<p>This paper presents a methodology that establishes the complementarity between Soft Systems Methodology (SSM) and the Viable System Model (VSM) for digital banking transformation as a socio-technical system. SSM is employed to surface diverse worldviews and guide participatory inquiry, while VSM provides the foundation for designing viable systems and subsystems. The proposed methodology creates a holistic process for problem definition through mapping systems and subsystems, and for solution definition through declaring stakeholder worldviews and seeking their accommodation. The result is a generic and readily applicable methodology for managers seeking to navigate socio-technical transformation. The study contributes to the SSM and VSM literature by demonstrating how their complementary use supports both interpretive depth and structural viability. The findings further extend the applicability of the proposed methodology, offering guidance for researchers and practitioners engaged in the design and improvement of socio-technical systems.</p>