, G. (Eds.). (2017). The SAGE handbook of

qualitative business and management research methods. Sage.

CEPHEUS (2019), Ethiopia Macroeconomic Handbook 2019, CEPHEUS Research

Analytics, https://cepheuscapital.com/wpcontent/uploads/2019/01/Macroeconomic- Handbook-2019.pdf

Clayton P. Alderfer, (2011), the practice of organizational diagnosis: theory and methods, Oxford University Press, Inc.,

Chen, T., Xu, J., & Agrawal, P. (2021). A System for General In-Hand Object Re- Orientation. Conference on Robot Learning, 297-307.

Chukwuma, N. S., &Madukwe, E. P. (2020).Corporate Visioning and Organizational Transformation in Selected Deposit Money Banks in Enugu State, Nigeria. International Journal of Innovative Research and Development, 9(7).

Cheba, K., Kiba-Janiak, M., Baraniecka, A., & Kołakowski, T. (2021). Impact of External Factors on commerce Market in Cities and Its Implications on Environment.

Cichosz, M., Wallenburg, C. M., & Knemeyer, A. M. (2020). Digital transformation at logistics service providers: barriers, success factors and leading practices. The International Journal of Logistics Management, 31, 209-238. http://doi.org/10.1108/ijlm-08-2019-0229

Creswell, J. W., & Creswell, J. D. (2017). Research design: Qualitative, quantitative, and mixed methods approaches. Sage publications.

Coleman, C. A. (2018). Organizational Diagnosis in the Logistics Sector in Ghana: An Application of the Burke-Litwin Model. J Entrepren Organiz Manag, 7(245), 2.

Consultancy. (2022). How to design a target operating model in banking -



Daft, R. L. (2015). Organization theory and design. Cengage learning. Deloitte US. (2023) Operating Model Transformation |



Diwanti, D P., Suryanto, S., Iswati, S., Agustina, T S., & Notobroto, H B. (2021).

The Effect of Organizational Culture and Readiness to Change on Organizational Entrepreneurship: The Role of Competence. https://doi.org/10.18196/mb.v12i2.10330

Ellis, S., Margalit, D., & Segev, E. (2012). Effects of Organizational Learning Mechanisms on Organizational Performance and Shared Mental Models during Planned Change.


Eisenhardt, K. M. (1989). Building theories from case study research. Academy of

management review, 14(4), 532-550.

Eric Wiebes, Marc Baaij, Bas Keibek and Pieter Witteveen (2007), The Craft of

Strategy Formation Translating business issues into actionable strategies, John

Wiley & Sons Ltd

Errida, Abdelouahab. & Lotfi, Bouchra. (2021). The determinants of organizational

change management success: Literature review and case study. International Journal of Engineering Business Management, 13. http://doi.org/10.1177/18479790211016273

EY - US. (2023), Transformation strategies for banking leaders https://www.ey.com/en_us/transformation-strategies-banking-leaders

Felin, T., & Powell, T. C. (2016). Designing organizations for dynamic capabilities. California Management Review, 58(4), 78-96.

Filomena Canterino et.al (2017), Leading Organizational Transformation: Action research study, Journal of Managerial Psychology Vol. 33 No. 1, 2018 pp. 15- 28

Fox-Wolfgramm, S J., K B., & Hunt. (1998). Organizational Adaptation to Institutional Change: A Comparative Study of First-Order Change in Prospector and Defender Banks. https://doi.org/10.2307/2393592

Francis Ofunya (2015), Drivers for Organizational Transformation A Case of Commercial Banks in Kenya, International Journal of African and Asian Studies, An International Peer-reviewed Journal Vol.8, 2015

Frishammar, J., & Parida, V. (2018). Circular Business Model Transformation: A Roadmap for Incumbent Firms. https://doi.org/10.1177/0008125618811926 Gagné, M., & Deci, E. L. (2005). Self-determination theory and work motivation.

Journal of Organizational Behavior, 26(4), 331-362.

Galbraith, J. R. (2014). Designing organizations: Strategy, structure, and process at the

business unit and enterprise levels. John Wiley & Sons.

Galazova, S., & Магомаева, Л Р. (2019). The Transformation of Traditional Banking

Activity in Digital. https://doi.org/10.35808/ijeba/369

Gandhi, I., & Hyde, A M. (2015). A Study of Organizational Commitment in

Nationalized and Private Banks. https://doi.org/10.1177/0258042x15601534 George B, Konstadinos K, Damianos P., Nikolaos K (2015). Business Transformation through Service Science: The Road Ahead.


