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.

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