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Ekonomia i Prawo. Economics and Law

Determinants of digital financial exclusion as a barrier to the adoption of mobile banking services in Poland
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Determinants of digital financial exclusion as a barrier to the adoption of mobile banking services in Poland

Authors

  • Małgorzata Solarz Wroclaw University of Economics and Business https://orcid.org/0000-0001-9538-0541
  • Jacek Adamek Wroclaw University of Economics and Business https://orcid.org/0000-0003-2427-5052

DOI:

https://doi.org/10.12775/EiP.2022.028

Keywords

digital finance, digital financial inclusion, financial exclusion, mobile banking, CART

Abstract

Motivation: the contemporary phenomenon of financial exclusion, in the sphere of its reasons, consequences and activities aimed at its reduction can be connected, e.g., with using new technologies and financial innovations. The new dimension of such exclusion is created by the digital financial exclusion developed through a diverse set of behavioral, environmental and demographic factors. Their identification and analysis has become an essential activity influencing, e.g., the effectiveness of selective choice and application of proper tools to reduce this exclusion.

Aim: identification and assessment of the determinants related to digital financial exclusion as a barrier in the adoption of mobile banking services, considered from the perspective of their impact on the segmentation of the analysed population.

Results: the ranking, identified by the authors, regarding the importance of predictors indicated that the dependent variable — Y (i.e. people who have an online bank account classified based on the mobile forms of its use) is most influenced by the generation factor — X4 (1.0), followed by: personal innovativeness — X2 (0.92), digital skills — X1 (0.90) and the perceived risks of new technologies — X3 (0.66).

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Ekonomia i Prawo. Economics and Law

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2022-06-30

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SOLARZ, Małgorzata and ADAMEK, Jacek. Determinants of digital financial exclusion as a barrier to the adoption of mobile banking services in Poland. Ekonomia i Prawo. Economics and Law. Online. 30 June 2022. Vol. 21, no. 2, pp. 503-525. [Accessed 5 July 2025]. DOI 10.12775/EiP.2022.028.
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