Ibarreta, Carlos Martínez de; Ruíz-Rúa, Aurora; … - In: Digital business 5 (2025) 1, pp. 1-16
This paper examines the impact of banking digitalization in Spain, focusing on the consequences of branch closures and … e-banking adoption. The findings reveal that a lower density of bank branches per 1000 inhabitants significantly … increases the propensity to use e-banking. However, digital financial inclusion remains uneven, with age, digital skills, gender …