PONE-D-24-23190Determining  Resources and Capabilities in Complex Context: A Decision-Making Model for BanksPLOS ONE

Dear Dr. Ristyawan,

Thank you for submitting your manuscript to PLOS ONE. After careful consideration, we feel that it has merit but does not fully meet PLOS ONE’s publication criteria as it currently stands. Therefore, we invite you to submit a revised version of the manuscript that addresses the points raised during the review process.

Dear authors

I hope you are doing well.

The paper is nearest to being rejected; however, as I see some good contributions, the paper needs to be revised based on Reviewers comments and Mine. The following must be done: define the study framework in detail and specify the inclusion and exclusion of literature in detail. The abstract must be rewritten to include the methodology. Questions should be clearly stated in the introduction and then answered in detail in the SLR. Through a comprehensive review, you must design a table that shows the proposals for future research in terms of the descriptive and thematic aspects. You must provide a summary of the literature, stating the most important determinants in detail based on the literature. Re-extract the figures explicitly.

THNAK YOU. Please submit your revised manuscript by Dec 25 2024 11:59PM. If you will need more time than this to complete your revisions, please reply to this message or contact the journal office at plosone@plos.org . When you're ready to submit your revision, log on to https://www.editorialmanager.com/pone/ and select the 'Submissions Needing Revision' folder to locate your manuscript file.

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If you would like to make changes to your financial disclosure, please include your updated statement in your cover letter. Guidelines for resubmitting your figure files are available below the reviewer comments at the end of this letter.

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We look forward to receiving your revised manuscript.

Kind regards,

Saddam A. Hazaea, Postdoctoral

Academic Editor

PLOS ONE

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2. Thank you for stating the following in the Acknowledgments Section of your manuscript: 

We thank the reviewers for their insightful comments on the development of this manuscript. We also thank the School of Business and Management of Bandung Institute of Technology for supporting this research. We appreciate the Indonesian Ministry of Education, Culture, Research and Technology for supporting this research.

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Additional Editor Comments :

Dear authors

I hope you are doing well

The paper is nearest to being rejected; however, as I see some good contributions, the paper needs to be revised based on comments. The following must be done: define the study framework in detail and specify the inclusion and exclusion of literature in detail. The abstract must be rewritten to include the methodology. Questions should be clearly stated in the introduction and then answered in detail in the SLR. Through a comprehensive review, you must design a table that shows the proposals for future research in terms of the descriptive and thematic aspects. You must provide a summary of the literature, stating the most important determinants in detail based on the literature. Re-extract the figures explicitly.

THNAK YOU

[Note: HTML markup is below. Please do not edit.]

Reviewers' comments:

Reviewer's Responses to Questions

Comments to the Author

1. Is the manuscript technically sound, and do the data support the conclusions?

The manuscript must describe a technically sound piece of scientific research with data that supports the conclusions. Experiments must have been conducted rigorously, with appropriate controls, replication, and sample sizes. The conclusions must be drawn appropriately based on the data presented.

Reviewer #1: No

Reviewer #2: Partly

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2. Has the statistical analysis been performed appropriately and rigorously?

Reviewer #1: N/A

Reviewer #2: Yes

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3. Have the authors made all data underlying the findings in their manuscript fully available?

The PLOS Data policy requires authors to make all data underlying the findings described in their manuscript fully available without restriction, with rare exception (please refer to the Data Availability Statement in the manuscript PDF file). The data should be provided as part of the manuscript or its supporting information, or deposited to a public repository. For example, in addition to summary statistics, the data points behind means, medians and variance measures should be available. If there are restrictions on publicly sharing data—e.g. participant privacy or use of data from a third party—those must be specified.

Reviewer #1: Yes

Reviewer #2: Yes

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4. Is the manuscript presented in an intelligible fashion and written in standard English?

PLOS ONE does not copyedit accepted manuscripts, so the language in submitted articles must be clear, correct, and unambiguous. Any typographical or grammatical errors should be corrected at revision, so please note any specific errors here.

Reviewer #1: No

Reviewer #2: Yes

**********

5. Review Comments to the Author

Please use the space provided to explain your answers to the questions above. You may also include additional comments for the author, including concerns about dual publication, research ethics, or publication ethics. (Please upload your review as an attachment if it exceeds 20,000 characters)

Reviewer #1:  It is an interesting topic on the decision-making model in the rapid change of the environment. However, the development of the background, literature review, methods and the results are weak and need to be revisited at its entirety.

