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Assessing digital financial literacy and its’ underlying socio-demographic indicators

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Detalhes bibliográficos
Resumo:The purpose of this dissertation is to develop a model/survey capable of assessing the levels of digital financial literacy of the Portuguese population. This subject matter was proposed by a startup, called “Doutor Finanças”, which aims to understand the status of the Portuguese population in this regard. Doutor Finanças operates assisting its customers in their financial concerns to optimize their financial wealth and, also, increase their financial literacy levels. For that reason, this thesis focus on testing the model/survey and comparing the results with the participants’ demographic indicators to understand their impact on digital financial literacy levels. On one hand, the methodology used to develop the digital financial literacy model consists of combining existing models that study digital and financial literacy indicators, separately, into one model that merges the indicators of these two components. On the other hand, to test the conceived model, a survey was created according to the model indicators. This survey measures the participant’s digital financial literacy level on a scale from 0 to 100 points and, also, gathers relevant information about the critical demographic indicators for the purpose of this analysis. Regarding the data analysis, the comparison between the participants’ scores and their demographic indicators indicates that gender, area of residence, area of study and level of education are the indicators that have larger impact in the levels of digital financial literacy.
Autores principais:Minas, Vasco Picão
Assunto:Digital literacy Financial literacy Digital financial literacy Consulting Demographic indicators Literacia digital Literacia financeira Literacia financeira digital Consultoria Indicadores demográficos
Ano:2021
País:Portugal
Tipo de documento:dissertação de mestrado
Tipo de acesso:acesso restrito
Instituição associada:Universidade Católica Portuguesa
Idioma:inglês
Origem:Veritati - Repositório Institucional da Universidade Católica Portuguesa
Descrição
Resumo:The purpose of this dissertation is to develop a model/survey capable of assessing the levels of digital financial literacy of the Portuguese population. This subject matter was proposed by a startup, called “Doutor Finanças”, which aims to understand the status of the Portuguese population in this regard. Doutor Finanças operates assisting its customers in their financial concerns to optimize their financial wealth and, also, increase their financial literacy levels. For that reason, this thesis focus on testing the model/survey and comparing the results with the participants’ demographic indicators to understand their impact on digital financial literacy levels. On one hand, the methodology used to develop the digital financial literacy model consists of combining existing models that study digital and financial literacy indicators, separately, into one model that merges the indicators of these two components. On the other hand, to test the conceived model, a survey was created according to the model indicators. This survey measures the participant’s digital financial literacy level on a scale from 0 to 100 points and, also, gathers relevant information about the critical demographic indicators for the purpose of this analysis. Regarding the data analysis, the comparison between the participants’ scores and their demographic indicators indicates that gender, area of residence, area of study and level of education are the indicators that have larger impact in the levels of digital financial literacy.

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