IDEAS home Printed from https://ideas.repec.org/p/zbw/itse23/277964.html
   My bibliography  Save this paper

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

Author

Listed:
  • 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
    as

    Download full text from publisher

    File URL: https://www.econstor.eu/bitstream/10419/277964/1/Gijon-et-al.pdf
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    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.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. 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.
    2. 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).
    3. 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.
    4. Martínez-de-Ibarreta, Carlos & Ruiz-Rua, Aurora & Gijón, Covadonga & Fernández-Bonilla, Fernando, 2024. "The actually online banking consumer," 24th ITS Biennial Conference, Seoul 2024. New bottles for new wine: digital transformation demands new policies and strategies 302528, International Telecommunications Society (ITS).
    5. Josep Maria Raya & Claudia Vargas, 2022. "How to become a cashless economy and what are the determinants of eliminating cash," Journal of Applied Economics, Taylor & Francis Journals, vol. 25(1), pages 543-562, December.
    6. 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).
    7. Saeideh Sharifi fard & Ezhar Tamam & Md Salleh Hj Hassan & Moniza Waheed & Zeinab Zaremohzzabieh, 2016. "Factors affecting Malaysian university students’ purchase intention in social networking sites," Cogent Business & Management, Taylor & Francis Journals, vol. 3(1), pages 1182612-118, December.
    8. Chou, Jui-Sheng & Gusti Ayu Novi Yutami, I, 2014. "Smart meter adoption and deployment strategy for residential buildings in Indonesia," Applied Energy, Elsevier, vol. 128(C), pages 336-349.
    9. Philippe Cohard, 2020. "Information Systems Values: A Study of the Intranet in Three French Higher Education Institutions," Post-Print hal-02987225, HAL.
    10. Melih Engin & Fatih Gürses, 2019. "Adoption of Hospital Information Systems in Public Hospitals in Turkey: An Analysis with the Unified Theory of Acceptance and Use of Technology Model," International Journal of Innovation and Technology Management (IJITM), World Scientific Publishing Co. Pte. Ltd., vol. 16(06), pages 1-19, October.
    11. Morosan, Cristian, 2016. "An empirical examination of U.S. travelers’ intentions to use biometric e-gates in airports," Journal of Air Transport Management, Elsevier, vol. 55(C), pages 120-128.
    12. Abdesamad Zouine & Pierre Fenies, 2014. "The Critical Success Factors Of The ERP System Project: A Meta-Analysis Methodology," Post-Print hal-01419785, HAL.
    13. Talukder, Md. Shamim & Sorwar, Golam & Bao, Yukun & Ahmed, Jashim Uddin & Palash, Md. Abu Saeed, 2020. "Predicting antecedents of wearable healthcare technology acceptance by elderly: A combined SEM-Neural Network approach," Technological Forecasting and Social Change, Elsevier, vol. 150(C).
    14. Sarv Devaraj & Robert F. Easley & J. Michael Crant, 2008. "Research Note ---How Does Personality Matter? Relating the Five-Factor Model to Technology Acceptance and Use," Information Systems Research, INFORMS, vol. 19(1), pages 93-105, March.
    15. Claudio Vitari & Elisabetta Raguseo, 2016. "Big data value and financial performance: an empirical investigation [Digital data, dynamic capability and financial performance: an empirical investigation in the era of Big Data]," Post-Print halshs-01923271, HAL.
    16. Chen-Yuan Chen & Bih-Yaw Shih & Shih-Hsien Yu, 2012. "Disaster prevention and reduction for exploring teachers’ technology acceptance using a virtual reality system and partial least squares techniques," Natural Hazards: Journal of the International Society for the Prevention and Mitigation of Natural Hazards, Springer;International Society for the Prevention and Mitigation of Natural Hazards, vol. 62(3), pages 1217-1231, July.
    17. Mäntymäki, Matti & Salo, Jari, 2013. "Purchasing behavior in social virtual worlds: An examination of Habbo Hotel," International Journal of Information Management, Elsevier, vol. 33(2), pages 282-290.
    18. Fatima Zahra Barrane & Gahima Egide Karuranga & Diane Poulin, 2018. "Technology Adoption and Diffusion: A New Application of the UTAUT Model," International Journal of Innovation and Technology Management (IJITM), World Scientific Publishing Co. Pte. Ltd., vol. 15(06), pages 1-19, December.
    19. Mary D. Adu & Usman H. Malabu & Aduli E. O. Malau-Aduli & Aaron Drovandi & Bunmi S. Malau-Aduli, 2020. "Efficacy and Acceptability of My Care Hub Mobile App to Support Self-Management in Australians with Type 1 or Type 2 Diabetes," IJERPH, MDPI, vol. 17(7), pages 1-18, April.
    20. Ofir Turel & Catherine E. Connelly, 2012. "Team Spirit: The Influence of Psychological Collectivism on the Usage of E-Collaboration Tools," Group Decision and Negotiation, Springer, vol. 21(5), pages 703-725, September.

    More about this item

    Keywords

    traditional banking; online banking; consumers; survey data; econometric models;
    All these keywords.

    NEP fields

    This paper has been announced in the following NEP Reports:

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:zbw:itse23:277964. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: ZBW - Leibniz Information Centre for Economics (email available below). General contact details of provider: http://www.itseurope.org/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.