金融科技如何影响台湾的银行效率?
1School of Economics and Management, Hubei Polytechnic University, Hubei, China.
PloS one
|August 7, 2023
概括
金融技术 (fintech) 举措影响台湾的银行效率. 虽然移动支付有所改善,但总体而言,金融科技的采用并没有显著提高银行业绩,这表明IT生产力悖论.
科学领域:
- 银行和金融技术 银行和金融技术
- 商业和管理的管理.
背景情况:
- 金融技术 (金融科技) 越来越多地融入银行业务.
- 金融科技在提高银行可持续性和效率方面的作用是一个日益增长的研究领域.
- 台湾的银行业为研究金融科技的影响提供了相关的背景.
研究的目的:
- 调查金融科技对台湾银行效率的影响.
- 分析金融科技举措如何影响银行利能力和降低成本.
- 确定金融科技采用对银行整体业绩的影响程度.
主要方法:
- 使用了参数和非参数分析方法.
- 检查了从2007年到2020年跨越台湾银行业的数据.
- 专注于金融技术相关的举措,包括移动支付系统.
主要成果:
- 金融科技举措对银行效率产生了影响,并有可能直接或间接改善.
- 发现移动支付系统,一个特定的金融技术应用程序,在有限程度上提高了银行效率.
- 总的来说,该研究表明,金融技术的采用并没有导致银行效率的显著改善.
结论:
- 金融科技目前对台湾银行效率的影响并不显著.
- 调查结果表明,与银行业的IT投资相关的潜在"生产率悖论".
- 需要进一步的研究才能充分理解金融科技在银行可持续性和效率方面的长期作用.
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