The impact of digital transformation of commercial banks on consumer finance

In the context of the digital economy and the rapid restructuring of financial business models driven by new productive forces, implementing digital transformation strategies has become a critical measure for commercial banks to enhance service efficiency and adjust credit systems. This study uses longitudinal data of Chinese commercial banks from 2011 to 2023 and employs text analysis methods for empirical research. By constructing an evaluation system for the degree of bank digitalization base