The new online banking consumer. An occasional user or a new full-time customer

Konferenzbeitrag

This paper studies the determinants of individuals' propensity to use electronic banking and the impact of the pandemic on that. We found that the variables with the greatest significant weight for participation are the variables of the Technology Acceptance Model (TAM). Furthermore, we observe changes in e-banking after the pandemic due to sociodemographic variables with increasing relevance of gender and income variables, indicating that the gender and economic digital divide has increased as well. The educational level variable has decreased, reducing the educational gap in the analysis of the digital divide. However, the most relevant variables are digital skills and frequency of internet use, which have a much stronger influence on e-banking adoption. Finally, based on the findings presented above and below, some policy recommendations are provided.

Angaben zum Objekt

• Sprache: Englisch

Verweise und Beziehungen

• Erschienen in: Series: 32nd European Conference of the International Telecommunications Society (ITS): "Realising the digital decade in the European Union – Easier said than done?", Madrid, Spain, 19th - 20th June 2023

Klassifikation und Themen

• Klassifikation: Wirtschaft
• Thema: traditional banking ; online banking ; consumers ; survey data ; econometric models

Beteiligte, Orts- und Zeitangaben

• Ereignis: Geistige Schöpfung
• (wer): Gijón, Covadonga ; Fernández-Bonilla, Fernando ; Ruíz-Rúa, Aurora
• Ereignis: Veröffentlichung
• (wer): International Telecommunications Society (ITS)
• (wo): Calgary
• (wann): 2023

Weitere Informationen

• Handle: http://hdl.handle.net/10419/277964
• Letzte Aktualisierung: 10.03.2025, 11:43 MEZ