Utjecaj FinTech-a na podizanje svijesti o financijskoj pismenosti

master's thesis

• Title (croatian): The impact of FinTech on financial literacy awareness
• Author: Mia Ivančić
• Mentor: Dajana Barbić (mentor)
• Committee member: Dajana Barbić (predsjednik povjerenstva)
• Committee member: Maja Mihelja Žaja (član povjerenstva)
• Committee member: Antonija Buljan (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2024-04-16, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

U današnje vrijeme financijska pismenost postala je neophodna za sve pojedince koji teže financijskoj sigurnosti, ali i uspješnom upravljanju osobnim financijama. Financijska pismenost pojedinca važna je vještina koja je potrebna kako bi pojedinci lakše donosili odluke o financijskim proizvodima i uslugama koje utječu na osobni ili obiteljski proračun te kako bi postigli vlastitu financijsku stabilnost. S druge strane, digitalna financijska pismenost postaje sve važniji aspekt obrazovanja. Ona se zasniva na sposobnosti razumijevanja i korištenja tehnologija. Kako bi potrošači efikasno koristili financijske proizvode i usluge te izbjegli prijevare poput krađe identiteta, neovlaštena upotreba podataka, hakerskih napada i slično važno je da imaju adekvatnu razinu digitalne financijske pismenosti. Kroz pružanje digitalnih financijskih usluga, FinTech pomaže u poboljšanju pristupa financijskim resursima i olakšava upravljanje financijama. Primjena digitalnih financijskih tehnologija može predstavljati izazov za pojedince bez adekvatne financijske pismenosti, posebno u razumijevanju rizika i prednosti novih tehnologija. Stoga je ključno poticati obrazovanje o FinTech-u kako bi se potrošačima omogućilo bolje razumijevanje i učinkovito korištenje inovacija u svakodnevnom životu.

Abstract (english)

Nowadays, financial literacy has become necessary for all individuals who strive for financial security, as well as successful management of personal finances. An individual's financial literacy is an important skill that is needed to make it easier for individuals to make decisions about financial products and services that affect their personal or family budget and to achieve their own financial stability. On the other hand, digital financial literacy is becoming an increasingly important aspect of education. It is based on the ability to understand and use technologies. In order for consumers to effectively use financial products and services and avoid fraud such as identity theft, unauthorized use of data, hacker attacks and the like, it is important that they have an adequate level of digital financial literacy. Through the provision of digital financial services, FinTech helps improve access to financial resources and facilitates financial management. The application of digital financial technologies can be a challenge for individuals without adequate financial literacy, especially in understanding the risks and benefits of new technologies. Therefore, it is crucial to encourage FinTech education to enable consumers to better understand and effectively use innovation in their daily lives.

• Keywords: financijska pismenost; FinTech; digitalna financijska pismenost
• Keywords (english): financial literacy; FinTech; digital financial literacy
• Language: croatian
• URN:NBN: urn:nbn:hr:148:036345
• Study programme: Title: Business economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: sveučilišni magistar ekonomije/sveučilišna magistra ekonomije (sveučilišni magistar ekonomije/sveučilišna magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to authenticated users
• Created on: 2024-04-18 11:24:50