Gil M, (2020), Organizational Transformation during COVID-19, Research Gate,



Giorgio Gandellini, Alberto Pezzi, Daniela Venanzi (2013), Strategy for Action–II Strategy Formulation, Development, and Control, Springer

Hadad, S. (2013, January 1). Challenges for Banking Services in the Knowledge Economy. https://doi.org/10.25019/mdke/7.3.04

Hajiali, I., Kessi, A. M. F., Budiandriani, B., Prihatin, E., Sufri, M. M., & Sudirman, A. (2022). Determination of Work Motivation, Leadership Style, Employee Competence on Job Satisfaction and Employee Performance. Golden Ratio of Human Resource Management.

Handke, L., Klonek, F E., Parker, S K., & Kauffeld, S. (2019). Interactive Effects of Team Virtuality and Work Design on Team Functioning. https://doi.org/10.1177/1046496419863490

Harrison, M., & Shirom, A. (1998). Organizational diagnosis and assessment: Bridging theory and practice. Sage Publications.

Hesselbein, F., & Goldsmith, M. (Eds.). (2009). The organization of the future 2: visions, strategies, and insights on managing in a new era. John Wiley & Sons

Huang, M., Zhang, B., Sun, Q., Xiao, L., & Sun, J. (2022). Achieving Ultrahigh Strength with Stable Plasticity by Stress-Induced Nanoscale Martensitic Transformation in Ti2448 Sub-Micron Pillars. SSRN Electronic Journal.

Hübel, C. (2022). Entrepreneurship-driven organizational transformation for sustainability: a sensemaking lens. Journal of Organizational Change Management.

https://dspace.mit.edu/bitstream/handle/1721.1/84490/KEE046Web_101202_A bdimomunova_Final_2.pdf

Ipinazar, A., Zarrabeitia, E., Rio Belver, R. M., & Martinez de Alegría, I. (2021).

Organizational culture transformation model: Towards a high performance

organization. Journal of Industrial Engineering and Management. Imran, M., Ilyas, M.., Aslam, U.., & Ubaid-ur-Rahman, (2016). Organizational

learning through transformational leadership. The Learning Organization, 23, 232-248.


Jane Mills & Melanie Birks (2014), Qualitative Methodology A Practical Guide,

SAGE Publications Inc.

Jeffrey Muldoon (2020), Kurt Lewin: Organizational Change, The Palgrave Handbook

of Management History, PP 617-631 https://doi.org/10.1007/978-3-319-62114-


John W. Creswell & J. David Creswell (2018), Research Design Qualitative,

Quantitative, and Mixed Methods Approaches Fifth Edition, SAGE Publications,


Johnson, R. (2012). Organizational structure and communication channels. Journal of

Management, 28(2), 123-145.

Johnny Saldaña (2016), The Coding Manual for Qualitative researchers, 3rd edition,

SAGE Publications, Inc.

Jones, M. (2015). The collective nature of organizations. Journal of Organizational

Behavior, 36(4), 567-589.

Jones, A. (2015). The organization of service business.


Journal of Enterprise Transformation, 8, 121 - 142.

Juliet Corbin (2015), Basics of Qualitative Research Techniques and Procedures for Developing Grounded: Theory Fourth Edition. SAGE Publications, Inc.

Kaplan, R. S., & Norton, D. P. (1992). The balanced scorecard: Measures that drive performance. Harvard Business Review, 70(1), 71-79.

Kathy Charmaz (2014), Constructing Grounded Theory, 2nd Edition, SAGE Publications Ltd

Khan, Muhammad Asif., Siddique, Asima., & Sarwar, Z. (2020). Determinants of non-performing loans in the banking sector in developing state. , 5, 135-145. http://doi.org/10.1108/ajar-10-2019-0080

Kohntopp, T., & McCann, J. (2021). Leadership in Virtual Organizations: Influence on Workplace Engagement. https://doi.org/10.1007/978-3-030-30025-8_12

Kong, Yusheng. & Ibrahim, Masud. (2020). Innovation Capabilities, Innovation Types, and Firm Performance: Evidence from the Banking Sector of Ghana. SAGE Open, 10. http://doi.org/10.1177/2158244020920892

Kpinpuo, S D., Akolgo, I G., & Naimi, L. (2022, August 10). Leading change and innovation in Ghana’s banking sector: the mediating role of work autonomy. https://doi.org/10.1108/ict-12-2021-0086

KPMG (2016), Transforming in the Banking Sector, KPMG, Hong Kong, https://assets.kpmg/content/dam/kpmg/cn/pdf/en/2016/09/transformation-in- the-banking-sector.pdf.

