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We study no matter whether technologies deployed in financial institutions’ consumer-going through capabilities improve their power to produce details about potential macroeconomic conditions. Even though mainly adopted to boost customer engagement, these technologies, for instance Net analytics and behavioral tracking software package, permit financial institutions to gather well timed and granular details from the broad base of shoppers that tell assessments of community economic situations. Employing a novel evaluate of customerfacing technology adoption derived from financial institutions’ Web-site supply code, we find that banking institutions with bigger adoption create loan loss provisions that happen to be much more instructive about potential regional economic activity.
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