数字金融素养和生活满意度:来自韩国的证据
Youngjoo Choung1, Tae-Young Pak2, Swarn Chatterjee3
1Department of Consumer Science, Inha University, Incheon 22212, Republic of Korea.
Behavioral sciences (Basel, Switzerland)
|January 24, 2025
概括
数字金融素养显著提高了使用数字金融服务的成年人的生活满意度. 对欺诈的自我保护成为关键驱动因素,强调了数字金融技能的重要性.
科学领域:
- 行为经济学是一种行为经济学.
- 消费者金融 消费者金融
- 数字福利 数字福利
背景情况:
- 数字金融素养 (DFL) 对于使用数字工具管理财务至关重要.
- 虽然研究了行为影响,但DFL与整体幸福感的联系需要更多的研究.
- 了解DFL在生活满意度中的作用对于金融消费者福祉至关重要.
研究的目的:
- 调查数字金融素养与生活满意度之间的关联.
- 为了确定DFL的哪些组成部分最强烈地预测生活满意度.
- 在发达国家背景下为政策和教育提供见解.
主要方法:
- 一个多维尺度测量了DFL,包括财务知识,数字技能,服务意识,实用知识和自我保护.
- 对1615名使用数字金融服务的韩国成年人的数据进行了回归分析.
- 这项研究研究了DFL尺寸与生活满意度之间的关系.
主要成果:
- 数字金融素养与生活满意度有显著的积极关联.
- 对数字金融欺诈的自我保护是DFL最有影响力的子维度.
- 当控制其他DFL维度时,仅仅财务知识与生活满意度没有相关性.
结论:
- 数字金融素养,特别是自我保护技能,是提高金融消费者生活满意度的关键.
- 金融教育和消费者保护政策应优先考虑数字技能和欺诈预防.
- 解决数字金融素养差距对于弱势群体的福祉至关重要.
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