Analyse : Ce que nous enseigne les différences en Europe

Dans cet article publié par la Deutsche Bank Research, Thomas Meyer analyse l’intérêt suscité par les services bancaires en ligne et les différences selon les pays européens.

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.

To read the article in full, please click here.