technology (IT) in the service production process. The analysis is based on an unbalanced panel data set for 933 West German …

This paper analyzes the regional dimension of the German digital divide. It studies the determinants of home Internet … show that population density itself cannot explain regional differences in Internet use rates. The results rather indicate …

characteristics on differences in the share of Internet use between German counties. In addition, it studies the influence of regional … factors as well as individual characteristics on the individual probability of becoming a new Internet user. Based on two … differences in Internet use. The results rather indicate that it is the different composition of the population between rural and …

characteristics on differences in the share of Internet use between German counties. In addition, it studies the influence of regional … factors as well as individual characteristics on the individual probability of becoming a new Internet user. Based on two … differences in Internet use. The results rather indicate that it is the different composition of the population between rural and …

internet use in Germany. Our work offers three important innovations. First, we use the exact weekly duration of internet use … to explain inequalities in internet intensity, explicitly controlling for non-users. Secondly, we use the frequencies of … five different internet applications to further investigate the determinants of the second-level digital divide. Thirdly …

divorce. We use three panel databases to explore this question. Controlling for the level of life satisfaction of spouses, we …

We estimate the effect of internet penetration on retail bank margins in the euro area. Based on an adapted Baumol … [1982] type contestability model, we argue that the internet has reduced sunk costs and therefore increased contestability … in retail banking. We test this conjecture by estimating the model using semi-aggregated data for a panel of euro area …

Bankengruppe and Creditreform set up a panel study of newly founded firms in Germany: the KfW/ZEW Start-up Panel. In each of the … yearly panel waves computer-aided telephone interviews (CATI) are conducted with about 6,000 start-up firms from almost all … industries. The KfW/ZEW Start-up Panel will for the first time enable profound analyses of the temporal development of newly …