Blockchain is one of the primary digital technologies utilised in the finance industry with huge future potential. This study conducts a systematic literature review of a final sample of 407 prior literature from an initial set of 1979 records for the sample period of 2013–2020 with regard to blockchain adoption in banking. This review is further supplemented by a machine learning based textual analysis that identifies key themes, trends, divergences and gaps between academic and practitioner led industry literature. Moreover, the study highlights present, future use cases, adoption barriers and misconceptions of blockchains in banking, especially given COVID-19. Furthermore, this study identifies behavioural, social, economic, regulatory and managerial implications of blockchain based banking. In addition, our study identifies the cross-industry potential of blockchains via banking, thus, linking much disconnected prior literature. Finally, we develop a blockchain adoption framework and an adoption life cycle for banking. This study would be of interest to academics, bankers, regulators, investors, auditors and other stakeholders in financial markets.

中文翻译：

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神奇的野兽：基于区块链的银行

区块链是金融业中使用的主要数字技术之一，具有巨大的未来潜力。这项研究针对2013年至2020年采样期间的1979年初始记录中的407个先前文献的最终样本进行了系统的文献回顾，涉及银行业采用区块链的情况。这篇评论进一步得到了基于机器学习的文本分析的补充，该文本分析确定了关键主题，趋势，学术和实践者主导的行业文献之间的差异和差距。此外，该研究突出了银行业中区块链的当前，未来使用案例，采用障碍和误解，特别是考虑到COVID-19的情况。此外，这项研究还确定了基于区块链的银行的行为，社会，经济，法规和管理意义。此外，我们的研究确定了通过银行业实现区块链的跨行业潜力，从而将许多相互联系的现有文献联系在一起。最后，我们为银行开发了区块链采用框架和采用生命周期。这项研究将吸引学者，银行家，监管机构，投资者，审计师和金融市场上的其他利益相关者。