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Do you access your bank online? If so, you are among the fifteen million users of online banking in Spain, six million more than in 2010.

El número de usuarios de banca electrónica en España aumentó el 64,5% desde 2010 hasta rozar los 15 millones personas en 2016. El objetivo de este Observatorio es conocer los determinantes de que un individuo acceda a la banca digital y arrojar luz sobre los factores que incentivan la contratación de un producto financiero …

This paper aims to improve our understanding of the determinants of e-commerce and of its composition, and clarify the possible reasons conditioning its development in Spain. The internet is still not widely available in Spanish households, fur…