デジタルバンキング機能はEV販売を促進するか？複数国の実証分析
Does digital banking facility promote electric vehicle sales? Empirical evidence from a set of global economies (原題)
Sandhyarani Rout, Sreenu Nenavath, Ashis Kumar Pradhan
🤖 gxceed AI 要約
日本語
31カ国・2010〜2023年のパネルデータを用い、デジタルバンキング決済システムがEV販売に与える影響を分析。多くの推計でデジタル決済はEV販売を正に促進するが、残差分位回帰では異質性も観察された。教育水準と再エネ普及もEV販売と正相関、エネルギー集約度は負相関。財政当局によるデジタル金融商品の革新を提言する。
English
Using panel data from 31 countries (2010-2023), this study examines whether digital banking payment systems drive EV sales. Most estimates show a positive effect, though residualized quantile regression reveals heterogeneity. Education and renewable penetration correlate positively with EV sales, while energy intensity reduces them. The authors urge fiscal authorities to innovate digital banking products to support sustainable transport and net-zero goals.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
日本のEV普及と金融デジタル化の接点を示す材料。ただし日本固有の政策・データではなく、国内GX文脈への直接的示唆は限定的。
In the global GX context
Adds to the global evidence base on how financial infrastructure and payment systems shape transport decarbonization, a lever largely absent from TCFD/ISSB disclosure debates but relevant to transition-finance and EV-adoption policy design.
👥 読者別の含意
🔬研究者:金融インフラとEV普及の因果関係を探る実証研究の出発点として有用。
🏢実務担当者:金融・決済サービス企業がEV関連の顧客接点や商品設計を検討する際の参考になる。
🏛政策担当者:EV普及策としてデジタル金融・決済政策を組み合わせる余地を示唆する。
📄 Abstract（原文）
Abstract Passenger and freight vehicles generate approximately one quarter of total global greenhouse gas emissions. Mitigating this enormous burden on the transport sector necessitates transition from fossil fuel automobiles to ecological friendly vehicles. Against this backdrop, this study underscores the importance of digital banking payment systems in promoting Electric Vehicles (EVs) sales, alongside several other underexplored factors. The study employs data from 31 countries spanning from 2010 to 2023, and use a set of panel data models to examine possible relationships. The findings from empirical analysis reveal that digital banking payment systems positively influences the EVs sales across majority of the estimates except some heterogeneity observed through the application of Residualized quantile regression. Moreover, educational attainment and renewable energy penetration are positively associated with EV sales, whereas energy intensity tends to reduce EV sales across the sampled countries. However, the results are not fully consistent across the different econometric models employed. The study’s findings endorse for taking proactive measures by the fiscal authorities to innovate digital banking products, as it can facilitate sustainable transportation systems and helps in achieving net-zero emission targets across sampled nations.
🔗 Provenance — このレコードを発見したソース
- openalex https://doi.org/10.1007/s44265-026-00092-xfirst seen 2026-11-15 04:46:49
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