금융의 디지털화가 자산건전성과 뱅크런 위험에 미치는 영향에 대한 연구 : 저축은행의 모바일 앱을 중심으로

The study analyzes the impact of financial digitalization on the asset soundness and bank-run risk of savings banks. This study empirically examines how digitalization, particularly the expansion of mobile applications, affects asset soundness and bank-run risk in Korean savings banks. In recent years, savings bank have increasingly adopted mobile banking apps to attract customers and expand their non-face-to-face services. However, due to the characteristics of saving banks, which are heavily reliant on lending to medium- to low-credit borrowers and deposits, digitalization can led to a higher influx of vulnerable borrowers and potential asset deterioration. Furthermore, the ease of mobile-based withdrawals may amplify bank run risks during external crises. This research empirically examines the effects of digitalization on asset soundness and liquidity risks in savings banks, demonstrating that digital transformation can be a critical factor in risk management for financial institutions. Through this analysis, the study highlights the importance of stricter risk management strategies as financial institutions face the challenges posed by digital services expansion.