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

Teresa Garín-Muñoz, Rafael Lopez, Teodosio Pérez-Amaral, Iñigo Herguera García and Angel Valarezo Unda

28th European Regional ITS Conference, Passau 2017 from International Telecommunications Society (ITS)

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.

Keywords: ECommerce; eBanking; eGovernment; logistic model; digital divide (search for similar items in EconPapers)
Date: 2017
New Economics Papers: this item is included in nep-eur, nep-pay and nep-upt
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (6)

Downloads: (external link)
https://www.econstor.eu/bitstream/10419/169460/1/Garin-Munoz-et-al.pdf (application/pdf)

Related works:
Journal Article: Models for individual adoption of eCommerce, eBanking and eGovernment in Spain (2019)
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:zbw:itse17:169460

Access Statistics for this paper

More papers in 28th European Regional ITS Conference, Passau 2017 from International Telecommunications Society (ITS)
Bibliographic data for series maintained by ZBW - Leibniz Information Centre for Economics ().