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Bank maturity, income diversification, and bank stability
Journal of Business Economics and Management ( IF 2.596 ) Pub Date : 2021-10-29 , DOI: 10.3846/jbem.2021.15324
Małgorzata Dziembała 1 , Sylwia Talar 1
Affiliation  

The aim of the paper is to answer the overriding question what is the role of ICT in implementation of smart specialization (SS) in EU regions (NUTS2 level)? This role can be dual and ICT is considered in this study both as an invention which has led to the emergence of new sector, and from the perspective of general purpose technology (GPT) properties where ICT plays the role of input in innovation process. There are used following methods and techniques: desk research, descriptive statistical analysis, the correlation measure and Hellwig’s method of taxonomic analysis. The main findings indicate that in practice SS in ICT is not focused on development ICT as invention and is not based on readiness to usage of ICT as GPT. However, the abilities of regions to take advantage of ICT as a driver of innovation (as GPT) are materially related to specialization in the ICT sector (development ICT as invention). The findings bring some improvements by evidence-based policy making. The research contribute to the better understanding of the innovation determinants during digital transformation and especially the base of specialization in ICT as GPT under SS assumptions.

中文翻译:

银行期限、收入多元化和银行稳定性

本文的目的是回答最重要的问题,ICT 在欧盟地区(NUTS2 级别)实施智能专业化 (SS) 中的作用是什么?这一角色可以是双重的,在本研究中,ICT 被认为是一项导致新部门出现的发明,以及从 ICT 在创新过程中发挥输入作用的通用技术 (GPT) 属性的角度。使用了以下方法和技术:案头研究、描述性统计分析、相关性测量和 Hellwig 的分类分析方法。主要调查结果表明,在实践中,ICT 中的 SS 并不专注于将 ICT 作为发明来开发,也不是基于将 ICT 用作 GPT 的准备情况。然而,各地区利用 ICT 作为创新驱动力(如 GPT)的能力与 ICT 领域的专业化(作为发明的发展 ICT)密切相关。这些发现通过基于证据的政策制定带来了一些改进。该研究有助于更好地理解数字化转型过程中的创新决定因素,尤其是在 SS 假设下作为 GPT 的 ICT 专业化基础。
更新日期:2021-10-29
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