Teresa Garín Muñoz|Rafael López|Teodosio Pérez?Amaral|Iñigo Herguera|Ángel Valarezo
Models for individual adoption of eCommerce, eBanking and eGovernment in Spain
National University of Distance Education|Universidad Complutense de Madrid|Institut d'Anàlisi Econòmica
paper analyzes adoption patterns selected internet services ecommerce ebanking egovernment spain high quality official data survey equipment use information communication technologies households icth national institute statistics used dataset cross section 16209 individuals 2016 theoretical demand models grounded standard neoclassical utility maximization framework adapted services logistic regression techniques allow quantifying impact socioeconomic characteristics individual adoption service resulting models statistically significant high predictive power age education levels internet computer skills significant explaining adoption three services gender income ecommerce ebanking interestingly level trust internet significant explain participation ecommerce finally policy recommendations suggested highlighting desirability using specific measures different sociodemographic groups income strata