Stress Testing Banks' Digital Capabilities: Evidence from the COVID-19 Pandemic.

التفاصيل البيبلوغرافية
العنوان:	Stress Testing Banks' Digital Capabilities: Evidence from the COVID-19 Pandemic.
المؤلفون:	Kwan, Alan¹ (AUTHOR) apkwan@hku.hk, Lin, Chen¹ (AUTHOR) chenlin1@hku.hk, Pursiainen, Vesa² (AUTHOR) vesa.pursiainen@unisg.ch, Tai, Mingzhu¹ (AUTHOR) taimzh@hku.hk
المصدر:	Journal of Financial & Quantitative Analysis. Sep2024, Vol. 59 Issue 6, p2618-2646. 29p.
مصطلحات موضوعية:	INFORMATION technology, BANKING industry, FINANCIAL stress tests, BANKING industry customer services, COVID-19 pandemic, BANK customers, *ECONOMIC shock
مستخلص:	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. [ABSTRACT FROM AUTHOR]
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قاعدة البيانات:	Business Source Index

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