The effect of financial and digital literacy level on crypto currency market investments: The case of Uşak University

In the 21st century, with the increase in the needs of the individual, many new areas have emerged in order to meet their needs. One of these areas is money. The process, which started with barter, continued by transforming into virtual currencies. A long with the financial crises in the developing world, market conditions have brought about changes in the demographic structure of the people. Changes that have taken place have revealed that individuals need to develop in finance. They found this in learning the concepts related to finance, that is, in the case of being literate. If we are both literate and financially and digitally literate, everything we do in daily life (such as grocery shopping, taking loans, buying and selling in virtual markets) will help a person a lot when performing monetary activities. The concept of literacy means the whole of a person's ability to write, comprehend, understand and explain a written word or sentence. Financial and digital literacy is the ability to understand financial and digital terms, manage money, make financial decisions, and properly define, manage, evaluate, and analyze digital resources. In this master's thesis, a sample was created by applying a questionnaire to 214 number of students from Uşak University. The results of the survey administered to the students were analyzed and various tests were applied. These tests were performed sequentially reliability, normality, non-parametrik and correlation tests. It was tried to determine the effect of students' financial literacy and digital literacy levels on cryptocurrency market investment was investigated in the light of the data obtained. According to the results of the research, there is no difference between the departments of the students. It was analyzed that there is a significant difference between digital literacy and cryptocurrency market for classes, but there is no significant difference between financial literacy and cryptocurrency market. For gender, there is no significant difference between financial literacy and digital literacy, but it can be concluded that the relationship between gender and cryptocurrency market investment decision is statistically significant. Keywords: Financial literacy, Digital literacy, Crypto currency