Reviewer #2:  1. For the proposed decision-making model, the authors should provide more details on the validation process, including sensitivity analysis or testing the model's applicability in different contexts.

2. The paper also mentions the use of fuzzy preference relationship assessment and big data analysis. The authors should describe the specific steps of these analytical methods, including data preprocessing, model training, and interpretation of results.

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6. PLOS authors have the option to publish the peer review history of their article (what does this mean? ). If published, this will include your full peer review and any attached files.

If you choose “no”, your identity will remain anonymous but your review may still be made public.

Do you want your identity to be public for this peer review? For information about this choice, including consent withdrawal, please see our Privacy Policy .

Reviewer #1: No

Reviewer #2: No

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[NOTE: If reviewer comments were submitted as an attachment file, they will be attached to this email and accessible via the submission site. Please log into your account, locate the manuscript record, and check for the action link "View Attachments". If this link does not appear, there are no attachment files.]

While revising your submission, please upload your figure files to the Preflight Analysis and Conversion Engine (PACE) digital diagnostic tool, https://pacev2.apexcovantage.com/ . PACE helps ensure that figures meet PLOS requirements. To use PACE, you must first register as a user. Registration is free. Then, login and navigate to the UPLOAD tab, where you will find detailed instructions on how to use the tool. If you encounter any issues or have any questions when using PACE, please email PLOS at figures@plos.org . Please note that Supporting Information files do not need this step.

Attachments

Attachment

Submitted filename: PONE-D-24-23190-COMPLETED REVIEW.pdf

PONE-D-24-23190R1Determining  Resources and Capabilities in Complex Context: A Decision-Making Model for BanksPLOS ONE

Dear Dr. Ristyawan,

Thank you for submitting your manuscript to PLOS ONE. After careful consideration, we feel that it has merit but does not fully meet PLOS ONE’s publication criteria as it currently stands. Therefore, we invite you to submit a revised version of the manuscript that addresses the points raised during the review process.

==============================

Dear authors, please address all comments in detail.

==============================

Please submit your revised manuscript by Apr 19 2025 11:59PM. If you will need more time than this to complete your revisions, please reply to this message or contact the journal office at plosone@plos.org . When you're ready to submit your revision, log on to https://www.editorialmanager.com/pone/ and select the 'Submissions Needing Revision' folder to locate your manuscript file.

Please include the following items when submitting your revised manuscript:

• A rebuttal letter that responds to each point raised by the academic editor and reviewer(s). You should upload this letter as a separate file labeled 'Response to Reviewers'.
• A marked-up copy of your manuscript that highlights changes made to the original version. You should upload this as a separate file labeled 'Revised Manuscript with Track Changes'.
• An unmarked version of your revised paper without tracked changes. You should upload this as a separate file labeled 'Manuscript'.

If you would like to make changes to your financial disclosure, please include your updated statement in your cover letter. Guidelines for resubmitting your figure files are available below the reviewer comments at the end of this letter.

If applicable, we recommend that you deposit your laboratory protocols in protocols.io to enhance the reproducibility of your results. Protocols.io assigns your protocol its own identifier (DOI) so that it can be cited independently in the future. For instructions see: https://journals.plos.org/plosone/s/submission-guidelines#loc-laboratory-protocols . Additionally, PLOS ONE offers an option for publishing peer-reviewed Lab Protocol articles, which describe protocols hosted on protocols.io. Read more information on sharing protocols at https://plos.org/protocols?utm_medium=editorial-email&utm_source=authorletters&utm_campaign=protocols .

We look forward to receiving your revised manuscript.

Kind regards,

Saddam A. Hazaea, Postdoctoral

Academic Editor

PLOS ONE

Additional Editor Comments:

Dear authors, please address all comments.

[Note: HTML markup is below. Please do not edit.]

Reviewers' comments:

Reviewer's Responses to Questions

Comments to the Author

1. If the authors have adequately addressed your comments raised in a previous round of review and you feel that this manuscript is now acceptable for publication, you may indicate that here to bypass the “Comments to the Author” section, enter your conflict of interest statement in the “Confidential to Editor” section, and submit your "Accept" recommendation.

Reviewer #1: (No Response)

Reviewer #2: All comments have been addressed

Reviewer #3: (No Response)

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2. Is the manuscript technically sound, and do the data support the conclusions?

