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D3a A Continuation of Associations in Utilization of Digital Banking Technologies and Money Management Practices
Key Words
banking, financial, technology, demographics, assets, liabilities
Short Description
This study is a continuation of previous research examining three types of banking (in-person/ATM, online and mobile). Our previous research, which was presented at the American Council on Consumer Interests 2019 Conference, focused on consumers that used only one form of banking. We found compelling demographic and financial differences for respondents using only one of the three types of banking. This research goes a step further in looking at multi-mode users and the potential associations between banking type and both demographic/socioeconomic characteristics and money management practices. We consider money management practices to include the amount of liquid and investable assets, whether they use check cashing or payday loans and the amount of liabilities. The study considers and controls for key demographic and socioeconomic factors including race, ethnicity, educational attainment, and age.
First & Corresponding Author
Kristin Dwan, NORC
Authors in the order to be printed
Kristin Dwan, Angela Fontes, Justine Bulgar-Medina