| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w29006 |
| 来源ID | Working Paper 29006 |
| Epidemic Exposure, Fintech Adoption, and the Digital Divide | |
| Orkun Saka ⓡ; Barry Eichengreen; ⓡ; Cevat Giray Aksoy | |
| 发表日期 | 2021-07-12 |
| 出版年 | 2021 |
| 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 ; Financial Institutions ; Health, Education, and Welfare ; Health ; COVID-19 |
| URL | https://www.nber.org/papers/w29006 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/586680 |
| 推荐引用方式 GB/T 7714 | Orkun Saka ⓡ,Barry Eichengreen,ⓡ,et al. Epidemic Exposure, Fintech Adoption, and the Digital Divide. 2021. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w29006.pdf（1181KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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