Title: The impact of the internet on the Spanish banking sector

Authors: Jose M. Barrutia, Carmen Echebarria

Addresses: Faculty of Economics and Business Studies, University of the Basque Country, Avda. Lehendakari Aguirre, 83, 48015 Bilbao, Spain. ' Faculty of Economics and Business Studies, University of the Basque Country, Avda. Lehendakari Aguirre, 83, 48015 Bilbao, Spain

Abstract: This study aims to measure the impact of digitalisation in Spain|s banking sector. Our starting point is a quantitative investigation that reveals the growing, though still slight, presence of the internet within multichannel bank distribution in Spain. The macro level results do not yet reflect the relevance of the emergent transformations that are occurring at a micro level, though it is possible to identify this process through qualitative research. Although the internet banking channel in Spain is expanding at a lesser rate than that predicted by the most optimistic forecasts, the worldwide web is registering a significant impact along the lines foreseen in strategic marketing studies.

Keywords: internet banking; Spain; banking sector; emergent transformations; digitalisation impact; online banking; e-banking; electronic banking.

DOI: 10.1504/IJFSM.2006.009634

International Journal of Financial Services Management, 2006 Vol.1 No.2/3, pp.322 - 344

Available online: 03 May 2006 *

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