Observational analysis found bank digital transformation enhances financial performance in commercial banks, suggesting significant improvements in bank efficiency and profitability.
Key Points
Bank digital transformation significantly improves financial performance in commercial banks.
Data from Chinese commercial banks from 2011 to 2021 reveals that digital transformation drives better profitability.
Empirical fixed-effect regression analysis was employed to assess the impact of digital transformation on financial performance.
Improved bank efficiency, operational capacity, and profitability serve as mediators in the relationship between digital transformation and financial performance.