Abstract
This study synthesizes how supervisory leadership and managerial coaching influence cross-selling performance in digital-banking frontline environments. Using a Systematic Literature Review (SLR) approach, 32 peer-reviewed articles indexed in Scopus and SINTA 1–2 were analyzed to examine multi-level mechanisms through which leadership behaviors shape frontline capability, engagement, adaptive selling, and organizational agility. The review finds that supervisory leadership contributes indirectly to cross-selling effectiveness through structured coaching practices that build competence, confidence, customer-handling capability, and adaptive selling behavior. Employee engagement functions as a psychological catalyst that activates these capabilities into behavioral performance, while organizational agility strengthens execution by enabling responsive coordination, fast decision-making, and integrated customer workflows. The findings emphasize that cross-selling performance arises from the interaction of leadership-driven capability development, coaching reinforcement, psychological activation, and structural agility. This review proposes an integrated conceptual framework relevant for digital-banking and microfinance institutions seeking to improve fee-based income through capability strengthening and frontline development strategies.
References
Agarwal, R., & Karahanna, E. (2000). Time flies when you’re having fun: Individual and managerial drivers of information sharing. MIS Quarterly, 24(4), 665–694. https://doi.org/10.2307/3250951.
Avolio, B. J., Sosik, J. J., Kahai, S. S., & Baker, B. (2023). Digital leadership: Leading in the age of disruption. The Leadership Quarterly, 34(2), 101653. https://doi.org/10.1016/j.leaqua.2023.101653.
Bakker, A. B., & Albrecht, S. (2018). Work engagement: Current trends. Current Opinion in Psychology, 23, 3–9. https://doi.org/10.1016/j.copsyc.2017.10.015.
Barrick, M. R., & Mount, M. K. (1991). The Big Five personality dimensions and job performance. Personnel Psychology, 44(1), 1–26. https://doi.org/10.1111/j.1744-6570.1991.tb00688.x.
Beckett, A., Hewer, P., & Howcroft, B. (2000). An exposition of consumer cross-selling behavior in retail banking. International Journal of Bank Marketing, 18(2), 60–69. https://doi.org/10.1108/02652320010322936.
Cai, Y., Wen, L., & O’Connor, S. (2022). Data-driven B2B banking and green finance adoption: An analytics-based framework. Journal of Cleaner Production, 360, 132094. https://doi.org/10.1016/j.jclepro.2022.132094.
Challagalla, G. N., & Shervani, T. A. (1996). Dimensions and types of supervisory control. Journal of Marketing, 60(1), 89–105. https://doi.org/10.1177/002224299606000107.
Chandy, R. K., & Tellis, G. J. (2000). The incumbent’s curse? Incumbency, radical product innovation, and consumer expectations. Journal of Marketing, 64(3), 1–17. https://doi.org/10.1509/jmkg.64.3.1.18033.
Chen, X., Liu, D., & Portnoy, R. (2021). Cultural intelligence and adaptive selling behaviors in cross-cultural settings. Journal of Business Research, 130, 493–501. https://doi.org/10.1016/j.jbusres.2020.02.019.
Ellinger, A. D., Ellinger, A. E., & Keller, S. B. (2003). Supervisory coaching: Facilitating learning in logistics environments. Journal of Business Logistics, 24(1), 91–117. https://doi.org/10.1002/j.2158-1592.2003.tb00031.x.
Fang, V. W., Huang, A., & Karpoff, J. M. (2016). Short selling and product market competition. Journal of Finance, 71(5), 2383–2418. https://doi.org/10.1111/jofi.12413.
Fein, E. C., & Tziner, A. (2019). Big Five personality traits and frontline performance in banking. Journal of Managerial Psychology, 34(3), 190–203. https://doi.org/10.1108/JMP-10-2018-0487.
Hartmann, N. N., Wieland, H., & Vargo, S. L. (2018). B2B salespeople managing multiple dissenters in the buying center. Industrial Marketing Management, 76, 111–125. https://doi.org/10.1016/j.indmarman.2018.07.003.
Homburg, C., Müller, M., & Klarmann, M. (2011). When should salesperson customer orientation be rewarded? Journal of Marketing Research, 48(5), 1107–1120. https://doi.org/10.1509/jmr.10.0437.