KPMG (2021) Organizational Culture in the Financial Services Sector - . https://assets.kpmg.com/content/dam/kpmg/ie/pdf/2021/04/ie-org-culture-in- the-financial-services-sector-2.pdf

KPMG Global. (2023) Rethinking new business models for banking - https://kpmg.com/xx/en/home/insights/2022/04/rethinking-new-business- models-for-banking.html

KPMG. (2012). Optimizing banking operating models - https://assets.kpmg.com/content/dam/kpmg/pdf/2014/07/Optimizing-Banking- Operation-Models.pdf

Koranteng, F O., Iddris, F., Dwomoh, G., & Dogbe, C S K. (2022). Assessing the moderating role of organizational culture in the relationship between organizational leadership and organizational efficiency in the banking sector. https://doi.org/10.1108/ebhrm-07-2021-0143

Kotter, J. P. (1995). Leading change: Why transformation efforts fail. Harvard Business Review, 73(2), 59-67.

Lashari, R H., & Alvi, A K. (2019). The influence of Organizational Climate and Organizational Socialization on Knowledge Management: An empirical study in banking sector of Pakistan. https://doi.org/10.17722/ijme.v12i2.524

Lei, D., Slocum, J. W., & Pitts, R. A. (1999). Designing organizations for competitive advantage: the power of unlearning and learning. Organizational dynamics, 27(3), 24-38.

Leyla Abdimomunova, (2010), Organizational Assessment Processes for Enterprise Transformation.



Lisa M. Puchalski Ritchie and Sharon E. Straus (2019). Assessing Organizational Readiness for Change - PMC. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6358647/

Litvinenko, V. (2019). Digital Economy as a Factor in the Technological Development of the Mineral Sector. Natural Resources Research, 29, 1521- 1541. http://doi.org/10.1007/s11053-019-09568-4

Liu, Y., Xu, N., Yuan, Q., Liu, Z., & Tina, Z. (2022). The Relationship between Feedback Quality, Perceived Organizational Support, and Sense of Belongingness among Conscientious Teleworkers. https://doi.org/10.3389/fpsyg.2022.806443

Lizzio, A J., Wilson, K L., Gilchrist, J., & Gallois, C. (2003). The Role of Gender in the Construction and Evaluation of Feedback Effectiveness. https://doi.org/10.1177/0893318902238895

L. Nathan, Ricardo V, Deborah N and Stan R (2010), Organizational Assessment Models for Enterprise Transformation. https://master- systems.com/filecabinet/OrganizationalAssessmentModelsForEnterpriseTransfor mation.pdf

Locke, E. A., & Latham, G. P. (2002). Building a practically useful theory of goal setting and task motivation: A 35-year odyssey. American Psychologist, 57(9), 705-717.

London, M., & Smither, J. W. (2002). Feedback orientation, feedback culture, and the longitudinal performance management process. Human Resource Management Review, 12(1), 81-100.

Lowman, R. L. (2005). Importance of diagnosis in organizational assessment: Harry Levinson's contributions. The Psychologist-Manager Journal, 8(1), 17-28. Luncheon, A., & Kasztelnik, K. (2021). A Qualitative Exploratory Observational

Study: An Entrepreneurship Managers’ Emotional Intelligence and Impact on the Financial Organization’s Success in the United States. https://doi.org/10.21272/fmir.5(2).14-33.2021

MacLeod, L. (2021). More Than Personal Communication. KULA: Knowledge Creation, Dissemination, and Preservation Studies.

Magalhaes, R. (2018). Design discourse for organization design: Foundations in human-centered design. Design Issues, 34(3), 6-16.

Matthew B. Miles, A. Michael Huberman, Johnny Saldaña (2014), Qualitative data analysis: a methods sourcebook. Third Edition. SAGE Publications, Inc.

Mazars (2017) The banks’ business model – between function and transformation.


McFillen, J. M., O'Neil, D. A., Balzer, W. K., & Varney, G. H. (2013). Organizational diagnosis: An evidence-based approach. Journal of Change Management, 13(2), 223-246.

