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2019 Conference

del 21 al 23 de May del 2019

Westin Arlington Gateway, Arlington, VA, USA

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103 Associations in Utilization of Digital Banking Technologies and Household Financial Goal-Setting & Management

miércoles, el 22 de mayo de 2019 a las 08:00–08:50 EDT
Prefunction ACD
Key Words

Banking, mobile, online, teller, demographics, assets, debts, financial, outlook, stability

Short Description

In today’s technology-driven marketplace, banking takes many forms ranging from in-person with a teller to ATMs, and mobile banking, to name a few. There is a perception that our engagement with banking has been impacted by these technological advances.  However, little empirical research has identified the various ways in which these technologies are used, by whom, and what other impacts their use may have on overall consumer behavior and financial well-being. This study examines three types of banking (in-person/ATM, online and mobile), and the potential associations between banking type and both demographic/socioeconomic characteristics and markers of financial well-being. The study utilizes data from NORC’s Financial Well-being and Literacy Survey. This survey is fielded on AmeriSpeak, NORC’s nationally representative panel, and details the finances of roughly 11,500 households in the U.S. Our preliminary findings suggest that there are compelling demographic and financial well-being differences for respondents in each banking type. The findings suggests that online and in person bankers are better off financially, but those who rely on mobile banking are the least well off financially. This paper examines those differences in detail and highlights possible explanations for the differences in both approaches to banking and ultimate outcomes from banking modes of choice.

First & Corresponding Author

Kristin Dwan, NORC
Authors in the order to be printed

Kristin Dwan, Justine Bulgar-Medina, Angela Fontes, Eduardo Salinas

Additional Authors

Justine Bulgar-Medina, NORC
Eduardo Salinas, NORC
Angela Fontes, NORC
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