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Article: Stress Testing Banks’ Digital Capabilities: Evidence from the COVID-19 Pandemic
| Title | Stress Testing Banks’ Digital Capabilities: Evidence from the COVID-19 Pandemic |
|---|---|
| Authors | |
| Issue Date | 25-Sep-2023 |
| Publisher | Cambridge University Press |
| Citation | Journal of Financial and Quantitative Analysis, 2023 How to Cite? |
| Abstract | 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. |
| Persistent Identifier | http://hdl.handle.net/10722/337416 |
| ISSN | 2023 Impact Factor: 3.7 2023 SCImago Journal Rankings: 3.980 |
| DC Field | Value | Language |
|---|---|---|
| dc.contributor.author | Kwan, Alan | - |
| dc.contributor.author | Lin, Chen | - |
| dc.contributor.author | Pursiainen, Vesa | - |
| dc.contributor.author | Tai, Mingzhu | - |
| dc.date.accessioned | 2024-03-11T10:20:42Z | - |
| dc.date.available | 2024-03-11T10:20:42Z | - |
| dc.date.issued | 2023-09-25 | - |
| dc.identifier.citation | Journal of Financial and Quantitative Analysis, 2023 | - |
| dc.identifier.issn | 0022-1090 | - |
| dc.identifier.uri | http://hdl.handle.net/10722/337416 | - |
| dc.description.abstract | <p>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.<br></p> | - |
| dc.language | eng | - |
| dc.publisher | Cambridge University Press | - |
| dc.relation.ispartof | Journal of Financial and Quantitative Analysis | - |
| dc.rights | This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License. | - |
| dc.title | Stress Testing Banks’ Digital Capabilities: Evidence from the COVID-19 Pandemic | - |
| dc.type | Article | - |
| dc.identifier.doi | 10.1017/S0022109023000662 | - |
| dc.identifier.eissn | 1756-6916 | - |
| dc.identifier.issnl | 0022-1090 | - |