Experts from the Economics and Business Institute at the University of Seville have just published a study of the use of online banking by the over-60s, which shows that the digital divide of these users, far from being linked strictly to age, is more connected to psychographic characteristics, such as perceived self-sufficiency, anxiety levels, and the influence of social groups. This is what these same authors have named in other studies the ‘psycho-digital’ divide. Therefore, the researchers state that the majority of over-60s access online banking when they understand its usefulness, although they assume certain risks because of a lack of competence, and that they also value very positively the influence that they exercise over younger family members, who are more used to using electronic services.