McKinsey (2019). A bank transforms itself by transforming its culture | https://www.mckinsey.com/capabilities/mckinsey-digital/our-insights/a-bank- transforms-itself-by-transforming-its-culture

Mendes, F.., & Stander, Marius W. (2011). Positive organization: the role of leader behavior in work engagement and retention: original research. Sa Journal of Industrial Psychology, 37, 1-13. http://doi.org/10.4102/SAJIP.V37I1.900

Miles, M. B., & Huberman, A. M. (1994). Qualitative data analysis: An expanded sourcebook. Sage.

Miles, R. E., Snow, C. C., Fjeldstad, Ø. D., Miles, G., & Lettl, C. (2010). Designing organizations to meet 21st-century opportunities and challenges. Organizational Dynamics, 2(39), 93-103.

Mintzberg, H. (1991). Learning 1, Planning 0: Reply to Igor Ansoff. Strategic Management Journal, 12(191), pp.463-466.

Mintzberg, H. (1993). Structure in fives: Designing effective organizations. Prentice- Hall, Inc.

Mintzberg H, Bruce A., Joseph L. (1998). Strategy Safari, A Guided Tour through the Wilds of Strategic Management, The Free Press, New York

Mintzberg, H. (2000). The Rise and fall of Strategic Planning. Pearson Education Limited.

Mintzberg H. (2007), Tracking strategies: toward a general theory of strategy formation, Oxford University Press

Mintzberg H. (2023), Understanding Organizations...Finally! , Berrett-Koehler Publishers, Inc.

Mintzberg, H. and Quinn, J.B. (1996).The Strategy Process. New Jersey: Prentice Hall, Inc.

Mohrman, A. M., et. al.(1989) Large-Scale Organizational Change. CA: Jossey-Bass Inc.,

Mwai, E N., Senaji, T A., & Muema, W. (2021). Organizational Characteristics and Communication Effectiveness of Solar Companies in Kenya. https://doi.org/10.47772/ijriss.2021.5524

Myers, M. D. (2019). Qualitative research in business and management. Sage. Nielsen, C., & Lund, M. (2014). A brief history of the business model concept. In

The basics of business models (pp. 21-27). Ventus.

Nyakagwa, N O., & Charles, M. (2021). Strategy Implementation: Effect of

Organizational Design on the Performance of Commercial Banks in Kenya. https://doi.org/10.24940/theijhss/2021/v9/i9/hs2109-030 NY: William

Olutayo Otubanjo (2016), Facets of Organizational Transformation : An update , International Journal of Sales & Marketing Management (IJSMM) Vol. 5, Issue 1, Dec - Jan 2016; 13-18

Patton, M. Q. (1999). Organizational development and evaluation. Canadian Journal of Program Evaluation, 14, 93-114.

Peffer, J., & Salancik, G. R. (1977). Organization design: The case for a coalitional model of organizations. Organizational Dynamics, 6(2), 15-29.

Petrinovich, L. (2021). What behavioral scientists are unwilling to accept? Journal of Methods and Measurement in the Social Sciences, 12(1), 5-36.

PwC. (2013) Transform your bank’s operations model: A best practices discussion -. https://www.strategyand.pwc.com/gx/en/insights/2011-2014/transform-banks- operations-model.html

Rasool, S. F., Wang, M., Tang, M., Saeed, A., & Iqbal, J. (2021). How toxic workplace environment effects the employee engagement: The mediating role of organizational support and employee wellbeing. International journal of environmental research and public health, 18(5), 2294.

Roy Davidson et.al (2017), IT – driven Organizational Transformation of Traditional Banks in India – A case study, Retrieved from 2021: https://aisel.aisnet.org/ukais2013/51/

Sarasvathy, S. D., Dew, N., Read, S., & Wiltbank, R. (2008). Designing organizations that design environments: Lessons from entrepreneurial expertise. Organization Studies, 29(3), 331-350.

S.A.Munshi (2014) An Analytical Study on Change Management and Organization Development in Banking Sector:



Saunders, M., Lewis, P., & Thornhill, A. (2009). Research methods for business

students. Pearson education.

Saunders, M., Lewis, P., & Thornhill, A. (2019). Research methods for business students. Essex: Prentice Hall: Financial Times.

Schein, E. H. (1992). Organizational culture and leadership (2nd ed.). Jossey-Bass. Schraeder, M. (2004). Organizational assessment in the midst of tumultuous change.


