We construct a novel panel dataset on insider ownership for about 600 U.S. bank holding companies from 2003 to 2014 and evaluate whether ownership structure influences banks' equity composition and recapitalization decisions around the Global Financial Crisis (GFC). Before the crisis, banks with...

Purpose The research examines the Twitter (X) accounts of 20 retail banks in the USA, selected from the Top 100 banks on Twitter, over the period of 2012-2022, focusing on consumer reactions to posts. By analysing 136,150 tweets, the study aims to explore how banks utilize Twitter, and examine...

The functioning of the banking sector is key for economic growth. In this paper, we first gather banks' balance sheet monthly regulatory information in a consistent manner for seven Latin American countries. Second, we estimate lending markups and deposits markdowns in each country over time....

We investigate the emergence of the Vienna Initiative (VI) as a public-private partnership established in response to the global financial crisis, and assess its short-term impact on the risk metrics of Western European banks. Our findings suggest that negative herding behavior toward certain...

This study provides a comprehensive bibliometric analysis of FinTech research spanning from 1968 to 2025, using 2760 articles indexed in the Web of Science database. It aims to uncover major publication trends, core theoretical frameworks, emerging topics, and the intellectual structure of...

This study investigates the strategies employed by commercial banks during their digital transformation, particularly regarding the integration of Industry 4.0 technologies. A systematic literature review of 287 articles was conducted to identify strategies at micro, meso, and macro levels. At...

The Latvian banking sector presents a policy and institutional puzzle: it maintains high loan interest rates despite low loan-to-deposit ratios and limited lending activity within the European Union. Anchored in credit rationing theory, this study investigates the institutional, regulatory, and...

This study aims to understand the implementation of artificial intelligence (AI)-enabled technology in banking from a user perspective. For this purpose, we examine customer intention to adopt ChatGPT (Generative Pretrained Transformer) in performing banking services. To assess the study...

Geographic expansion negatively impacts bank outcomes during recessions. While increases in average bank-to-branch distance for a given bank have a small positive impact on bank performance, increases in average bank-to-branch distance across all banks negatively impact performance as a result...

Much of the economic analysis of banking crises focuses on the interplay between concentration and stability. A common theory is that concentration is associated with greater stability, whereas competition is associated with instability. In this view, there is a trade-off between, on the one...

Recognizing the growing importance of gender diversity in corporate governance, this study delves into the impact of women directors' attributes on earnings management. Focusing on listed banks in the Indonesia Stock Exchange, we hand-collect women directors' profiles from 2017 to 2021. Notably,...

We show that public guaranteed loans (PGL) increase credit availability improving real effects, but private banks' incentives imply that weaker banks shift riskier corporate loans to taxpayers. We exploit credit register data during the COVID-19 shock in Spain, and a stylized model guides the...

In the data envelopment analysis (DEA) literature, productivity change captured by the Malmquist productivity index, especially in terms of a deterministic environment and stochastic variability in inputs and outputs, has been somewhat ignored. Therefore, this study developed a frm-specifc,...