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Households' use of digital banking

Author

Listed:
  • Davide Arnaudo

    (Bank of Italy)

  • Massimiliano Rigon

    (Bank of Italy)

  • Paola Rossi

    (Bank of Italy)

Abstract

This paper describes the factors affecting households' use of digital banking. The analysis relies on information from the Regional Bank Lending Survey on the supply of digital services by Italian banks and on data from the Survey on Household Income and Wealth regarding households' use of remote connections with banks. The use of digital channels is more widespread among households with greater economic resources and where the main income earner has a higher level of education and stronger financial and digital skills; conversely, it is negatively associated with the main income earner's age. The use of digital banking also increases among households whose relationship with the financial system is more complex (in terms of, e.g. having connections with multiple banks, investing in financial assets, or holding debt). Finally, some characteristics of the banks themselves (e.g. a more developed provision of digital services, or a more limited local branch network) are reflected in a broader recourse to remote interactions between intermediaries and customers.

Suggested Citation

  • Davide Arnaudo & Massimiliano Rigon & Paola Rossi, 2025. "Households' use of digital banking," Questioni di Economia e Finanza (Occasional Papers) 976, Bank of Italy, Economic Research and International Relations Area.
    • Handle: RePEc:bdi:opques:qef_976_25
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    Keywords

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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G41 - Financial Economics - - Behavioral Finance - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making in Financial Markets
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy

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