DIGITAL FINANCIAL LITERACY AS A DRIVER OF ECONOMIC INCLUSION IN EMERGING ECONOMIES

Po’latov Javlon Xo’sinboy o’g’li; U. Dalabaev

Authors

Po’latov Javlon Xo’sinboy o’g’li Master’s Degree student at University of World Economy and Diplomacy
U. Dalabaev Under the supervision of Prof

Keywords:

Digital financial literacy, economic inclusion, fintech, mobile banking, digital economy, cybersecurity, emerging economies, Uzbekistan, financial technology, digital divide

Abstract

The accelerating digitalization of financial systems worldwide has redefined the notion of financial literacy, elevating digital financial literacy to a fundamental prerequisite for economic inclusion. Digital financial literacy, encompassing knowledge of mobile banking, online investments, cryptocurrency management, cybersecurity in finance, and digital payment systems, serves as a gateway to modern economic participation.

References

1. Global System for Mobile Communications Association (GSMA). (2024). The Mobile Economy 2024. https://www.gsma.com/mobileeconomy/

2. International Telecommunication Union (ITU). (2024). Measuring Digital Development: Facts and Figures 2024. https://www.itu.int/en/ITU-D/Statistics/Pages/facts/default.aspx

3. Statista. (2024). Cybersecurity Statistics and Trends 2024. https://www.statista.com

4. World Bank. (2024). Global Financial Inclusion (Global Findex) Database 2024. Retrieved from https://globalfindex.worldbank.org/

5. World Bank. (2024). Global Financial Inclusion (Global Findex) Database: Share of unbanked adults by region [Data for pie chart]. https://globalfindex.worldbank.org/