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2021, vol. 67, br. 4, str. 55-64
Socio-demografske karakteristike korisnika digitalnih finansijskih usluga - iskustva iz Republike Srbije
aInstitut ekonomskih nauka, Beograd
bUniverzitet u Prištini sa privremenim sedištem u Kosovskoj Mitrovici, Ekonomski fakultet

e-adresaisidora.ljumovic@ien.bg.ac.rs, krsto.jaksic@pr.ac.rs, slavisa.trajkovic@pr.ac.rs
Sažetak
S obzirom na značaj digitalnih finansijskih usluga na finansijsku inkluziju autori su ispitivali socio-demografske karakteristike korisnika digitalnih finansijskih usluga u Republici Srbiji. Autori su pretpostavili da su starost, obrazovanje, zaposlenje i prihodi ključne socio-demografske karakteristike koje utiču na upotrebu digitalnih finansijskih usluga. Za analizu socio-demografskih karakteristika korisnika digitalnih finansijskih usluga u Republici Srbiji korišćena je baza podataka Global Findex Svetske Banke sa uzorkom od 1000 stanovnika starijih od 15 godina. Da bi testirali razlike među karakteristikama korisnika digitalnih finansijskih usluga primenjen je t-test programom SPSS v25. Rezultati pokazuju razliku među većinom analiziranih karakteristika. Sve analizirane socio-demografske karakteristike osim pola i prihoda, su statistički značajne. Pre svega, značajna je razlika u starosti korisnika digitalnih finansijskih usluga i onih koji ne koriste digitalne finansijske usluge. Takođe, korisnici digitalnih finansijskih usluga imaju viši nivo obrazovanja i češće su zaposleni. Na osnovu rezultata moguće je zaključiti da je prosečan korisnik digitalnih finansijskih usluga mlađi, obrazovaniji, češće zaposlen i učestalije koristi razne bankarske usluge, kao što su kreditne i debitne kartice, štednja i zaduživanje u odnosu na populaciju koja ne koristi ove usluge.
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O članku

jezik rada: engleski
vrsta rada: izvorni naučni članak
DOI: 10.5937/ekonomika2104055L
primljen: 24.09.2021.
prihvaćen: 14.10.2021.
objavljen u SCIndeksu: 12.01.2022.
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