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The determinants of digital financial behaviour: a survey in the Italian context

Candida Bussoli, Silvia Intini, Lucrezia Fattobene, Vittorio Sorge
July / August 2024 - n. 7-8
Keywords: Digital Financial Behaviour, Financial Knowledge, Digital Literacy, Perfect Automation Schema, Cryptocurrency Literacy
Jel codes: G4, G53

Over the past decades, the financial sector has experienced a continuous digital evolution that has changed the range of services and instruments on offer and influenced consumers' financial behaviour. Based on a questionnaire administered to Italian consumers this work investigates the financial behaviour of retail consumers realised through digital channels by studying its determinants. The analysis reveals that in addition to socio-demographic and socioeconomic variables, Digital financial behaviour is positively influenced by financial knowledge, digital literacy, knowledge of cryptoassets and the degree of trust in automation.

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