网上银行能取代个人银行吗?对匈牙利银行业习惯的调查

IF 0.7 4区经济学 Q3 ECONOMICS

Acta Oeconomica Pub Date : 2023-10-17 DOI:10.1556/032.2023.00027

Nedim Márton El-Meouch, Ádám Banai, B. Levente Alpek

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引用次数: 0

摘要

当今银行业的一个重要问题是银行分支机构和网上银行解决方案在服务消费者方面所扮演的角色。在2022年对匈牙利1000名成年人进行的一项代表性调查的帮助下，我们研究了在线和移动银行解决方案在多大程度上可以成为银行分行的合适替代方案。根据我们的研究结果，由于客户的态度，网上银行解决方案在匈牙利并不能完全取代个人银行，因为我们可以看到，网上银行的使用对银行网点的访问频率没有显著影响，其使用率并不随着距离银行网点的距离而增加。我们还指出，对于匈牙利人口来说，银行分行关闭的趋势可能会带来被排除在正式金融体系之外的风险，主要是生活在小定居点和相对较差的财务状况中的老年人，数字接受度较低的社会阶层。

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Can online banking replace personal banking? A survey of Hungarian banking habits

Abstract One of the important issues of banking today is the role bank branches and online banking solutions play in serving consumers. With the help of a representative Survey of 1,000 adults in Hungary conducted in 2022, we examine how well online and mobile banking solutions can provide a suitable alternative to bank branches. Based on our results, online banking solutions cannot fully replace personal banking in Hungary due to the customers' attitudes, as we can see that their use does not significantly affect the frequency of visits to the bank branch, and their usage rate does not increase with the distance from the bank branch. We also point out that for the Hungarian population the trend of bank branch closures may entail the risk of being left out of the formal financial system mostly for the older, digitally less receptive social strata living in small settlements and in a relatively worse financial situation.

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来源期刊

Acta Oeconomica ECONOMICS-

CiteScore

1.40

自引率

25.00%

发文量

期刊介绍： Acta Oeconomica publishes articles on Eastern European and Hungarian economic transition, theoretical and general issues of the transition process, economic policy, econometrics and mathematical economics. Space is also devoted to international economics, European integration, labour economics, industrial organisation, finance and business economics.Publishes book reviews and advertisements.