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

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

Vol. 2 No. 4 (2025), Articles

Vol. 2 No. 4 (2025)

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

Articles

Published 2025-04-29

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

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

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Keywords

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

How to Cite

DIGITAL FINANCIAL LITERACY AS A DRIVER OF ECONOMIC INCLUSION IN EMERGING ECONOMIES. (2025). ACUMEN: INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH, 2(4), 527-531. https://www.universalpublishings.com/index.php/aijmr/article/view/11352

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.

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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/