压力测试银行的数字能力:来自COVID-19大流行的证据

Alan P. Kwan, Chen Lin, Vesa Pursiainen, Mingzhu Tai
{"title":"压力测试银行的数字能力:来自COVID-19大流行的证据","authors":"Alan P. Kwan, Chen Lin, Vesa Pursiainen, Mingzhu Tai","doi":"10.2139/ssrn.3694288","DOIUrl":null,"url":null,"abstract":"\n Banks’ information technology (IT) capabilities affect their ability to serve customers during the COVID-19 pandemic, which generates an unexpected and unprecedented shock that shifts banking services from in-person to digital. Amid mobility restrictions, banks with better IT experience larger reductions in physical branch visits and larger increases in website traffic, implying a larger shift to digital banking. Stronger IT banks are able to originate more Paycheck Protection Program loans to small business borrowers, especially in areas with more severe COVID-19 outbreaks, higher internet use, and higher bank competition. Those banks also attract more deposit flows and receive better mobile customer reviews during the pandemic.","PeriodicalId":20999,"journal":{"name":"Regulation of Financial Institutions eJournal","volume":"30 1","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2020-09-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"24","resultStr":"{\"title\":\"Stress Testing Banks' Digital Capabilities: Evidence from the COVID-19 Pandemic\",\"authors\":\"Alan P. Kwan, Chen Lin, Vesa Pursiainen, Mingzhu Tai\",\"doi\":\"10.2139/ssrn.3694288\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"\\n Banks’ information technology (IT) capabilities affect their ability to serve customers during the COVID-19 pandemic, which generates an unexpected and unprecedented shock that shifts banking services from in-person to digital. Amid mobility restrictions, banks with better IT experience larger reductions in physical branch visits and larger increases in website traffic, implying a larger shift to digital banking. Stronger IT banks are able to originate more Paycheck Protection Program loans to small business borrowers, especially in areas with more severe COVID-19 outbreaks, higher internet use, and higher bank competition. Those banks also attract more deposit flows and receive better mobile customer reviews during the pandemic.\",\"PeriodicalId\":20999,\"journal\":{\"name\":\"Regulation of Financial Institutions eJournal\",\"volume\":\"30 1\",\"pages\":\"\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2020-09-18\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"24\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Regulation of Financial Institutions eJournal\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2139/ssrn.3694288\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Regulation of Financial Institutions eJournal","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2139/ssrn.3694288","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 24

摘要

在2019冠状病毒病大流行期间,银行的信息技术(IT)能力会影响其为客户提供服务的能力,从而产生意想不到的前所未有的冲击,使银行服务从面对面转向数字化。在流动性受限的情况下,拥有更好IT的银行实体分行访问量大幅减少,网站流量大幅增加,这意味着向数字银行的更大转变。实力较强的IT银行能够向小企业借款人发放更多的工资保护计划贷款,特别是在COVID-19疫情更严重、互联网使用率更高、银行竞争更激烈的地区。在疫情期间,这些银行还吸引了更多的存款流量,并获得了更好的移动客户评价。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
查看原文
分享 分享
微信好友 朋友圈 QQ好友 复制链接
本刊更多论文
Stress Testing Banks' Digital Capabilities: Evidence from the COVID-19 Pandemic
Banks’ information technology (IT) capabilities affect their ability to serve customers during the COVID-19 pandemic, which generates an unexpected and unprecedented shock that shifts banking services from in-person to digital. Amid mobility restrictions, banks with better IT experience larger reductions in physical branch visits and larger increases in website traffic, implying a larger shift to digital banking. Stronger IT banks are able to originate more Paycheck Protection Program loans to small business borrowers, especially in areas with more severe COVID-19 outbreaks, higher internet use, and higher bank competition. Those banks also attract more deposit flows and receive better mobile customer reviews during the pandemic.
求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
自引率
0.00%
发文量
0
期刊最新文献
Did FinTech Lenders Facilitate PPP Fraud? Financial Reform and Public Good Provision: Municipal Bankruptcy Law and the Financing of Hospitals How Do Acquisitions Affect the Mental Health of Employees? Anti-Discrimination Insurance Pricing: Regulations, Fairness Criteria, and Models The Unintended Benefits of Increased Disclosure Frequency: Evidence from the Brokerage House Industry
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
现在去查看 取消
×
提示
确定
0
微信
客服QQ
Book学术公众号 扫码关注我们
反馈
×
意见反馈
请填写您的意见或建议
请填写您的手机或邮箱
已复制链接
已复制链接
快去分享给好友吧!
我知道了
×
扫码分享
扫码分享
Book学术官方微信
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术
文献互助 智能选刊 最新文献 互助须知 联系我们:info@booksci.cn
Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。
Copyright © 2023 Book学术 All rights reserved.
ghs 京公网安备 11010802042870号 京ICP备2023020795号-1