RT Journal Article
T1 Models for individual adoption of eCommerce, eBanking and eGovernment in Spain
A1 Garín-Muñoz, Teresa
A1 López Zorzano, Rafael Alberto
A1 Pérez Amaral, Teodosio
A1 Herguera García, Íñigo
A1 Valarezo Unda, Ángel Eduardo
AB 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.
PB Elsevier
SN 0308-5961
YR 2019
FD 2019
LK https://hdl.handle.net/20.500.14352/100791
UL https://hdl.handle.net/20.500.14352/100791
LA eng
NO Garín-Muñoz, Teresa, et al. «Models for Individual Adoption of eCommerce, eBanking and eGovernment in Spain». Telecommunications Policy, vol. 43, n.o 1, febrero de 2019, pp. 100-11. https://doi.org/10.1016/j.telpol.2018.01.002.
NO Comunidad de Madrid
DS Docta Complutense
RD 4 abr 2025