The Effect of Digital Literacy on Financial Literacy

Abstract

Digital literacy and financial literacy are two fundamental skills that are of great importance for individuals to manage both their personal and professional lives more effectively. Digital literacy is the ability of individuals to use digital tools and technologies effectively, safely and consciously. Financial literacy is a skill set that allows individuals to have financial knowledge, understand this knowledge and apply it effectively. The aim of this study is to determine how the digital literacy levels of university students affect their financial literacy levels. In the study, an online survey was applied to Bolu Abant İzzet Baysal University students and 416 students participated in the study. The obtained data were analyzed using T-test, ANOVA test and structural equation modeling with the help of SPSS and AMOS programs. According to the analysis findings, it was observed that the digital literacy level had a significant effect on the financial literacy level.

Keywords

• Digital Literacy
• Financial Literacy
• Structural Equation Model
• 21 st Century Skills
• University Student

Dijital Okuryazarlığın Finansal Okuryazarlığa Etkisi

Abstract

Dijital okuryazarlık ve finansal okuryazarlık, bireylerin hem kişisel hem de profesyonel yaşamlarını daha etkin bir şekilde yönetebilmeleri için büyük önem taşıyan iki temel beceridir. Dijital okuryazarlık, kişilerin dijital araçları ve teknolojileri etkili, güvenli ve bilinçli bir şekilde kullanabilme becerisidir. Finansal okuryazarlık ise, bireylerin finansal bilgiye sahip olmalarını, bu bilgiyi anlamalarını ve etkili bir şekilde uygulamalarını sağlayan bir beceri setidir. Bu çalışmanın amacı üniversite öğrencilerinin dijital okuryazarlık düzeylerinin finansal okuryazarlık düzeylerini ne şekilde etkilediğini tespit etmektir. Çalışmada Bolu Abant İzzet Baysal Üniversitesi öğrencilerine internet ortamında anket uygulanmış ve 416 öğrenci araştırmaya katılmıştır. Elde edilen veriler SPSS ve AMOS programları yardımıyla T-testi, ANOVA testi ve yapısal eşitlik modellemesi kullanılarak analiz edilmiştir. Analiz bulgularına göre dijital okuryazarlık düzeyinin finansal okuryazarlık düzeyi üzerinde anlamlı bir etkisinin olduğu gözlemlenmiştir.

Keywords

• Dijital Okuryazarlık
• Finansal Okuryazarlık
• Yapısal Eşitlik Modeli
• 21. Yüzyıl Becerileri
• Üniversite Öğrencileri

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