@misc{publication-24305,
	address={London},
	author={Gao, Mingze and Huang, Yunying and Ongena, Steven and Wu, Eliza},
	month={DEC},
	note={https://cepr.org/voxeu/columns/banking-knowledge-technology-expertise-and-loan-costs},
	publisher={VoxEU, CEPR Policy Portal},
	title={Banking on knowledge: Technology expertise and loan costs},
	year=2023,
}