Enterprise life cycle, financial technology and digital transformation of banks-Evidence from China

被引:8
作者
Zhu, Yongjie [1 ,2 ]
机构
[1] Gachon Univ, Coll Business, Seongnam Si, Gyeonggi Do, South Korea
[2] Gachon Univ, Coll Business, 1342 Seongnam Daero, Seongnam Si 13120, Gyeonggi Do, South Korea
关键词
age of enterprise listing; commercial banks; digital transformation; financial technology; monthly active users (MAUs); MARKET;
D O I
10.1111/1467-8454.12305
中图分类号
F [经济];
学科分类号
02 ;
摘要
Financial technology formed by the combination of digital technology and traditional finance is gradually changing the financial services model. The development of financial technology has influenced the behaviour of commercial banks. It has promoted the innovation of commercial banks. And it has promoted the digital transformation of commercial banks. In this paper, it is intended to explore the relationship between financial technology and digital transformation of banks through positive analysis. As well as to explore how the age of enterprises listed and enterprise life cycle affect the relationship between financial technology and digital transformation of banks. This paper conducts an empirical research on the data of China's A-share listed banks from 2011 to 2021 using a two-way fixed effects regression method. The results of the research indicate that financial technology promotes banks' digital transformation. Meanwhile, the age of enterprise listing and enterprise life cycle play a positive moderating role in financial technology promoting banks' digital transformation. In this paper, it is the first time to conduct an empirical research with the number of monthly active users of mobile banking as a proxy variable for digital transformation of banks, which enriches the study of financial technology. It has certain reference value for promoting digital transformation of banks.
引用
收藏
页码:486 / 500
页数:15
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