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The findings reveal that digital transformation in banking manifestly suppresses managerial overconfidence in borrowing companies. The boosted information gathering capabilities and strengthened supervision by banks, coupled with improved debt governance effects, contribute to curbing managerial overconfidence. Furthermore, the inhibitory effect of digital transformation on managerial overconfidence is more pronounced in highly digitized companies and private companies. The theoretical analysis in this study sheds light on the mechanisms through which digital transformation in banking influences managerial overconfidence and provides policy implications for mitigating the negative consequences of excessive managerial confidence by promoting digital transformation.<\/jats:p>","DOI":"10.1177\/14727978251326118","type":"journal-article","created":{"date-parts":[[2025,3,11]],"date-time":"2025-03-11T19:43:36Z","timestamp":1741722216000},"page":"3740-3750","update-policy":"https:\/\/doi.org\/10.1177\/sage-journals-update-policy","source":"Crossref","is-referenced-by-count":0,"title":["Can digital transformation in banking restrain managerial overconfidence?\u2014 Evidence from listed companies"],"prefix":"10.66113","volume":"25","author":[{"given":"Fenfen","family":"Ma","sequence":"first","affiliation":[{"name":"School of Management, Yulin University, Yulin, China"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Xin","family":"Li","sequence":"additional","affiliation":[{"name":"School of Management, Yulin University, Yulin, China"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-7080-3031","authenticated-orcid":false,"given":"Shah","family":"Fahad","sequence":"additional","affiliation":[{"name":"Business School, University of Jinan, Jinan, China"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Yachen","family":"Shen","sequence":"additional","affiliation":[{"name":"School of Equipment Management and Unmanned Aerial Vehicle Engineering, Air Force Engineering University, Xi\u2019an, China"}],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"55691","published-online":{"date-parts":[[2025,3,11]]},"reference":[{"key":"e_1_3_3_2_2","doi-asserted-by":"publisher","DOI":"10.1086\/296325"},{"key":"e_1_3_3_3_2","doi-asserted-by":"publisher","DOI":"10.1016\/j.jeconbus.2007.04.002"},{"issue":"6","key":"e_1_3_3_4_2","first-page":"1405","article-title":"The theoretical model of differential information in overconfidentce","volume":"32","author":"Shen ZQ","year":"2009","unstructured":"Shen ZQ, Dong Y, Yu GL. 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