Kim, H., Hur, W.-M., & Moon, T. (2017). Fostering service-oriented organizational citizenship behavior among hotel employees: The roles of authentic leadership and proactive personality. International Journal of Hospitality Management, 65, 29–38. https://doi.org/10.1016/j.ijhm.2017.06.001.
Kohtamäki, M., Parida, V., Oghazi, P., Gebauer, H., & Baines, T. (2019). Digital servitization business models: A framework for identifying cross‐selling opportunities in industrial firms. Industrial Marketing Management, 84, 144–156. https://doi.org/10.1016/j.indmarman.2019.06.014.
Larivière, B., Bowen, D., Andreassen, T. W., Kunz, W., Sirianni, N., Voss, C., … De Keyser, A. (2017). Service encounters in a digital world. Journal of Service Management, 28(1), 2–33. https://doi.org/10.1108/JOSM-01-2017-003.
Liu, D., Liao, H., & Loi, R. (2012). The dark side of leadership: Impression management following constructive deviance. Academy of Management Journal, 55(1), 123–145. https://doi.org/10.5465/amj.2010.0407.
Liu, Y., & Batt, R. (2010). How supervisors influence frontline service employees: Coaching, support, and empowerment. Human Resource Management Journal, 20(4), 375–393. https://doi.org/10.1111/j.1748-8583.2010.00140.x.
Miao, C. F., & Evans, K. R. (2012). The interactive effects of sales control systems and salesperson consequences on performance. Journal of the Academy of Marketing Science, 40, 474–498. https://doi.org/10.1007/s11747-011-0275-4.
Mulki, J. P., & Jaramillo, F. (2011). The effect of loneliness on salesperson performance. Journal of Personal Selling & Sales Management, 31(3), 297–312. https://doi.org/10.2753/PSS0885-3134310305.
Pentland, A. (2014). Social physics: Using big data to understand human performance. MIT Press.
Roberts, N., & Grover, V. (2012). Investigating firm agility. Journal of Management Information Systems, 28(4), 159–203. https://doi.org/10.2753/MIS0742-1222280406.
Salanova, M., Agut, S., & Peiró, J. M. (2005). Link between service climate and service performance. Journal of Applied Psychology, 90(6), 1217–1227. https://doi.org/10.1037/0021-9010.90.6.1217.
Spreitzer, G. M. (1995). Psychological empowerment in the workplace: Dimensions and validation. Academy of Management Journal, 38(5), 1442–1465. https://doi.org/10.2307/256865.
Spiro, R. L., & Weitz, B. A. (1990). Adaptive selling: Conceptualization, measurement, and nomological validity. Journal of Marketing Research, 27(1), 61–69. https://doi.org/10.1177/002224379002700106.
Tallon, P. P., Queiroz, M., Coltman, T., & Sharma, R. (2019). Digital transformation and organizational agility: Emerging perspectives. Journal of Strategic Information Systems, 28(2), 101–115. https://doi.org/10.1016/j.jsis.2019.02.001.
Tang, T. L.-P., & Chang, C.-H. (2010). Career success and service improvement: The role of frontline learning. Journal of Service Management, 21(4), 348–372. https://doi.org/10.1108/09564231011066070.
Verhoef, P. C., Spring, P. N., Hoekstra, J. C., & Leeflang, P. S. H. (2003). Cross-buying in financial services. Journal of Marketing, 67(2), 82–102. https://doi.org/10.1509/jmkg.67.2.82.18690.
Wallace, E., de Chernatony, L., & Buil, I. (2011). Creating and validating a self-managed service climate scale. Journal of Service Management, 22(4), 503–525. https://doi.org/10.1108/09564231111155088.
Wang, Z., Hall, N. C., & Taxer, J. L. (2019). Customer incivility and emotional labor strategies: The mediating role of job passion. Journal of Service Research, 22(4), 365–381. https://doi.org/10.1177/1094670519835315.
Zhang, J., & Hite, R. E. (2020). Supervisor feedback, coaching, and salesperson outcomes. Industrial Marketing Management, 88, 230–243. https://doi.org/10.1016/j.indmarman.2020.05.004.

