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- W2979888917 abstract "Abstract 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. JEL Classification: G21, L32, L38, L86, O33, R12, R20, R51" @default.
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- W2979888917 date "2019-07-01" @default.
- W2979888917 modified "2023-09-25" @default.
- W2979888917 title "The Impact of Socio-Economic and Demographic Factors on the Use of Digital Access to Financial Services" @default.
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- W2979888917 doi "https://doi.org/10.3790/ccm.52.3.295" @default.
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