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Models for individual adoption of eCommerce, eBanking and eGovernment in Spain

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  • Garín-Muñoz, Teresa
  • López, Rafael
  • Pérez-Amaral, Teodosio
  • Herguera, Iñigo
  • Valarezo, Angel

Abstract

This paper analyzes the adoption patterns of selected internet services such as eCommerce, eBanking and eGovernment in Spain. High quality official data from the Survey on Equipment and Use of Information and Communication Technologies in Households (ICT-H) of the National Institute of Statistics are used. The dataset is a cross section of 16,209 individuals for 2016. Theoretical demand models, grounded in a standard neoclassical utility maximization framework, are adapted to these services. Logistic regression techniques allow quantifying the impact of the socioeconomic characteristics of the individual on the adoption of each service. The resulting models are statistically significant and with a high predictive power. Age, education and levels of internet and computer skills are all significant in explaining the adoption of any of the three services; as are gender and income, but just for eCommerce and eBanking. Interestingly, the level of trust in internet is only significant to explain participation in eCommerce. Finally, policy recommendations are suggested, highlighting the desirability of using specific measures for the different socio-demographic groups and income strata.

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  • 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.
    • Handle: RePEc:eee:telpol:v:43:y:2019:i:1:p:100-111
    DOI: 10.1016/j.telpol.2018.01.002
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    1. William Villegas-Ch. & Santiago Criollo-C & Walter Gaibor-Naranjo & Xavier Palacios-Pacheco, 2022. "Analysis of Data from Surveys for the Identification of the Factors That Influence the Migration of Small Companies to eCommerce," Future Internet, MDPI, vol. 14(11), pages 1-22, October.
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    3. Cheng Cheng & Takanori Sakai & André Alho & Lynette Cheah & Moshe Ben-Akiva, 2021. "Exploring the Relationship between Locational and Household Characteristics and E-Commerce Home Delivery Demand," Logistics, MDPI, vol. 5(2), pages 1-13, May.
    4. Ariansyah, Kasmad & Sirait, Emyana Ruth Eritha & Nugroho, Badar Agung & Suryanegara, Muhammad, 2021. "Drivers of and barriers to e-commerce adoption in Indonesia: Individuals’ perspectives and the implications," Telecommunications Policy, Elsevier, vol. 45(8).
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    7. Pérez-Amaral, Teodosio & Valarezo, Angel & López, Rafael & Garín-Muñoz, Teresa & Herguera, Iñigo, 2020. "E-commerce by individuals in Spain using panel data 2008–2016," Telecommunications Policy, Elsevier, vol. 44(4).
    8. Lutete C. Ayikwa & Johan W. De Jager & Elizma M. Wannenburg, 2022. "Analyzing Demographic Clusters Behavior and Perceptions towards eBanking in Emerging Free-Market Economies South Africa and Ukraine," Eurasian Journal of Business and Management, Eurasian Publications, vol. 10(3), pages 190-201.
    9. Fernández-Bonilla, Fernando & Gijón, Covadonga & De la Vega, Bárbara, 2022. "E-commerce in Spain: Determining factors and the importance of the e-trust," Telecommunications Policy, Elsevier, vol. 46(1).
    10. Ángel Valarezo & Rafael López & Teodosio Pérez-Amaral, 2019. "Adoption of e-commerce by individuals and digital divide: Evidence from Spain," Documentos de Trabajo del ICAE 2019-19, Universidad Complutense de Madrid, Facultad de Ciencias Económicas y Empresariales, Instituto Complutense de Análisis Económico.
    11. Teresa Garín-Muñoz & Teodosio Pérez-Amaral & Rafael López, 2020. "Consumer engagement in e-Tourism: Micro-panel data models for the case of Spain," Tourism Economics, , vol. 26(6), pages 853-872, September.
    12. Martínez-Domínguez, Marlen & Mora-Rivera, Jorge, 2020. "Internet adoption and usage patterns in rural Mexico," Technology in Society, Elsevier, vol. 60(C).
    13. López, Rafael & Valarezo, Ángel & Pérez-Amaral, Teodosio, 2023. "Unleashing the potential of online learning in Spain: An econometric analysis," Telecommunications Policy, Elsevier, vol. 47(6).
    14. Valarezo, Ángel & Pérez-Amaral, Teodosio & Garín-Muñoz, Teresa & Herguera García, Iñigo & López, Rafael, 2018. "Drivers and barriers to cross-border e-commerce: Evidence from Spanish individual behavior," Telecommunications Policy, Elsevier, vol. 42(6), pages 464-473.
    15. Adeoluwa Akande & Pedro Cabral & Sven Casteleyn, 2019. "Assessing the Gap between Technology and the Environmental Sustainability of European Cities," Information Systems Frontiers, Springer, vol. 21(3), pages 581-604, June.
    16. Pérez-Amaral, Teodosio & Valarezo, Angel & López, Rafael & Garín-Muñoz, Teresa, 2021. "Digital divides across consumers of internet services in Spain using panel data 2007–2019. Narrowing or not?," Telecommunications Policy, Elsevier, vol. 45(2).
    17. Martínez-Domínguez, Marlen & Fierros-González, Isael, 2022. "Determinants of internet use by school-age children: The challenges for Mexico during the COVID-19 pandemic," Telecommunications Policy, Elsevier, vol. 46(1).
    18. 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).
    19. Luisa Fernanda Rodriguez-Hevía & Julio Navío-Marco & Luis Manuel Ruiz-Gómez, 2020. "Citizens’ Involvement in E-Government in the European Union: The Rising Importance of the Digital Skills," Sustainability, MDPI, vol. 12(17), pages 1-19, August.
    20. Suárez, David & García-Mariñoso, Begoña, 2021. "Does ad blocking have an effect on online shopping?," Telecommunications Policy, Elsevier, vol. 45(3).
    21. Garín-Muñoz, Teresa & Pérez-Amaral, Teodosio & Valarezo, Ángel, 2022. "Evolution of the internet gender gaps in Spain and effects of the Covid-19 pandemic," Telecommunications Policy, Elsevier, vol. 46(8).
    22. Vicente, María Rosalía, 2022. "ICT for healthy and active aging: The elderly as first and last movers," Telecommunications Policy, Elsevier, vol. 46(3).

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