The manuscript must describe a technically sound piece of scientific research with data that supports the conclusions. Experiments must have been conducted rigorously, with appropriate controls, replication, and sample sizes. The conclusions must be drawn appropriately based on the data presented.

Reviewer #1: No

Reviewer #2: Yes

Reviewer #3: Partly

**********

3. Has the statistical analysis been performed appropriately and rigorously?

Reviewer #1: Yes

Reviewer #2: Yes

Reviewer #3: No

**********

4. Have the authors made all data underlying the findings in their manuscript fully available?

The PLOS Data policy requires authors to make all data underlying the findings described in their manuscript fully available without restriction, with rare exception (please refer to the Data Availability Statement in the manuscript PDF file). The data should be provided as part of the manuscript or its supporting information, or deposited to a public repository. For example, in addition to summary statistics, the data points behind means, medians and variance measures should be available. If there are restrictions on publicly sharing data—e.g. participant privacy or use of data from a third party—those must be specified.

Reviewer #1: Yes

Reviewer #2: Yes

Reviewer #3: Yes

**********

5. Is the manuscript presented in an intelligible fashion and written in standard English?

PLOS ONE does not copyedit accepted manuscripts, so the language in submitted articles must be clear, correct, and unambiguous. Any typographical or grammatical errors should be corrected at revision, so please note any specific errors here.

Reviewer #1: No

Reviewer #2: Yes

Reviewer #3: Yes

**********

6. Review Comments to the Author

Please use the space provided to explain your answers to the questions above. You may also include additional comments for the author, including concerns about dual publication, research ethics, or publication ethics. (Please upload your review as an attachment if it exceeds 20,000 characters)

Reviewer #1: Most of the inputs in the previous review have not been addressed. The revisions were done by paraphrasing the previous paper, but not the substance of the paper as highlighted in the review. If the authors have different of opinions, then they should be highlighted in the rebuttal notes to the reviewers.

Reviewer #2: All questions have been modified specifically to enhance clarity and relevance to the study. The revisions reflect a thoughtful consideration of the feedback provided during the initial review process.

Reviewer #3: Mochammad Ridwan Ristyawan and colleagues present a conceptual model aimed at assisting bank managers in decision-making under conditions of volatility, uncertainty, complexity, and ambiguity, an issue of significant practical relevance. The integration of dynamic capabilities, socio-technical systems (STS), and big data analytics (BDA) provides a novel theoretical foundation. However, while the research framework is ambitious and methodologically rigorous in certain aspects, several critical issues must be addressed to enhance the theoretical contribution, methodological transparency, and practical applicability.

A) Major Concerns:

1 Methodological Rigor:

One key concern is the methodological rigor of the model development. In the Functional Requirement Definition (FRD) section (Table 2 in the results), the interview outlines focus heavily on the importance of addressing the problem but provide insufficient detail on the conceptual model itself. This discussion could be better positioned in the discussion section rather than in the methodological framework.

2 Model Components:

It is unclear whether all six components of the proposed conceptual framework are essential. Are all six equally critical in different decision-making contexts, or do they vary in priority depending on the situation? A more nuanced discussion on the relative importance of these components would strengthen the framework.

3 Empirical Evidence:

A significant limitation is the lack of strong empirical support for the model. In the mini-case simulation, the authors primarily describe processes, such as stating that " the BOD analyzes resource and capability requirements for the latest strategy," but do not provide concrete evidence demonstrating the model’s effectiveness. Is there empirical data showing that applying the conceptual framework leads to measurable improvements in banking operations? For instance, is there a pre- vs. post-implementation comparison, and if so, what is the effect size? Furthermore, the mini-case study is narrow in scope and lacks comparative analysis with other banks or industries. A multi-case approach would enhance the model’s generalizability.

4 Implementation Challenges:

Another critical issue is the practical implementation of the model. How can bank managers integrate this framework into real-world decision-making processes? The authors need to provide more concrete guidance or discussion on implementation strategies.

B) Minor Concerns:

Presentation of Table 5: Instead of using a table to conceptualize insights from interconnected dimensions, a network graph might offer better clarity. Specifically, the graph’s nodes could represent the relational dimensions, making the structure more intuitive.

Clarification of Theoretical Novelty: The authors should explicitly contrast the proposed model with existing frameworks and highlight why it provides a superior approach to addressing complexity and ambiguity in banking decision-making.

Addressing these issues would significantly enhance the robustness and impact of the study.

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7. PLOS authors have the option to publish the peer review history of their article (what does this mean? ). If published, this will include your full peer review and any attached files.

