Banking digitalization in Spain: How branch closures and digital barriers reshape financial inclusion

This paper examines the impact of banking digitalization in Spain, focusing on the consequences of branch closures and digital barriers for financial inclusion. Using panel data from the Survey on Equipment and Use of Information and Communication Technologies in Households (2017–2021), a logit mode...

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Auteurs principaux:	Carlos Martínez de Ibarreta, Aurora Ruíz-Rúa, Covadonga Gijón, Fernando Fernández-Bonilla
Format:	Artigo
Langue:	Inglês
Publié:	Elsevier 2025-06-01
Collection:	Digital Business
Sujets:	Aging population Banking digitalization Digital divide E-banking adoption Financial inclusion Panel data analysis
Accès en ligne:	http://www.sciencedirect.com/science/article/pii/S2666954425000146
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