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Economies
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Digital Banking, Financial Inclusion, and Age at Risk
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Digital Banking, Financial Inclusion, and Age at Risk

A special issue of Economies (ISSN 2227-7099). This special issue belongs to the section "Macroeconomics, Monetary Economics, and Financial Markets".

Deadline for manuscript submissions: 31 October 2026 | Viewed by 2383

Editor

Dr. Erika Kovalova

E-Mail Website
Guest Editor
Department of Economics, University of Žilina, Zilina, Slovakia
Interests: corporate finance; financial analysis; reporting; controlling; risk; AI

Special Issue Information

Dear Colleagues,

This Special Issue of Economies, titled “Digital Banking, Financial Inclusion, and Age at Risk”, focuses on the intersection of technological innovation in finance and the challenges of inclusive access across age groups. Its central focus is on how the rapid shift toward digital banking can foster or hinder financial inclusion, particularly for vulnerable populations such as older adults and younger cohorts who may face distinct barriers. The scope of this Special Issue spans both developed and developing economies, examining structural, social, and regulatory factors that shape the adoption of digital services. The purpose is twofold—first, to assess the opportunities digital finance creates for broadening access to essential financial services, and second, to highlight the risks of exclusion or heightened vulnerability when age, digital literacy, or socioeconomic conditions limit participation.

Within the existing literature, this Special Issue positions itself at the intersection of research on financial inclusion, fintech, and demographic risk. Prior work has established the benefits of digital finance for accessibility and efficiency, while also pointing to persistent divides in literacy, infrastructure, and trust. This Special Issue extends that conversation by foregrounding age as a critical dimension, thus contributing to debates on digital inequality, consumer protection, and sustainable inclusion in the evolving financial landscape.

Dr. Erika Kovalova
Guest Editor

Manuscript Submission Information

Manuscripts should be submitted online at www.mdpi.com by registering and logging in to this website. Once you are registered, click here to go to the submission form. Manuscripts can be submitted until the deadline. All submissions that pass pre-check are peer-reviewed. Accepted papers will be published continuously in the journal (as soon as accepted) and will be listed together on the special issue website. Research articles, review articles as well as short communications are invited. For planned papers, a title and short abstract (about 250 words) can be sent to the Editorial Office for assessment.

Submitted manuscripts should not have been published previously, nor be under consideration for publication elsewhere (except conference proceedings papers). All manuscripts are thoroughly refereed through a double-anonymized peer-review process. A guide for authors and other relevant information for submission of manuscripts is available on the Instructions for Authors page. Economies is an international peer-reviewed open access monthly journal published by MDPI.

Please visit the Instructions for Authors page before submitting a manuscript. The Article Processing Charge (APC) for publication in this open access journal is 1800 CHF (Swiss Francs). Submitted papers should be well formatted and use good English. Authors may use MDPI's English editing service prior to publication or during author revisions.

Keywords

  • digital banking
  • financial inclusion
  • age and vulnerability
  • fintech adoption
  • digital divide
  • consumer protection
  • financial literacy
  • sustainable finance

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Published Papers (1 paper)

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Research

23 pages, 373 KB  
Article
From Theory to Debt Decisions: Evidence on Financial Literacy Among University Students
by Erika Kovalova, Pavol Durana, Katarina Zvarikova and Ivana Trulikova
Economies 2026, 14(3), 100; https://doi.org/10.3390/economies14030100 - 20 Mar 2026
Viewed by 1738
Abstract
Financial literacy represents a fundamental competence in contemporary knowledge-based economies, particularly in the context of increasingly complex corporate financing instruments. Insufficient financial literacy may lead to suboptimal debt decisions, inefficient capital structures, and heightened financial vulnerability of firms. The aim of this paper [...] Read more.
Financial literacy represents a fundamental competence in contemporary knowledge-based economies, particularly in the context of increasingly complex corporate financing instruments. Insufficient financial literacy may lead to suboptimal debt decisions, inefficient capital structures, and heightened financial vulnerability of firms. The aim of this paper is to assess the level of financial literacy of university students in the field of corporate debt financing and to identify key determinants influencing the correctness of their responses. The empirical analysis is based on a quantitative questionnaire survey conducted among university students in the Slovak Republic (n = 403) using a convenience sampling approach. The questionnaire included 16 knowledge-based items focused on debt financing instruments, interest mechanisms, leasing, bonds, and alternative sources of financing. Data were analysed using descriptive statistics and inferential methods, primarily Pearson’s χ2 test of independence and Cramer’s V. The results reveal considerable variability in students’ performance across thematic areas. Higher success rates were observed for basic concepts of debt financing and traditional bank products, while lower performance was recorded for analytically demanding tasks, particularly those related to interest rate comparisons, capital market instruments, and alternative financing forms. Field of study emerged as the most significant determinant of financial literacy, followed by the level of study, whereas gender and region showed only marginal effects. The findings highlight the need to strengthen application-oriented financial education in higher education, with a stronger focus on practical aspects of corporate debt financing. Full article
(This article belongs to the Special Issue Digital Banking, Financial Inclusion, and Age at Risk)
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