How Digital Banking Affects Output and Performance at European Commercial Banks

數位金融如何影響歐洲商業銀行的產出和經營績效

林岳龍(Yueh-Lung Lin) ； 蕭育仁(Yu-Jen Hsiao) ； 陳冠臻(Kuan-Chen Chen) ； 林士傑(Shih-Jie Lin)

《財務金融學刊》 27卷4期 (2019/12) Pp. 89-110

https://doi.org/10.6545/JFS.201912_27(4).0004

摘要

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.

關鍵字

Commercial banks ； digital banking ； product innovation

並列摘要

我們收集550筆採用數位金融模式以及4,793筆尚未採用數位金融模式的商業銀行觀測值，比較兩群體在2009年至2013年期間，有關財務變化的表現。發現大型商業銀行和隸屬金控或集團都會明顯地提升銀行發展數位金融的可能性，我們也發現有發展數位金融模式的商業銀行可以對其獲利能力產生影響，而且實體分行和數位金融模式之間為互補關係。

並列關鍵字

商業銀行 ； 數位金融 ； 產品創新

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