Journal Article
How Banks’ Technology Spending Affects Performance
Abstract: Over the past two decades, banks have substantially increased their investment in information technology (IT) and data analytics. We estimate the dynamic relationship between IT spending and bank outcomes related to performance. We find that increased IT spending is associated with higher bank profits, increased income from deposit accounts, and lower loan default rates.
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https://www.kansascityfed.org/research/economic-bulletin/how-banks-technology-spending-affects-performance/
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Bibliographic Information
Provider: Federal Reserve Bank of Kansas City
Part of Series: Economic Bulletin
Publication Date: 2026-03-06
Pages: 4