Abstract
Purpose: Bank 4.0 is an advanced banking technologies used for sound and smooth facilitation of financial intermediary functions between surplus and deficit units in an economy. The increasing demands of stakeholders have put pressure on banking industry especially Africa countries to integrate Bank 4.0 framework into their core operations and decision-making processes to achieve competitiveness and bank financial sustainability. Design/methodology/approach: Both qualitative and empirical evidence were amassed over the period of 2007-2026 from Web of Science, IBSS, Scopus, EBSCO, and Google Scholar database. The study reviewed 203 articles and screened through systematic review of literature using PRISMA guidelines to map out the link between Bank 4.0 and Bank competitiveness on bank financial sustainability in Africa. Findings: The systematic review of literature revealed that bank 4.0 technologies is a prerequisite for bank stability as well as bank competitiveness enhanced bank stability and financial performance. However, no known studies focused on combined influence of Bank 4.0 technologies and bank competitiveness drive bank financial sustainability within and outside Africa contexts. Thus, there exist gap this study intended to fill. Originality/value: Thus, regulators of commercial bank industry should encourage management of commercial banks in Africa to embrace Bank 4.0 technologies such as Digital account opening (e-KYC), Chatbots & virtual assistants, big data & analytics, cloud computing, blockchain technology and biometric banking which will serve as leveller for commercial banks in Africa to compete with commercial banks in developed and emerging economies and therefore enhanced financial sustainability of commercial banks in Africa.