IDEAS home Printed from https://ideas.repec.org/a/gam/jjrfmx/v18y2025i3p128-d1603267.html
   My bibliography  Save this article

Managing Financial and Operational Risks Through Digital Transformation: The Mediating Influence of Information and Communication Technologies’ Adoption and Resistance to Change

Author

Listed:
  • Siham Slassi-sennou

    (ERMOT Laboratory, Faculty of Law, Economics and Social Sciences, Sidi Mohamed Ben Abdellah University, Fez 30060, Morocco)

  • Soufiane Elmouhib

    (ERMOT Laboratory, Faculty of Law, Economics and Social Sciences, Sidi Mohamed Ben Abdellah University, Fez 30060, Morocco
    Multidisciplinary Research Laboratory LAREM, HECF Business School, Fez 30000, Morocco)

Abstract

This study examines the relationships among ICT adoption, resistance to change, and digital transformation, focusing on their influence on financial and operational risk management. The research utilizes a quantitative design, drawing on data from 768 Moroccan professionals across multiple industries. Structural Equation Modeling (SEM) was employed to analyze both direct and indirect effects within the proposed theoretical framework. The findings indicate that ICT adoption has a positive effect on digital transformation, whereas resistance to change exerts a negative influence. Additionally, digital transformation mediates the impact of ICT adoption and resistance to change on financial and operational risks, thereby reducing these risks. These results underscore the potential role of change management in facilitating digital transformation and mitigating risk. From a managerial and policy standpoint, the study highlights the importance of fostering an organizational environment supportive of ICT adoption and addressing resistance to change. Integrating digital transformation into risk management strategies may also contribute to organizational resilience. This research extends existing knowledge by clarifying how digital transformation mediates the relationship between technology adoption, organizational behavior, and risk management.

Suggested Citation

  • Siham Slassi-sennou & Soufiane Elmouhib, 2025. "Managing Financial and Operational Risks Through Digital Transformation: The Mediating Influence of Information and Communication Technologies’ Adoption and Resistance to Change," JRFM, MDPI, vol. 18(3), pages 1-15, March.
    • Handle: RePEc:gam:jjrfmx:v:18:y:2025:i:3:p:128-:d:1603267
    as

    Download full text from publisher

    File URL: https://www.mdpi.com/1911-8074/18/3/128/pdf
    Download Restriction: no
    File URL: https://www.mdpi.com/1911-8074/18/3/128/
    Download Restriction: no
    ---><---

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:gam:jjrfmx:v:18:y:2025:i:3:p:128-:d:1603267. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: MDPI Indexing Manager (email available below). General contact details of provider: https://www.mdpi.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.