The impact of digital asset management on investment performance in banking: a case study of Keystone Bank
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Background of the Study
Digital asset management (DAM) is increasingly recognized as a critical tool for optimizing investment performance in modern banking. Keystone Bank has embraced digital asset management techniques to streamline its investment processes, enhance portfolio tracking, and improve overall investment returns (Oluwaseun, 2023). The adoption of DAM involves the use of advanced software systems that provide real-time monitoring, data analytics, and automated reporting tools. These systems allow the bank to manage a diversified portfolio more efficiently, ensuring that investment decisions are based on accurate and timely data (Adeniyi, 2024).
The integration of digital asset management systems has transformed traditional investment practices by enabling data-driven decision-making and reducing human error. Keystone Bank’s strategy focuses on leveraging these technologies to optimize asset allocation, monitor market trends, and respond swiftly to changes in the economic environment. Studies have shown that banks employing robust DAM systems achieve better investment performance, lower risk exposure, and enhanced transparency in portfolio management (Chinwe, 2023). However, the effectiveness of digital asset management depends on continuous system updates, staff training, and seamless integration with existing financial processes.
This study aims to investigate the impact of digital asset management on the investment performance of Keystone Bank by analyzing historical performance data, investment strategies, and risk mitigation practices. By combining quantitative metrics with qualitative insights from portfolio managers, the research will evaluate how DAM contributes to improved returns and strategic decision-making. Furthermore, the study will explore potential challenges such as system interoperability, data accuracy, and user adaptability, which can influence the overall effectiveness of digital asset management initiatives.
Statement of the Problem
Keystone Bank’s digital asset management initiatives, although promising, face several challenges that may limit their impact on investment performance. One major issue is the difficulty in integrating new digital systems with legacy investment platforms, which can lead to data discrepancies and delays in decision-making (Ikechukwu, 2023). Despite significant investments in technology, the expected improvements in investment returns are not consistently observed, suggesting that operational challenges may be hindering the full potential of DAM systems.
Additionally, the rapid pace of technological change requires continuous updates and staff training, which can strain resources and affect the consistency of investment strategies. The lack of standardized evaluation metrics for digital asset management also complicates the assessment of its impact on portfolio performance. This gap between technological capability and operational execution has resulted in suboptimal investment outcomes during periods of market volatility. The study seeks to determine whether the current DAM practices at Keystone Bank are sufficient to drive improved investment performance or if additional measures are needed to address these challenges.
Objectives of the Study
• To evaluate the impact of digital asset management on investment performance at Keystone Bank.
• To identify operational challenges affecting the integration of DAM systems.
• To recommend strategies for enhancing digital asset management to optimize investment returns.
Research Questions
• How does digital asset management affect investment performance at Keystone Bank?
• What challenges hinder the effective integration of DAM systems with existing investment processes?
• What strategies can improve the effectiveness of digital asset management?
Research Hypotheses
• H1: Effective digital asset management significantly enhances investment performance.
• H2: Integration challenges between new and legacy systems negatively affect investment returns.
• H3: Continuous system updates and training improve the effectiveness of DAM.
Scope and Limitations of the Study
This study focuses on Keystone Bank’s digital asset management practices over the past three years, using investment performance data and management interviews. Limitations include external market volatility and integration issues.
Definitions of Terms
• Digital Asset Management (DAM): Systems and processes for managing digital investment assets.
• Investment Performance: The return on investment and risk profile of a bank’s portfolio.
• Portfolio Management: The process of managing a collection of investments to meet specific financial goals.
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