Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/277964 
Year of Publication: 
2023
Series/Report no.: 
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
Publisher: 
International Telecommunications Society (ITS), Calgary
Abstract: 
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.
Subjects: 
traditional banking
online banking
consumers
survey data
econometric models
Document Type: 
Conference Paper

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