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VOL. 12, ISSUE 3 (2026)
Digital and financial literacy and its impact on financial decisions
Authors
Dr. A Vatsala, Dr. N Anitha
Abstract
In the modern financial ecosystem, both digital literacy and financial
literacy are critical for making informed and secure financial decisions.
Digital literacy enables individuals to effectively use online banking, mobile
payment platforms, and digital investment portals, while financial literacy
equips them with the ability to evaluate risks and returns and manage personal
finances. This research investigates the combined effect of digital and
financial literacy on financial decision-making among 50 respondents. The
results show that individuals with higher literacy levels are more confident,
better at identifying profitable opportunities, and more capable of avoiding
fraudulent schemes. The study concludes with recommendations for literacy
improvement programs to bridge existing gaps.
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Pages:399-402
How to cite this article:
Dr. A Vatsala, Dr. N Anitha "Digital and financial literacy and its impact on financial decisions". International Journal of Commerce and Management Research, Vol 12, Issue 3, 2026, Pages 399-402
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