If you choose “no”, your identity will remain anonymous but your review may still be made public.

Do you want your identity to be public for this peer review? For information about this choice, including consent withdrawal, please see our Privacy Policy .

Reviewer #1: No

Reviewer #2: No

Reviewer #3: No

**********

[NOTE: If reviewer comments were submitted as an attachment file, they will be attached to this email and accessible via the submission site. Please log into your account, locate the manuscript record, and check for the action link "View Attachments". If this link does not appear, there are no attachment files.]

While revising your submission, please upload your figure files to the Preflight Analysis and Conversion Engine (PACE) digital diagnostic tool, https://pacev2.apexcovantage.com/ . PACE helps ensure that figures meet PLOS requirements. To use PACE, you must first register as a user. Registration is free. Then, login and navigate to the UPLOAD tab, where you will find detailed instructions on how to use the tool. If you encounter any issues or have any questions when using PACE, please email PLOS at figures@plos.org . Please note that Supporting Information files do not need this step.

Attachments

Attachment

Submitted filename: PONE-D-24-23190-R1-COMPLETED REVIEW.pdf

Determining  Resources and Capabilities in Complex Context: A Decision-Making Model for Banks

PONE-D-24-23190R2

Dear Dr. Mochammad Ridwan Ristyawan

We’re pleased to inform you that your manuscript has been judged scientifically suitable for publication and will be formally accepted for publication once it meets all outstanding technical requirements.

Within one week, you’ll receive an e-mail detailing the required amendments. When these have been addressed, you’ll receive a formal acceptance letter and your manuscript will be scheduled for publication.

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If your institution or institutions have a press office, please notify them about your upcoming paper to help maximize its impact. If they’ll be preparing press materials, please inform our press team as soon as possible -- no later than 48 hours after receiving the formal acceptance. Your manuscript will remain under strict press embargo until 2 pm Eastern Time on the date of publication. For more information, please contact onepress@plos.org.

Kind regards,

Saddam A. Hazaea, Postdoctoral

Academic Editor

PLOS ONE

Additional Editor Comments (optional):

Congratulations, based on the review comments, your paper is now accepted.

Reviewers' comments:

Reviewer's Responses to Questions

Comments to the Author

1. If the authors have adequately addressed your comments raised in a previous round of review and you feel that this manuscript is now acceptable for publication, you may indicate that here to bypass the “Comments to the Author” section, enter your conflict of interest statement in the “Confidential to Editor” section, and submit your "Accept" recommendation.

Reviewer #3: All comments have been addressed

**********

2. Is the manuscript technically sound, and do the data support the conclusions?

The manuscript must describe a technically sound piece of scientific research with data that supports the conclusions. Experiments must have been conducted rigorously, with appropriate controls, replication, and sample sizes. The conclusions must be drawn appropriately based on the data presented.

Reviewer #3: (No Response)

**********

3. Has the statistical analysis been performed appropriately and rigorously?

Reviewer #3: (No Response)

**********

4. Have the authors made all data underlying the findings in their manuscript fully available?

The PLOS Data policy requires authors to make all data underlying the findings described in their manuscript fully available without restriction, with rare exception (please refer to the Data Availability Statement in the manuscript PDF file). The data should be provided as part of the manuscript or its supporting information, or deposited to a public repository. For example, in addition to summary statistics, the data points behind means, medians and variance measures should be available. If there are restrictions on publicly sharing data—e.g. participant privacy or use of data from a third party—those must be specified.

Reviewer #3: (No Response)

**********

5. Is the manuscript presented in an intelligible fashion and written in standard English?

PLOS ONE does not copyedit accepted manuscripts, so the language in submitted articles must be clear, correct, and unambiguous. Any typographical or grammatical errors should be corrected at revision, so please note any specific errors here.

Reviewer #3: (No Response)

**********

6. Review Comments to the Author

Please use the space provided to explain your answers to the questions above. You may also include additional comments for the author, including concerns about dual publication, research ethics, or publication ethics. (Please upload your review as an attachment if it exceeds 20,000 characters)

Reviewer #3: (No Response)

**********

7. PLOS authors have the option to publish the peer review history of their article (what does this mean? ). If published, this will include your full peer review and any attached files.

If you choose “no”, your identity will remain anonymous but your review may still be made public.

Do you want your identity to be public for this peer review? For information about this choice, including consent withdrawal, please see our Privacy Policy .

Reviewer #3: No

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