Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/302528 
Year of Publication: 
2024
Series/Report no.: 
24th Biennial Conference of the International Telecommunications Society (ITS): "New bottles for new wine: digital transformation demands new policies and strategies", Seoul, Korea, 23-26 June, 2024
Publisher: 
International Telecommunications Society (ITS), Calgary
Abstract: 
This paper carries out an exhaustive analysis of the implementation of e-banking in Spain, the impact of the reduction of bank branches and how both phenomena affect the elderly and the rural world. This allows us to take a picture of the user affected by the digital divide when using e-banking and to get to know them to support them in the digitisation process. The study is conducted by developing a logit model with random effects and a complete descriptive study of the panel data from the survey on equipment and use of information and communication technologies in households between 2017 and 2021, obtaining very important results: the fewer bank branches per thousand inhabitants, the greater the propensity to use e-banking, age and the development of e-skills are a differentiating factor in the adoption of e-banking services, a strong gender gap remains, there is no deep implementation of the other tools provided by digital banking. It is necessary to enhance the financial and online knowledge of individuals to maximise their usefulness in the use of digital banking services.
Subjects: 
traditional banking
online banking
consumers
survey data
econometric models
Document Type: 
Conference Paper

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