Senge, P. M. (1990) The Fifth Discipline: The Art and Practice of the Learning Organization.

Serene Dalati (2017), Managing Change in Banking Organizations: The Case of a UK Commercial Bank.


Banking_Organizations The_Case_of_a_UK_Commercial_Bank

Shanti, R., Avianto, W., & Wibowo, W A. (2022). A Systematic Review on Banking

Digital Transformation. https://doi.org/10.26858/ja.v9i2.40584 Shukla, S., & Shukla, S. (2020). Organizational discourse and dysfunctional

leadership. https://doi.org/10.1037/mgr0000094

Siggelkow, N., & Rivkin, J. W. (2005). Speed and search: Designing organizations

for turbulence and complexity. Organization Science, 16(2), 101-122. Simon, H. A. (1973). Applying information technology to organization design.

Public administration review, 33(3), 268-278.

SA, L. (2018). A Synthesis of Organizational Diagnosis and Knowledge

Management Practices–An Exploratory Study. Bulletin of Business and

Economics (BBE), 7(1), 22-29.

Smith, W. K., & Lewis, M. W. (2011). Toward a theory of paradox: A dynamic

equilibrium model of organizing. Academy of Management Review, 36(2),


Smith, J. (2010). Defining organizations as social entities. Journal of Management Studies, 47(5), 829-852.

Solarz, M., & Adamek, J. (2022). Determinants of digital financial exclusion as a barrier to the adoption of mobile banking services in Poland. Ekonomia i Prawo

Spindle, T. R., Bonn-Miller, M., & Vandrey, R. (2019). Changing landscape of cannabis: novel products, formulations, and methods of administration. Current opinion in psychology. Success factors for fostering a digital transformation in manufacturing companies.

SpringerLink. (2023) Business Model Philosophy in Banking 5.0, https://link.springer.com/chapter/10.1007/978-3-030-75871-4_3

Strategy&. (2013) Transform your bank’s operations model -. https://www.strategyand.pwc.com/gx/en/insights/2002-2013/transform-banks- operations-model/strategyand-transform-your-banks-operations-model.pdf

Sung, W., & Kim, C. (2021). A Study on the Effect of Change Management on Organizational Innovation: Focusing on the Mediating Effect of Members’ Innovative Behavior. Sustainability.

Sustaining Sustainability in Organizations | Journal of Business Ethics. https://link.springer.com/article/10.1007/s10551-012-1425-0

Tabroni, I., Husniyah, H., Sapitri, L., & Azzahra, Y. (2022). Impact of Technological Advancements on The Establishment of Characteristics of Children. EAJMR: East Asian Journal of Multidisciplinary Research.

Theresa M. Welbourne (1994), Fear: A Misunderstood Component of Organizational Transformation, CAHRS Working Paper Series, Cornell University

Tushman, M. L., & O'Reilly, C. A. (1997). Winning through innovation: A practical guide to leading organizational change and renewal. Harvard Business School Press.

Tzeng, E., Hoffman, J., Saenko, K., & Darrell, T. (2017). Adversarial Discriminative Domain Adaptation. 2017 IEEE Conference on Computer Vision and Pattern Recognition (CVPR).

Van Tondar (2004), “Organizational Transformation”: Wavering on the edge of Ambiguity, SA Journal of Industrial Psychology, 2004, 30 (3), 53-64

Venturelli, A., Cosma, S., & Leopizzi, R. (2018). Stakeholder Engagement: An Evaluation of European Banks. https://doi.org/10.1002/csr.1486

Wischnevsky, J. D., &Damanpour, F. (2006). Organizational transformation and performance: An examination of three perspectives. Journal of Managerial Issues, 104-128.

World Bank (2020), Ethiopia, The path to an efficient, stable and inclusive financial sector, World Bank Country report, WB press, 2020

World Bank. (n.d). Changing Change Management – Field Note

https://documents1.worldbank.org/curated/en/115081548846139465/pdf/Chan ging-Change-Management-Adapting-Internal-and-External-Culture-in-Times- of-Digital-Transformation.pdf

Yin, R. K. (2009). Case study research: Design and methods (Vol. 5). Sage. Yin, R. K. (2011). Applications of case study research. Sage.

Yin R.K. (2014), Case Study Research Design and Methods, 5th edition, SAGE


Additional Files