Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/293867 
Year of Publication: 
2019
Citation: 
[Journal:] Credit and Capital Markets – Kredit und Kapital [ISSN:] 2199-1235 [Volume:] 52 [Issue:] 3 [Year:] 2019 [Pages:] 295-321
Publisher: 
Duncker & Humblot, Berlin
Abstract: 
This paper investigates which socio-economic and demographic factors influence the demand for digital access to financial services. For this purpose, customer data from all public savings banks in Germany are linked with socio-economic and demographic data at regional level. As a result, attributes can be identified that promote a so-called informational divide. The risk of such a divide is comparatively high in rural, sparsely populated areas with a high average age of the population and in regions with a relatively low average formal education level. Here, people could lose access to basic financial services as a basis for economic and social participation as a result of ongoing digitisation.
Subjects: 
digital divide
informational divide
savings banks
regional comparison
financial services
digitalisation
JEL: 
L86
O33
R12
R20
R51
G21
L32
L38
Persistent Identifier of the first edition: 
Creative Commons License: 
cc-by Logo
Document Type: 
Article

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