Digital Transformation of Commercial Banks: A Review of Literature
DOI:
https://doi.org/10.54691/zz3qyy79Keywords:
Digital Economy; Digital Transformation; Commercial Bank.Abstract
The development of the digital economy has brought unprecedented opportunities and challenges to commercial banks. On the one hand, the application of digital technology in the banking industry shows great potential, and its effect on raising business ceilings and saving costs exceeds other types of transformation strategies. On the other hand, it also raises new research topics for data security and privacy protection. Following the logical framework of "connotation identification-antecedent identification-subject characteristics-economic effects", this study systematically sorts out the relevant research results of digital transformation of commercial banks, specifically covering the connotation definition of digital transformation, the selection and calculation of indicators, the preconditions and characteristics of digital transformation of banks, and the impact of digital transformation on bank operation and management, aiming to provide reference for the theoretical and practical research on the digital development of commercial banks.
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