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 language | English |
| Pages (from-to) | 89-110 |
| Number of pages | 22 |
| Journal | 財務金融學刊 |
| Volume | 27 |
| Issue number | 4 |
| DOIs | |
| Publication status | Published - Dec 31 2019 |
Keywords
- Commercial banks
- digital banking
- product innovation
- 商業銀行
- 數位金融
- 產品創新
