Internet banking: A new digital divide between the European regions?
Entity
UAM. Departamento de Economía Aplicada; UAM. Departamento de Estructura Económica y Economía del DesarrolloPublisher
RoutledgeDate
2021-11-30Citation
10.4324/9781003199076-1
Lera López, Fernando; Marco, Rocío; Billón, Margarita. Internet banking: A new digital divide between the European regions? The Digital Disruption Of Financial Services: International Perspectives. Eds. Ewa Lechman, Adam Marszk. Abingdon, Oxon: Routledge, 2021. 1-33
ISBN
9781032057699 (print); 9781003199076 (online)DOI
10.4324/9781003199076-1Subjects
EconomíaNote
This is an Accepted Manuscript of a book chapter published by Routledge/CRC Press in The Digital Disruption of Financial Services: International Perspectives, on 30-11-2021, available online: https://www.routledge.com/The-Digital-Disruption-of-Financial-Services-International-Perspectives/Lechman-Marszk/p/book/9781032057682Rights
© 2021 RoutledgeAbstract
The purpose of this chapter is to develop a regional approach for studying internet banking use (IBU) rates in Europe. To that aim, we analyse IBU in 244 European regions in 2019, considering the role played by technological, economic, social, and demographic factors. First, we apply a clustering technique to create a taxonomy of three groups of regions according to their levels of IBU: low, middle, and high levels of IBU. The results show great heterogeneity between European regions. Second, applying a multinomial logistic regression, we obtain that apart from Information and Communication Technologies (ICT), infrastructure, economic variables, and education level are the main predictors to explain internet banking diffusion. These findings may contribute to a better understanding of the European regional internet baking divides and the variety of socio-economic factors that may explain them. We contribute to the literature, first, because we provide a characterization of the European region in terms of internet banking adoption; and second, because we identify the regional determinants that explain this taxonomy
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Google Scholar:Lera López, Fernando
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Marco Crespo, Rocío
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Billón Currás, Margarita
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