Chulalongkorn University Theses and Dissertations (Chula ETD)
Other Title (Parallel Title in Other Language of ETD)
ผลกระทบของการกำกับดูเเล การเปิดเสรีทางการเงิน เเละการยอมรับบริการธนาคารบนโทรศัพท์มือถือ ต่อการเกิดวิกฤตของธนาคาร: โดยใช้ข้อมูลระหว่างประเทศ
Year (A.D.)
2023
Document Type
Independent Study
First Advisor
Pornpitchaya Kuwalairat
Faculty/College
Faculty of Commerce and Accountancy (คณะพาณิชยศาสตร์และการบัญชี)
Department (if any)
Department of Banking and Finance (ภาควิชาการธนาคารและการเงิน)
Degree Name
Master of Science
Degree Level
Master's Degree
Degree Discipline
Finance
DOI
10.58837/CHULA.IS.2023.12
Abstract
This paper examines how financial liberalization, institutional quality, and mobile banking adoption affect the probability of a banking crisis using a panel of 36 countries over the period 2000 – 2021. Our key inference is that the relationship between financial liberalization and the probability of a banking crisis is depended in institutional quality. In strong institutional quality countries, the impact of financial liberalization on the probability of a banking crisis is a concave curve, increasing the likelihood of a crisis at low to moderate liberalization levels and reducing it at medium to high levels. Conversely, weak institutions do not exhibit an impact. Surprisingly, mobile banking adoption is associated with a decreased likelihood of a banking crisis, showing its benefits. Moreover, mobile banking adoption intensifies the impact of financial liberalization on the probability of a banking crisis only in countries with strong institutional quality. Additionally, in bank-based financial systems, mobile banking adoption can intensify the impact of financial liberalization on the probability of banking crises, aligning with the characteristics of centralized bank-based countries with commercial banks as intermediaries.
Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-No Derivative Works 4.0 International License.
Recommended Citation
Saengmaneenimitr, Napisa, "The impact of regulation, financial liberalization, and mobile banking on banking crises : evidence from cross-country data" (2023). Chulalongkorn University Theses and Dissertations (Chula ETD). 10030.
https://digital.car.chula.ac.th/chulaetd/10030