Sustainable competitive advantage in banking is the ability of a bank to provide more value to
customers or perform operations at a lower cost than competitors, in a way that is difficult for
competitors to imitate and is maintained in the long term. Among the factors that create sustainable
competitive advantage in banking are the quality of services, financial technologies, digital
transformation, agility and resilience of banking. Service quality is the basis of customer loyalty, and
the competitive advantage created through it is a type of differentiation advantage. Financial
technologies and digital transformation are closely related; financial technologies are the main driver of
digital transformation. Digital transformation does not simply mean using technology, but redesigning
the business model based on new digital capabilities. Agility is also the ability of an organization to
sense, recognize and respond quickly and effectively to environmental changes. In a volatile economic
and technological environment, agility is the most critical competitive advantage. Ultimately, resilience
is the bank's ability to absorb shocks, recover quickly from crises (financial, operational or cyber), and
continue critical operations without interruption. If banks can integrate all five factors into their strategy
and culture, they will not only compete in the short term, but also build advantages that are deeply
rooted in processes, data, and customer relationships, ensuring their survival in the long term. Hence,
the purpose of this research is to examine the role of service quality, financial technologies, digital
transformation, banking agility, and resilience in creating sustainable competitive advantage in banking.