The Relationship Dilemma: Why Do Banks Differ in the Pace at Which They Adopt New Technology?

Abstract India introduced credit scoring technology in 2007. We study its adoption by the two main types of banks operating there: new private banks (NPBs) and state-owned public sector banks (PSBs). Soon after the technology is introduced, NPBs start checking the credit scores of most borrowers bef...

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Veröffentlicht in:	The Review of financial studies 2022-06, Vol.35 (7), p.3418-3466
Hauptverfasser:	Mishra, Prachi, Prabhala, Nagpurnanand, Rajan, Raghuram G
Format:	Artikel
Sprache:	eng
Schlagworte:	2006-2015 Indien Innovationsdiffusion Kreditwürdigkeit Private Banking Öffentliche Bank
Online-Zugang:	Volltext
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