DOES BANK TECHNOLOGY AFFECT SMALL BUSINESS LENDING DECISIONS?
研究了银行技术对软信息贷款的影响，发现后台技术和交互式网络技术越先进，银行越少依赖软信息贷款，竞争、贷款决策和银行规模是技术发展的主要驱动因素。
Abstract I examine the effect that technology has on soft‐information lending and address issues within the banking literature on quantifying bank technology. I find that banks engage in less soft‐information lending when back‐office bank technology is more productive and that banks engage in less soft‐information lending when they own interactive web technology. I find that competition, lending decisions, and bank size are the primary drivers of technological development. I show that these results are robust to econometric tests that account for endogeneity, to an alternative definition of the bank's size, and to the inclusion of lending portfolio controls.