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The new online banking consumer. An occasional user or a new full-time customer

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  • Gijón, Covadonga
  • Fernández-Bonilla, Fernando
  • Ruíz-Rúa, Aurora

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.

Suggested Citation

  • Gijón, Covadonga & Fernández-Bonilla, Fernando & Ruíz-Rúa, Aurora, 2023. "The new online banking consumer. An occasional user or a new full-time customer," 32nd European Regional ITS Conference, Madrid 2023: Realising the digital decade in the European Union – Easier said than done? 277964, International Telecommunications Society (ITS).
    • Handle: RePEc:zbw:itse23:277964
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    References listed on IDEAS

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    1. Garín-Muñoz, Teresa & López, Rafael & Pérez-Amaral, Teodosio & Herguera, Iñigo & Valarezo, Angel, 2019. "Models for individual adoption of eCommerce, eBanking and eGovernment in Spain," Telecommunications Policy, Elsevier, vol. 43(1), pages 100-111.
    2. Malaquias, Rodrigo F. & Hwang, Yujong, 2019. "Mobile banking use: A comparative study with Brazilian and U.S. participants," International Journal of Information Management, Elsevier, vol. 44(C), pages 132-140.
    3. Viswanath Venkatesh & Fred D. Davis, 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science, INFORMS, vol. 46(2), pages 186-204, February.
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    Keywords

    traditional banking; online banking; consumers; survey data; econometric models;
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