A research on digital financial literacy and islamic financial literacy levels of university students: the case of Artvin Çoruh University

This study examined the Digital Financial Literacy (DFL) and Islamic Financial Literacy (IFL) levels of Artvin Coruh University students. A survey was administered to students actively enrolled in courses during the fall semester of the 2024-2025 academic year, and 364 surveys were completed. The survey data was analyzed using SPSS, and the findings revealed a significant difference in students' IFL levels based solely on age. No significant differences were observed based on other demographic variables, and students provided similar responses. The study also analyzed the frequency and percentage distributions of DFL levels based on students' demographic information, based on their knowledge of Digital Financial Services and Products (DFHÜ) and their use of the service/products. The analysis revealed that mobile banking was the most preferred service and product for learning about and using DFHÜ. Of these products, the least knowledge was found regarding crowdfunding, and the least use of electronic checks was also found.