Online-Banking: Was wir von den Unterschieden in Europa lernen können
In diesem Artikel von Deutsche Bank Research befasst Thomas Meyer sich mit der Einführung des Online-Banking und den Unterschieden zwischen den EU-Ländern.
In diesem Artikel von Deutsche Bank Research befasst Thomas Meyer sich mit der Einführung des Online-Banking und den Unterschieden zwischen den EU-Ländern.
Europeans use online banking to quite different degrees. Adoption rates decrease from north to south and rich to poor. In fact, GDP per capita and latitude explain statistically around 80% of the variation in Europe – as suggested by a simple regression analysis. The European average (EU-25, 36%) is markedly below the US average (44%). Online banking grows – usually, but not always at the expense of branch visits. Bank customers in Europe strongly increased their use of online banking. In France and Italy, they also visited bank branches more often, however. Security concerns are an often voiced impediment to online banking. There is a negative correlation between security concerns and online-banking adoption. French customers are somewhat exceptional in that they show medium adoption rates despite having the most concerns.
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