Patrones de acceso a la banca digitalaproximaciones tradicionales, aprendizaje automático y neuroeconomía

  1. Santiago CARBÓ VALVERDE 12
  2. Francisco RODRÍGUEZ FERNÁNDEZ 13
  1. 1 Observatorio de la Digitalización Financiera de Funcas
  2. 2 Bangor University
    info

    Bangor University

    Bangor, Reino Unido

    ROR https://ror.org/006jb1a24

  3. 3 Universidad de Granada
    info

    Universidad de Granada

    Granada, España

    ROR https://ror.org/04njjy449

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Revista:
Papeles de economía española

ISSN: 0210-9107

Año de publicación: 2019

Número: 162

Páginas: 14-26

Tipo: Artículo

DIALNET GOOGLE SCHOLAR lock_openAcceso abierto editor

Otras publicaciones en: Papeles de economía española

Resumen

Este artículo analiza los patrones que determinan la adopción y el uso frecuente de servicios financieros digitales entre los usuarios bancarios. Se realiza un ejercicio comparativo de las aportaciones econométricas tradicionales con otros dos métodos de análisis de información más recientes. En primer lugar, el aprendizaje automático (machine learning), con el objetivo de analizar la secuencia de decisiones que se sigue hasta convertirse en un usuario de servicios digitales financieros. Los resultados de este análisis sugieren que la consciencia sobre la gama de posibilidades de uso online y la consulta de información preceden a un uso frecuen- te de canales digitales para realizar transacciones. En segundo lugar, un análisis de resonancia magnética funcional para identificar si existen patrones neurológicos que expliquen diferencias entre los individuos en relación a su grado de digitalización financiera. Los resultados indican que existen patrones biológicos que pueden explicar diferencias en la predisposición a adoptar medios financieros digitales.

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Fuente de los datos: Dialnet