Identificador persistente para citar o vincular este elemento: http://hdl.handle.net/10553/55083
Título: Educational level and Internet banking
Autores/as: Zagalaz Jiménez, José Ramón
Aguiar Díaz, Inmaculada 
Palabras clave: Online Banking
Electronic Banking
User Acceptance
Adoption
Determinants, et al.
Fecha de publicación: 2019
Editor/a: 2214-6350
Publicación seriada: Journal of Behavioral and Experimental Finance 
Resumen: The study focuses on the analysis of the determinants of the use of Internet banking in Spain, with special reference to educational level, both per se, and the possible moderating effect on the other variables. The sample consists of 4300 observations and has been obtained from the Financial Survey of Families for 2014. The results obtained allow us to conclude that there is a positive relationship between a higher educational level, gender, level of income, being self-employed, greater use of ATMs, greater frequency in the use of banking operations and the use of Internet banking. On the contrary, age exhibits a negative relationship. One of the anomalous results is that individuals with a higher educational level and higher income are less likely to use Internet banking, probably because in this case they prefer personalized advice to make decisions about investments in more complex financial products. (C) 2019 Elsevier B.V. All rights reserved.
URI: http://hdl.handle.net/10553/55083
ISSN: 2214-6350
DOI: 10.1016/j.jbef.2019.01.004
Fuente: Journal of Behavioral and Experimental Finance[ISSN 2214-6350],v. 22, p. 31-40
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