Descriptive statistics for all variables
| Variables | Items | M | SD |
|---|---|---|---|
| Process duration (15-point scale in half-day periods) | 1 | 7.3 | 3.86 |
| Number of securities (number of securities) | 1 | 1.52 | 0.57 |
| Contract creation automation (percentage slider) | 1 | 69.96 | 26.17 |
| Standardization (average index of four percentage sliders) | 4 | 83.61 | 13.89 |
| Resource utilization (calculated measure) | 0.2 | 0.18 | |
| Error frequency (percentage slider) | 1 | 36.76 | 21.65 |
| Contract creation duration (15-point scale in minutes) | 1 | 40.91 | 19.81 |
| Employee training (7-point Likert scale) | 1 | 5.39 | 1.25 |
| System discontinuities (number of used IT applications) | 1 | 2.22 | 1.29 |
| Variables | Items | M | SD |
|---|---|---|---|
| Process duration (15-point scale in half-day periods) | 1 | 7.3 | 3.86 |
| Number of securities (number of securities) | 1 | 1.52 | 0.57 |
| Contract creation automation (percentage slider) | 1 | 69.96 | 26.17 |
| Standardization (average index of four percentage sliders) | 4 | 83.61 | 13.89 |
| Resource utilization (calculated measure) | 0.2 | 0.18 | |
| Error frequency (percentage slider) | 1 | 36.76 | 21.65 |
| Contract creation duration (15-point scale in minutes) | 1 | 40.91 | 19.81 |
| Employee training (7-point Likert scale) | 1 | 5.39 | 1.25 |
| System discontinuities (number of used IT applications) | 1 | 2.22 | 1.29 |
| Binary variables | Yes | No | |
| Documentation | 251 | 45 | |
| Binary variables | Yes | No | |
| Documentation | 251 | 45 | |
| Categorical control variables | Frequency | ||
|---|---|---|---|
| Group | Cooperative banks | 208 | |
| Savings banks | 74 | ||
| Private banks | 14 | ||
| Total Assets | <500 million Euro | 80 | |
| 600 million to 1 billion Euro | 35 | ||
| 1.1 to 1.5 billion Euro | 35 | ||
| 1.6 to 10 billion Euro | 136 | ||
| 10.1 to 50 billion Euro | 16 | ||
| >50.1 billion Euro | 4 | ||
| Categorical control variables | Frequency | ||
|---|---|---|---|
| Group | Cooperative banks | 208 | |
| Savings banks | 74 | ||
| Private banks | 14 | ||
| Total Assets | <500 million Euro | 80 | |
| 600 million to 1 billion Euro | 35 | ||
| 1.1 to 1.5 billion Euro | 35 | ||
| 1.6 to 10 billion Euro | 136 | ||
| 10.1 to 50 billion Euro | 16 | ||
| >50.1 billion Euro | 4 | ||