Ролята на дигиталните финанси в развитието на предприемаческия потенциал на младите в България
The Role of Digital Finance in the Development of the Entrepreneurial Potential of Youth in Bulgaria

Author(s): Viktoria Zarkova
Subject(s): Economy, National Economy, Business Economy / Management, Financial Markets, ICT Information and Communications Technologies
Published by: Университет за национално и световно стопанство (УНСС)
Keywords: digital finance; fintech; entrepreneurial potential; Bulgaria
Summary/Abstract: The world is undergoing a digital evolution in which technology is increasingly replacing human labor, and finance is becoming digital and virtual. Despite the widespread use of digital finance and fintech technologies, many people are still unaware that this represents the new normal of the future. Digital finance refers to the use of digital technologies in financial activities. It is utilized daily through online banking, contactless payments, digital wallets, and cryptocurrencies. Its main advantages include greater accessibility, cost-effectiveness, and efficiency. This study focuses on digital finance as a perspective for developing the entrepreneurial potential of young people in Bulgaria. The thesis states that the relatively high level of digital literacy among young people in Bulgaria, combined with the rapidly growing fintech sector, provides a solid foundation for encouraging youth entrepreneurship. This highlights the need for comprehensive and coordinated measures. The aim of the research is to determine the extent to which digital finance is accessible and facilitates business creation for young people in the country. To achieve this aim, the study sets out the following objectives: To present the advantages and disadvantages of digital finance. To examine its use in Bulgaria, Greece, Turkey, Serbia, and Romania. To assess its application as a tool for entrepreneurship and innovation among young people in Bulgaria.

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