How Does Artificial Intelligence Reshape Bank Profitability in China?—Evidence from a Multi-Period Difference-in-Differences Model

Artificial intelligence (AI) has become an integral driver of digital transformation in the banking sector, fundamentally influencing operational efficiency, resource allocation, and profitability. This study investigates how AI adoption affects the profitability of Chinese commercial banks and thro...

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Главные авторы:	Xiaoli Li, Dongsheng Zhang, Na Zeng, Defeng Meng
Формат:	Artigo
Язык:	Inglês
Опубликовано:	MDPI AG 2026-02-01
Серии:	International Journal of Financial Studies
Предметы:	artificial intelligence digital transformation financial services resource allocation deposit–loan turnover adaptability multi-business capital allocation efficiency
Online-ссылка:	https://www.mdpi.com/2227-7072/14/2/39
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