@article{4cc2fcaf4c0345b8a70f2898ff78175b,
title = "How Digital Banking Affects Output and Performance at European Commercial Banks",
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.",
keywords = "Commercial banks, digital banking, product innovation, 商業銀行, 數位金融, 產品創新",
author = "Yueh-Lung Lin and Yu-Jen Hsiao and Kuan-Chen Chen and Shih-Jie Lin",
year = "2019",
month = dec,
day = "31",
doi = "10.6545/JFS.201912_27(4).0004",
language = "English",
volume = "27",
pages = "89--110",
journal = "財務金融學刊",
issn = "1022-2898",
publisher = "臺灣財務金融學會",
number = "4",
}
