IT adoption and bank performance during the Covid-19 pandemic

被引：41
|
作者：
Dadoukis, Aristeidis [1 ]
Fiaschetti, Maurizio [1 ]
Fusi, Giulia [1 ]
机构：
[1] Univ Nottingham, Nottingham Univ Business Sch, Global Ctr Banking & Financial Innovat, Nottingham NG8 1BB, England
来源：
ECONOMICS LETTERS | 2021年 / 204卷
关键词：
Covid-19; Banking; IT adoption; Technology; Bank performance; INFORMATION-TECHNOLOGY; RISK;
D O I：
10.1016/j.econlet.2021.109904
中图分类号：
F [经济];
学科分类号：
02 ;
摘要：
This paper examines the impact of pre-2020 information technology (IT) adoption on bank performance during the initial stages of the Covid-19 pandemic. We show that high IT adopters performed better in terms of market returns, Tobin's q and lending. Our findings also suggest that higher pre-crisis IT investments are associated with more loans issued under the US Paycheck Protection Program, and lower rates of loan modifications due to Covid-19. This study corroborates other recent findings that technology adoption fosters banks' resilience during crises, ultimately enhancing financial stability. (C) 2021 Elsevier B.V. All rights reserved.
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页数：4
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