International Research Journal of Innovations in Engineering and Technology - IRJIET International Open Access, Monthly, Peer Reviewed, Reputed Journal ISSN (online): 2581-3048

Impact Factor (2025): 6.9

DOI Prefix: 10.47001/IRJIET

Cloud Computing on the Digital Solution to the Future of Banking

Abstract

This study looks at how banks' strategic use of cloud computing affected their performance and risk-taking. We find that banks' adoption of cloud computing is associated with worse cost efficiency, higher profit efficiency, and increased operational risk using data on Chinese banks from 2008-2019 and a new measure of banks' exposure to cloud computing. Cloud computing enhances operational risk control and cost efficiency through synergy, while blockchain diminishes profit efficiency owing to substitutive effects. This is only one example of how cloud computing interacts with other new technologies. These results have real-world implications for policymakers, regulators, and bank managers at this critical juncture.

Country : USA

1 Siva Hari Naga Shashank Varagani

  1. Independent Researcher, Staff Software Engineer, Florida, USA

IRJIET, Volume 9, Issue 12, December 2025 pp. 218-230

doi.org/10.47001/IRJIET/2025.912034

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