Digital innovations are transforming financial services and resulting changes in consumer behavior and personal money management. Diffusion of pervasive digital technologies offers individuals quick and easy access to various digital services bringing opportunities and challenges into their personal money management. The study aimed to explore how digitalization affects individuals' financial literacy and financial capability. As a result, we identified three main themes in the intersection of finance and digitalization: Fintech, Financial behavior in digital environments, and Behavioral interventions. We propose directions for measuring digital financial literacy, updates to the financial literacy curriculum, and developments of digital learning tools. Further, we highlight collaboration between the public and private sectors to create a fairer and more inclusive economic landscape. Our study contributes to existing research by proposing a framework for digital financial literacy and financial capability and a research agenda for future studies.

中文翻译：

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数字时代的金融素养——研究议程

数字创新正在改变金融服务，并导致消费者行为和个人理财发生变化。无处不在的数字技术的传播使个人能够快速、轻松地访问各种数字服务，为他们的个人理财带来机遇和挑战。该研究旨在探讨数字化如何影响个人的金融知识和金融能力。因此，我们确定了金融与数字化交叉领域的三个主要主题：金融科技、数字环境中的金融行为和行为干预。我们提出了衡量数字金融素养的方向、金融素养课程的更新以及数字学习工具的开发。更远，我们强调公共和私营部门之间的合作，以创造更公平和更具包容性的经济格局。我们的研究通过提出数字金融知识和金融能力的框架以及未来研究的研究议程，为现有研究做出贡献。