Multilevel IRT models to explore heterogeneity in subjective financial knowledge at individual and regional levels: the Italian case
Rosa Fabbricatore,
Lucio Palazzo
Abstract:IntroductionModern FinTech tools (e.g., instant payments, blockchain, roboadvisor) represent the new frontier of digital finance. Consequently, the evaluation of the knowledge level of the population about these topics is a crucial concern. In this context, several exogenous factors may influence individual differences in financial literacy. In particular, the territorial characteristics can have an impact on FinTech. In this work, we investigate individual heterogeneity in subjective financial knowledge in It… Show more
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