International Journal of Finance & Managerial Accounting

International Journal of Finance & Managerial Accounting

Identifying and ranking factors affecting the development of digital financial literacy in technological businesses using the fuzzy ANP technique

Document Type : Original Article

Authors
Navid Afshari 1
Fereydon Rahnamay Roodposhti 2
Gholamreza Zomorrodian 1
1 Department of Financial Management, Central Tehran Branch, Islamic Azad University, Tehran, Iran
2 Department of Accounting, Science and Research Branch, Islamic Azad University, Tehran, Iran
10.22034/ijfma.2025.78087.2200
Abstract
This study Identifies and prioritizes the components of digital financial literacy using fuzzy network analysis. Having digital financial literacy helps individuals to step into this space with more confidence and take advantage of the financial opportunities available in the digital world, while also being aware of its risks and challenges. The statistical population of this study is managers and experts in the field of financial literacy and financial technology businesses in Tehran. The present study is a survey and applied type. The research method is a mixed method (quantitative-qualitative) in which 12 experts were identified in the qualitative section and interviews were conducted to identify effective components. In the quantitative part, using the fuzzy ANP technique, the identified components were prioritized based on the experts' views in two stages using pairwise comparisons. The results indicate that the most important factor affecting digital financial literacy is financial technologies, the most important component of which was digital literacy; in second place was formal financial education, the most important component of which was financial knowledge education; in third place was financial socialization (informal education), the most important component of which was peer influence; and in last place was financial experience, the most important component of which was work experience. Suggestions were made in this regard.
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