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#5376. Financial literacy and its influence on internet banking behavior

August 2026	publication date
Proposal available till	13-05-2025
4 total number of authors per manuscript	0 $

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Journal’s subject area:

Strategy and Management;

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Abstract:
This paper presents the survey results for financial literacy among Cypriot adults and reports their financial aptitude and behaviour. Additionally, it investigates for the first time the implications of financial literacy on respondents’ usage of digital financial services, particularly internet banking (i-banking). The focus is on Cyprus, a country that experienced an unprecedented financial crisis in 20XX that resulted in a bail-in and an enormous subsequent shrinkage of the banking sector. Cypriot consumers face an ever-increasing need for financial sophistication to effectively utilise and manage digital banking services. Neverthless, financial literacy is still low in Cyprus, whereby only 37.33% of survey respondents showed proficiency in financial knowledge.
Keywords:
Digital literacy; Financial innovation; Financial literacy; Internet banking; Personal finance

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