Commercial banks are constantly seeking innovative strategies to bolster their revenue in an ever-evolving financial landscape. While traditional methods such as loan interest and fees remain crucial, exploring unconventional avenues can provide additional streams of income and ensure sustainability amidst competitive pressures. This article investigates various unconventional methods for increasing commercial banks' income, including digital transformation, strategic partnerships, fee-based services, and innovative financial products. By adopting these unconventional approaches, banks can diversify revenue sources, enhance customer satisfaction, and strengthen their position in the market.

Digital transformation, Strategic partnerships, Innovative financial products

Berger, A. N., & Bouwman, C. H. S. (2013). How does capital affect bank performance during financial crises? Journal of Financial Economics, 109(1), 146-176.

Claessens, S., Coleman, N., & Donnelly, M. P. (2019). "Fintech and Financial Inclusion: Evidence from Mexico". World Bank Policy Research Working Paper 8854.

Demirgüç-Kunt, A., Klapper, L., Singer, D., & Van Oudheusden, P. (2015). The Global Findex Database 2014: Measuring Financial Inclusion around the World. World Bank Policy Research Working Paper 7255.

Gomber, P., Koch, J. A., & Siering, M. (2017). Digital Finance and FinTech: Current Research and Future Research Directions. Journal of Business Economics, 87(5), 537-580.

McKinsey & Company. (2019). Global banking annual review: The last pit stop? Time for bold late-cycle moves. Retrieved from https://www.mckinsey.com/industries/financial-services/our-insights/global-banking-annual-review-2019-the-last-pit-stop-time-for-bold-late-cycle-moves

Saunders, A., & Cornett, M. (2016). Financial Institutions Management: A Risk Management Approach. McGraw-Hill Education.

Stiglitz, J. E., & Weiss, A. (1981). Credit Rationing in Markets with Imperfect Information. The American Economic Review, 71(3), 393-410.

The World Bank. (2020). World Development Indicators. Retrieved from https://datacatalog.worldbank.org/dataset/world-development-indicators

Yermack, D. (2017). Corporate Governance and Blockchains. Review of Finance, 21(1), 7-31.