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September 10, 2025

Research on the Impact of Digitalization on Risk Taking in Commercial Banks

Puntos clave

Digital transformation significantly reduces commercial banks' risk taking due to enhanced efficiency.
The study found a notable decrease in risk taking among banks during digitalization with improved management practices.
Empirical examination of 131 commercial banks from 2010 to 2023 highlights the implications of digital transformation.
Improved operational efficiency and lower management costs are key factors in reducing bank risk taking.

Resumen

Commercial banks are confronted with both tremendous opportunities and formidable challenges as a result of the digital transformation, given the swift growth of the digital economy and the advancement of financial technology.This paper selects 131 commercial banks as research samples from 2010 to 2023, and empirically examines the effect of digital transformation on bank risk-taking and its path. It is found that digital transformation of commercial banks can significantly reduce banks' risk taking. The mediation mechanism test shows that commercial bank digital transformation reduces bank risk-taking mainly by improving bank operational efficiency and reducing bank management costs.

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Cite This Study

Zhang et al. (Fri,) studied this question.

synapsesocial.com/papers/68c1c9dd54b1d3bfb60f30b4 https://doi.org/https://doi.org/10.54254/2754-1169/2025.bj24719

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