Background and purpose: Research indicates that the sustainability of contemporary organizations is contingent not only upon enhancing productivity but also on undertaking digital transformation initiatives. This study aims to identify the components of digital competencies based on employees' experiences within the banking sector.

Research method: The methodology employed in this research involves content analysis, supplemented by in-depth interviews conducted with 14 subject matter experts selected through purposive sampling. This sampling process continued until theoretical saturation was achieved. Data analysis was performed using Atlas TI 8 software, executed in multiple stages encompassing open coding, axial coding, and theoretical coding.

Findings: The results indicate that the components of digital competencies derived from employees' experiences encompass technological cognitive competencies, technical competencies, and operational competencies. These components were prioritized with technological cognitive competencies ranked first, followed by technical competencies in second place, and operational competencies ranked third.

Conclusion: To enhance the digital competencies within banking institutions, management should prioritize the various components associated with these skills in a systematic order.