Digital transformation – why do some significant banks fall behind?

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Series Details PE 689.440
Publication Date June 2021
ISBN 978-92-846-8317-8
EC QA-02-21-829-EN-N
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This paper shows that larger banks and better capitalised banks invest more in computer software. These findings could reflect that larger banks can attain greater benefits from computer software and that better capitalised banks have more resources to make larger software investments. All the same, smaller and less capitalised banks will also have to make substantial software investments to maintain sustainable businesses, something that supervisors will need to point that out to these banks.

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This document was provided by the Economic Governance Support Unit at the request of the ECON Committee.

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