Digital transformation of commercial banks with innovative credit structure
Digital transformation is widely acknowledged as a pivotal factor in reducing banks’ marginal costs and enhancing the efficiency of credit risk management. Concurrently, it allows banks greater flexibility to adapt to shifts in market conditions, thereby optimizing adjustments to credit scale and st...
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| Main Authors: | , |
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| Format: | Article |
| Language: | English |
| Published: |
Elsevier
2025-05-01
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| Series: | Journal of Innovation & Knowledge |
| Subjects: | |
| Online Access: | http://www.sciencedirect.com/science/article/pii/S2444569X25000538 |
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