Garín-Muñoz, TeresaLópez Zorzano, Rafael AlbertoPérez Amaral, TeodosioHerguera García, ÍñigoValarezo Unda, Ángel Eduardo2024-02-092024-02-092019Garín-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.2018.01.002.0308-596110.1016/j.telpol.2018.01.002https://hdl.handle.net/20.500.14352/100791This 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.engAttribution-NonCommercial-NoDerivs 4.0 Internationalhttps://creativecommons.org/licenses/by-nc-nd/4.0/journal articlehttps://doi.org/10.1016/j.telpol.2018.01.002restricted access33C30L86L96ECommerceeBankingeGovernmentLogistic modelDigital divideEconomía53 Ciencias Económicas