Given the emergence of digital transformation from Industry 4 and the rapid dissemination of technological innovations as well as their impact as a strong driving force in new banking businesses, efforts should be made to identify the dimensions of this core factor as rapidly as possible. Providing a comprehensive overview of all aspects of the model. The purpose of this article is to provide insights into the state of the art of digital transformation in the banking industry and suggest ways for future research. Existing literature, especially research for 2019 and 2020, has enhanced our understanding of the specific aspects of digital transformation in future banking, and we are now grasping a clearer picture of nature, how, and the consequences of these in the years ahead. However, all its dimensions are not yet clear. In this article, by review of 218 articles in the WOS database, and the analysis has utilized the data-driven tools,165 questionnaire and 90 specialized interviews with experts, extracted factors of the research, and using SMART PLS statistical software, ANFIS and MATLAB software for analysis. The paper, therefore, tends to understand Open Banking Innovation based on the digital transformation area and its dimensions in its previously known domains.
