How Long to Read The Anatomy of Banks’ IT Investments: Drivers and Implications

How Long Does it Take to Read The Anatomy of Banks’ IT Investments: Drivers and Implications?

It takes the average reader 1 hour and 6 minutes to read The Anatomy of Banks’ IT Investments: Drivers and Implications by Kosha Modi

Assuming a reading speed of 250 words per minute. Learn more

Description

This paper relies on administrative data to study determinants and implications of US banks’ Information Technology (IT) investments, which have increased six-fold over two decades. Large and small banks had similar IT expenses a decade ago. Since then, large banks sharply increased their spending, especially those which were more exposed to competition from fintech lenders. Other local-level and bank-level factors, such as county income and bank income sources, also contribute to explain the heterogeneity in IT investments. Analysis of the mortgage market reveals that fintechs’ lending behavior is more similar to that of non-bank financial intermediaries rather than IT-savvy banks, suggesting that factors other than technology are responsible for the differences between banks and other lenders. However, both IT-savvy banks and fintech lend to lower income borrowers, pointing towards benefits for financial inclusion from higher IT adoption. Banks’ IT investments are also shown to matter for the responsiveness of bank lending to monetary policy.

How long is The Anatomy of Banks’ IT Investments: Drivers and Implications?

The Anatomy of Banks’ IT Investments: Drivers and Implications by Kosha Modi is 65 pages long, and a total of 16,575 words.

This makes it 22% the length of the average book. It also has 20% more words than the average book.

How Long Does it Take to Read The Anatomy of Banks’ IT Investments: Drivers and Implications Aloud?

The average oral reading speed is 183 words per minute. This means it takes 1 hour and 30 minutes to read The Anatomy of Banks’ IT Investments: Drivers and Implications aloud.

What Reading Level is The Anatomy of Banks’ IT Investments: Drivers and Implications?

The Anatomy of Banks’ IT Investments: Drivers and Implications is suitable for students ages 8 and up.

Note that there may be other factors that effect this rating besides length that are not factored in on this page. This may include things like complex language or sensitive topics not suitable for students of certain ages.

When deciding what to show young students always use your best judgement and consult a professional.

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