The Adoption of Electronic Banking: Evidence from Liechtenstein 
  
Appendix A Fact sheet: Principality of Liechtenstein 
  
Fact Sheet: Principality of Liechtenstein 
  
Area 160 square kilometers 
Population 37’000 
Form of government Constitutional monarchy with the rank of principality 
Head of state Prince Hans-Adam II 
Government Collegial Government with five members 
Parliament 25 members of the parliament 
Municipalities 11 
Capital Vaduz 
Language German 
Religion 79% Roman Catholicism 
Currency Swiss franc (CHF) 
Standard and Poor's credit rating Triple A with stable outlook 
  
Table A1. Fact Sheet: Principality of Liechtenstein. 
Notes: This table is meant to provide the reader with some additional information about Liechtenstein 
and consequently building a basic understanding of the institutional setting of this thesis. 
Source: Liechtenstein Marketing. 
Appendix B Excerpt from the dataset 
^J A B C D E 
1 |COUNT(*) YEAROF BIRTH — SEX ID ZIP ^— NUMBER EB USERS 
2 48 1964 male ^' 9494 32 
3 33 ^ 1999 female ' 9495 22 
4 33 ” 1957 female ' 9497 10 
5 6  ' 1938 male ' 9497 0 
6 18  ' 1955 female ' 9493 6 
7 1 female ' 9498 1 
8 28 ’ | 1982 male ^' 9496 22 
9 23 ^ 1990 male ' 9492 16 
DENM 34 ' 1954 male ” 949% 8 
  
  
Figure B1. Excerpt from the dataset. 
Notes: The figure above shows the first 10 observations of the dataset provided by the LLB. It shows the 
variables year of birth, sex, ZIP and electronic banking users as well as the number of individual clients 
with these characteristics. As one can see in cell B7, the year of birth is obliterated for observations with 
less than six individuals. 
Source: Own figure, based on the LLB dataset. 
University of St.Gallen 37
        

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