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The long-term effect of digital innovation on bank performance : an empirical study of SWIFT adoption in financial services

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Scott, Susan V., Van Reenen, John and Zachariadis, Markos (2017) The long-term effect of digital innovation on bank performance : an empirical study of SWIFT adoption in financial services. Research Policy, 46 (5). pp. 984-1004. doi:10.1016/j.respol.2017.03.010

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Official URL: http://dx.doi.org/10.1016/j.respol.2017.03.010

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Abstract

We examine the impact on bank performance of the adoption of SWIFT, a network-based technological infrastructure and set of standards for worldwide interbank telecommunication. We construct a new longitudinal dataset of 6848 banks in 29 countries in Europe and the Americas with the full history of adoption since SWIFT’s initial operations in 1977. Our results suggest that the adoption of SWIFT (i) has large effects on profitability in the long-term; (ii) these profitability effects are greater for small than for large banks; and (iii) exhibits significant network effects on performance. We use an in-depth field study to better understand the mechanisms underlying the effects on profitability.

Item Type: Journal Article
Divisions: Faculty of Social Sciences > Warwick Business School
Journal or Publication Title: Research Policy
Publisher: Elsevier
ISSN: 0048-7333
Official Date: June 2017
Dates:
DateEvent
June 2017Published
6 April 2017Available
20 March 2017Accepted
Date of first compliant deposit: 8 June 2017
Volume: 46
Number: 5
Page Range: pp. 984-1004
DOI: 10.1016/j.respol.2017.03.010
Status: Peer Reviewed
Publication Status: Published
Access rights to Published version: Open Access

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