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Models for Individual Adoption of eCommerce, eBanking and eGovernment in Spain

21 Pages Posted: 7 Aug 2017  

Teresa Garín Muñoz

Universidad Nacional de Educación a Distancia (UNED)

Rafael Lopez

Universidad Complutense de Madrid

Teodosio Perez Amaral

Complutense University of Madrid - Facultad de Económicas y Empresariales

Iñigo Herguera García

Universidad Complutense de Madrid (UCM) - Department of Fundamentals of Economic Analysis II (Quantitative Economics)

Angel Valarezo Unda

Universidad Complutense de Madrid (UCM)

Date Written: July 7, 2017

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

JEL Classification: C25, D11, O33

Suggested Citation

Garín Muñoz, Teresa and Lopez, Rafael and Perez Amaral, Teodosio and Herguera García, Iñigo and Valarezo Unda, Angel, Models for Individual Adoption of eCommerce, eBanking and eGovernment in Spain (July 7, 2017). Available at SSRN: https://ssrn.com/abstract=3014108

Teresa Garín-Muñoz (Contact Author)

Universidad Nacional de Educación a Distancia (UNED) ( email )

C/ Senda del Rey 11
Madrid, 28040
Spain
0034913987814 (Phone)
0034913986339 (Fax)

Rafael Lopez

Universidad Complutense de Madrid ( email )

Campus de Somosaguas
Madrid
Spain
+34 91 394 3158 (Phone)

Teodosio Perez Amaral

Complutense University of Madrid - Facultad de Económicas y Empresariales ( email )

Madrid, 28223
Spain

Iñigo Herguera García

Universidad Complutense de Madrid (UCM) - Department of Fundamentals of Economic Analysis II (Quantitative Economics) ( email )

Campus of Somosaguas
28223- Somosaguas, Madrid
Spain
(34) 91-394.23.62 (Phone)
(34) 91- 394.26.13 (Fax)

Angel Valarezo Unda

Universidad Complutense de Madrid (UCM) ( email )

Carretera de Humera s/n
Madrid, Madrid 28223
Spain

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