No. 976 - Households' use of digital banking

Questioni di Economia e Finanza (Occasional papers)
by Davide Arnaudo, Massimiliano Rigon and Paola Rossi
November 2025
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This study examines the factors influencing households' recourse to digital banking. Using data from Banca d'Italia's Survey on Household Income and Wealth and Regional Bank Lending Survey, we analyse the socio-economic and demographic characteristics of households, as well as the structural features of banks, that are most frequently associated with the use of digital banking.

The use of digital banking is more common among households with greater economic wealth, where the top earner is younger, better educated or has stronger financial and digital skills. In parallel, the provision of a broader range of digital services by banks and a less extensive local branch network are also associated with greater use of digital banking channels.

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  1. 13 November 2025
    No. 976 - Households' use of digital banking (only in Italian)
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