The digital skills conducive to using the Internet and mobile banking services in light of nationwide own research results

Adamek, Jacek; Solarz, Małgorzata

doi:10.15611/pn.2020.6.01

Cited by 2 publications

(1 citation statement)

References 4 publications

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“…The Ministry of Digitization (2020) has prepared the Digital Competence Development Program until 2030 aimed at an ongoing increase in the level of digital competences by providing every Pole with the possibility of their development according to individual needs, which ultimately is supposed to contribute towards building an inclusive, open and modern society, and thus a better quality of life for the citizens. Obviously, through education the state develops general digital skills of its citizens, but as the results of the research conducted by the authors have shown -people with higher general digital skills also have higher skills used in online and mobile banking (Adamek & Solarz, 2020). The latter should be developed by banks, e.g., as part of Corporate Social Responsibility (CSR), which nowadays is extended to include Corporate Digital Responsibility (CDR) (see Lobschat et al, 2019).…”

Section: Discussionmentioning

confidence: 99%

Determinants of digital financial exclusion as a barrier to the adoption of mobile banking services in Poland

Solarz

Adamek²

2022

EiP

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Motivation: the contemporary phenomenon of financial exclusion, in the sphere of its reasons, consequences and activities aimed at its reduction can be connected, e.g., with using new technologies and financial innovations. The new dimension of such exclusion is created by the digital financial exclusion developed through a diverse set of behavioral, environmental and demographic factors. Their identification and analysis has become an essential activity influencing, e.g., the effectiveness of selective choice and application of proper tools to reduce this exclusion. Aim: identification and assessment of the determinants related to digital financial exclusion as a barrier in the adoption of mobile banking services, considered from the perspective of their impact on the segmentation of the analysed population. Results: the ranking, identified by the authors, regarding the importance of predictors indicated that the dependent variable — Y (i.e. people who have an online bank account classified based on the mobile forms of its use) is most influenced by the generation factor — X4 (1.0), followed by: personal innovativeness — X2 (0.92), digital skills — X1 (0.90) and the perceived risks of new technologies — X3 (0.66).

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Section: Discussionmentioning

confidence: 99%

Determinants of digital financial exclusion as a barrier to the adoption of mobile banking services in Poland

Solarz

Adamek²

2022

EiP

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Polska wobec wyzwań Cyfrowego Kompasu na 2030 rok - aspekt umiejętności cyfrowych

Gołaszewska-Kaczan,

Kuzionko-Ochrymiuk

2023

Optimum

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Purpose – An attempt to assess the level of digital skills of the Polish society in relation to the assumptions adopted by the European Commission in 2021 in the document ‘Digital Compass 2030’. It was agreed at the EU forum that by 2030, at least 80% of the population in the EU countries will have basic digital skills, and the number of specialists in the field of ICT will be 20 million, with a greater gender balance (within ICT‑related professions). These are very ambitious goals that should also be achieved by Poland. In view of the above, the authors decided that it is necessary to define what the starting point for the implementation of the above‑mentioned tasks is, and thus how the current situation in our country is shaped in terms of the indicated areas. Research method – The study analyzes data from DESI (Digical Economy and Society Index) reports and Eurostat reports, and uses the results of selected studies on the analyzed issues. Conclusions – The analysis showed that the achievement of the goals set by the European Commission will be a great challenge for the country. Already at the starting point, i.e. in 2021, Poland is far behind compared to other EU countries. The level of digital skills of the Polish society is one of the lowest among the EU countries. Poland also has too few ICT specialists, with a large gender imbalance (in favor of men). Originality / value / implications / recommendations – The article showed that Polish society has too low a level of digital skills to take full advantage of the facilities related to the development of the digital economy. In this situation, it seems necessary to take decisive actions addressed to groups with different levels of digital skills, with particular emphasis on actions for digital inclusion, and to place particular emphasis on the further development of education for specialists in the field of ICT.

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The digital skills conducive to using the Internet and mobile banking services in light of nationwide own research results

Abstract: The digital skills conducive to using the internet and mobile banking services in light of nationwide own research results.

Cited by 2 publications

References 4 publications

Determinants of digital financial exclusion as a barrier to the adoption of mobile banking services in Poland

Determinants of digital financial exclusion as a barrier to the adoption of mobile banking services in Poland

Polska wobec wyzwań Cyfrowego Kompasu na 2030 rok - aspekt umiejętności cyfrowych

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