G2TT
来源类型Discussion paper
规范类型论文
来源IDDP16323
DP16323 Epidemic Exposure, Fintech Adoption, and the Digital Divide
Orkun Saka
发表日期2022-03-31
出版年2022
语种英语
摘要We ask whether epidemic exposure leads to a shift in financial technology usage and who participates in this shift. We exploit a dataset combining Gallup World Polls and Global Findex surveys for some 250,000 individuals in 140 countries, merging them with information on the incidence of epidemics and local 3G internet infrastructure. Epidemic exposure is associated with an increase in remote-access (online/mobile) banking and substitution from bank branch-based to ATM activity. The temporary nature of the effects we identify is more consistent with a demand channel rather than that of supply with high initial fixed costs. Exploring heterogeneity using a machine-learning driven approach, we find that young, high-income earners in full-time employment have the greatest tendency to shift to online/mobile transactions in response to epidemics. Baseline effects are larger for individuals with better ex ante 3G signal coverage, highlighting the role of the digital divide in adaption to new technologies necessitated by adverse external shocks.
主题Financial Economics
关键词Epidemics Fintech Banking
URLhttps://cepr.org/publications/dp16323-0
来源智库Centre for Economic Policy Research (United Kingdom)
资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/546154
推荐引用方式
GB/T 7714
Orkun Saka. DP16323 Epidemic Exposure, Fintech Adoption, and the Digital Divide. 2022.
条目包含的文件
条目无相关文件。
个性服务
推荐该条目
保存到收藏夹
导出为Endnote文件
谷歌学术
谷歌学术中相似的文章
[Orkun Saka]的文章
百度学术
百度学术中相似的文章
[Orkun Saka]的文章
必应学术
必应学术中相似的文章
[Orkun Saka]的文章
相关权益政策
暂无数据
收藏/分享

除非特别说明,本系统中所有内容都受版权保护,并保留所有权利。