Cheng, MaoyongQu, YangJiang, ChunxiaZhao, Chenchen2022-09-272022-09-272022-12Cheng, M, Qu, Y, Jiang, C & Zhao, C 2022, 'Is cloud computing the digital solution to the future of banking?', Journal of Financial Stability, vol. 63, 101073. https://doi.org/10.1016/j.jfs.2022.1010731572-3089ORCID: /0000-0003-2200-4486/work/119825788https://hdl.handle.net/2164/19229Acknowledgment: We express our thanks to the editors and anonymous referees for their constructive comments and suggestions, which have helped us significantly improve this paper. We have benefitted from discussions with colleagues and participants of different seminars/workshops in China and the UK. All remaining errors are our own. This research is financially supported by the Natural Science Foundation of China (72173036, 71973148) and the Chinese National Funding of Social Sciences (19CJY065).201133699engClouds computingbank efficiencytechnical synergyChinaHG FinanceSupplementary DataHGJournal article10.1016/j.jfs.2022.10107363