| Autor: |
Conrad, Alexander, Neuberger, Doris, Peters, Florian, Rösch, Fabian |
| Předmět: |
|
| Zdroj: |
Credit & Capital Markets / Kredit und Kapital; 2019, Vol. 52 Issue 3, p295-321, 27p |
| Abstrakt: |
This paper investigates which socio-economic and demographic factors influence the demand for digital access to financial services. For this purpose, customer data from all public savings banks in Germany are linked with socio-economic and demographic data at regional level. As a result, attributes can be identified that promote a so-called informational divide. The risk of such a divide is comparatively high in rural, sparsely populated areas with a high average age of the population and in regions with a relatively low average formal education level. Here, people could lose access to basic financial services as a basis for economic and social participation as a result of ongoing digitisation. [ABSTRACT FROM AUTHOR] |
| Databáze: |
Complementary Index |
| Externí odkaz: |
|
