Publication : The Paradox of Progress: Technological Advancements in Banking and the Dual Impact on SME Bank Borrowing
Bank technological innovations have a greater impact on the long-term borrowing of small and medium-sized enterprises than on short-term borrowing. This publication delve into the impact of technological bank innovations on small and medium-sized enterprise (SME) borrowing across the European Union. By analyzing a comprehensive dataset of 179,921 SME-bank lending relationships from 2009 to 2019,…
