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Social networks and technology adoption: Evidence from online banking

Author

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  • Chen, Qi
  • Samaniego, Roberto M.

Abstract

Demand provides an essential incentive for innovation, but how the demand for a new good or service develops is unclear. We ask whether social networks are a factor contributing to the development of the demand for innovations. Using the example of online banking, we find that online banking services spread from early-adopting counties to counties that are connected to them via social networks. The findings underline the importance of understanding how information about innovations generates the demand that encourages their diffusion - including the technological innovations that support financial innovation.

Suggested Citation

  • Chen, Qi & Samaniego, Roberto M., 2026. "Social networks and technology adoption: Evidence from online banking," Research Policy, Elsevier, vol. 55(7).
    • Handle: RePEc:eee:respol:v:55:y:2026:i:7:s0048733326000934
    DOI: 10.1016/j.respol.2026.105502
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    Keywords

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    JEL classification:

    • D83 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Search; Learning; Information and Knowledge; Communication; Belief; Unawareness
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L14 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Transactional Relationships; Contracts and Reputation
    • O31 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Innovation and Invention: Processes and Incentives
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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