Digital transformation – why do some significant banks fall behind?

Abstract:

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.

Further information:

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

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