In this paper the deterrnining factors of the diffusion intensity of the automatic teller machines (ATM) in the Cajas de Ahorros Confederadas Españolas (CECA) are analyzed, using panel data for the 1985-1990 period. It develops a theoretical model of technology adoption in presence of network...

The completion of the European Single Market should bring out an exploitation of comparative advantages in production and trade. It is usually assumed that, given the predominance of intraeuropean trade flows in the global import figures of the European Union, efficiency gains from trade...

The aim of this study consists of proposing a sequential and hierarchical decision-making process of tourists divided into four stages: 1) going on holiday (or not); 2) choosing a national of international trip; 3) choosing a specific geographical area; and 4) choosing a type of trip...

La convergencia en las nomas del coeficiente de recursos propios ha sido una de las cuestiones más relevantes de la Europa de los ochenta. Este documento investiga la naturaleza y la importancia del coeficiente de recursos propios de los bancos comerciales de Europa después del 92. Se sugiere...

In the international context there are currently important differences in theaccounting rules that the firms must apply to intangible assets. In Spain the accountingfor intangibles and their recognition in the balance sheet is restrictive. The objective ofthis study is to test if the recognized...

Mobility studies take into account that housing tenure has a high influencethrough transaction costs. If benefit of change is greater than costs, the household willchange their dwelling, if not the household stays even though their consumption is notthe optimum. Our aim is to analyse the...

We consider a number of individual, discrete consumers, deciding their location on Hotelling's line in a non-cooperative way. Agglomeration emerges as a non-cooperative equilibrium, implying high transportation costs. No restriction is required concerning the functional forrn of transport costs...

We use conjoint analysis to analyze consumer preferences on protected naturalareas, including the reduction of the risk of fires. Three attributes are considered:biodiversity, dimension of the natural area and the economic contribution that wouldhave to be made for its maintenance and...

The World Health Organization estimates that 300 million clinical cases of malaria occur annually and its incidence increased during the 90's. There are basically two factors behind the incidence of malaria: "geographical destiny", or ecological conditions, and social conditions, which are...

The implantation of the Euro in the eleven of the EU has driven the big banks to expand their presence in other European countries, which may have negative consequences on their credit risk in view of the disadvantages involved in entering new markets. The aim of this paper is to analyse the...