How Digital Banking Affects Output and Performance at European Commercial Banks

Yueh-Lung Lin, Yu-Jen Hsiao, Kuan-Chen Chen, Shih-Jie Lin

Research output: Contribution to journalArticlepeer-review

Abstract

We examine 550 commercial bank observations that are among the first to adopt digital banking in the European region and compare the change in their 2009-2013 financial performance with that of 4,793 nondigital commercial bank observations. We find that larger banks and those affiliated with bank holding companies are more likely to adopt digital finance solutions. It is also found that the commercial banks adopting a digital delivery channel influence profitability changes and there exists a complementary relationship between brick-and-mortar bank and digital bank mode.
Translated title of the contribution數位金融如何影響歐洲商業銀行的產出和經營績效
Original languageEnglish
Pages (from-to)89-110
Number of pages22
Journal財務金融學刊
Volume27
Issue number4
DOIs
Publication statusPublished - Dec 31 2019

Keywords

  • Commercial banks
  • digital banking
  • product innovation
  • 商業銀行
  • 數位金融
  • 產品創新

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