X Generation, Women and Digital Banking Services

Abstract

The objective of the study is to find evidence of difficulties in using digital banking services related to the generation of people born in the period 1965-1979 and women. The study uses Bayesian linear regression model through the Random-Walk Metropolis Hastin (MH) sampling algorithm. Data is collected from the Global Findex and World Development Indicators datasets of 183 countries in 2014. The results show that the generation of people born in the period 1965-1979 and women are less likely to use new services from digital banking.