Observational analysis shows lower delinquency and overdraft rates in clients using mobile apps, implying a significant influence on financial behavior.
This study analyzes how mobile applications influence financial decision-making. Using data from 50,000 clients of a Spanish bank, it was found that those who use the app are less likely to incur delinquency (β = –1.110) and, for the most part, are also less likely to experience overdrafts (β = –0.122).
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Diez et al. (2025) studied this question.
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