Дигиталната финансова грамотност на студентите – състояние и перспективи
Students’ Digital Financial Literacy – Status and Prospects

Author(s): Elena Stavrova, Lindita Durmishi, Elona Mustafaraj, Georgi Nikolov, Evelina Kapitanska
Subject(s): Social Sciences, Economy, Business Economy / Management, Sociology, Evaluation research, Social development, Social Informatics, Economic development, Financial Markets, ICT Information and Communications Technologies, Socio-Economic Research
Published by: Университет за национално и световно стопанство (УНСС)
Keywords: digital financial literacy; financial digital ecosystem
Summary/Abstract: The pervasive financialization of the real economy, combined with the emergence of new and more sophisticated financial instruments that can be used for consumption, saving and investment, has increased the need for more financial literacy among citizens of all age groups to navigate the complex menus of options offered to them by financial intermediaries. At the same time, following the global financial crisis of 2007-2008 and the recent COVID-19 pandemic crisis, the debate on the importance of financial literacy has gained even greater momentum, as the most uninformed investors are considered to be the most exposed to financial and economic disruptions, regardless of their source. Last but not least, the liberalization of financial markets and policy reforms have led to a continued shift of decision-making responsibility from governments, institutions and employers to economic agents and households. Therefore, the importance of having a sufficient level of financial literacy for individuals and households to make wiser decisions in various areas of their own business is now widely recognized. The real establishment of financial literacy, in particular digital literacy, is a step forward in the formation of a working system for building a system of knowledge, skills and competencies in adolescents and young people for coping behavior in the conditions of a fluctuating and threatened financial ecosystem.

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