Distance and Internet Banking



Internet-related possibilities might reduce the importance of distance for economic activity. By using data from the Survey on Household Income and Wealth (SHIW) of the Bank of Italy, this chapter investigates the validity of this assertion for Internet banking. It shows that there is no support for the argument that isolated consumers use e-banking more intensively than their less-isolated counterparts. It also highlights that, compared to less isolated clients, geographically remote clients are more frequently supplied with a loan by their own bank and evaluate personal acquaintances as an important factor more intensively. Overall, these findings support the relevance of soft information in lending practices to families and family businesses


City Size Soft Information Internet Banking Deposit Account Italian Household 
These keywords were added by machine and not by the authors. This process is experimental and the keywords may be updated as the learning algorithm improves.



I would like to thank Giorgio Albareto, Guglielmo Barone, Luigi Cannari, and Massimo Omiccioli. I am grateful to Diego Caprara and Christine Stone for their editorial assistance. The usual disclaimers apply.


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Copyright information

© Springer Science+Business Media, LLC 2009

Authors and Affiliations

  1. 1.Bank of ItalyResearch DepartmentRomeItaly

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