International project • V4 focus • Digital financial resilience

Digital skills that protect financial decisions — across the V4.

The project develops a practical, evidence-based framework to measure and improve financial digital literacy—the ability to navigate modern digital financial services, recognize manipulative content, and make safe, informed choices in online environments.

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Scope V4 countries • universities, educators, and general public

Core pillars Measurement • education toolkit • scalable digital platform

Focus Behavioral risks, online misinformation, and decision support in personal finance

Methods Text & sentiment analytics, ML, and decision-analytics frameworks for policy and practice

About the project

Digital finance is now the default—payments, investing apps, online lending, and platform-based services. This shift creates new opportunities, but also new vulnerabilities: scams, dark patterns, pseudo-advice, and misinformation that can amplify risky behavior and financial loss.

Our project addresses these challenges by combining economic and behavioral perspectives with data-driven methods. We aim to deliver tools that are useful not only for researchers, but also for educators, institutions, and policy makers.

platform economy consumer finance misinformation risk behavioral signals decision support V4 comparability

Quick facts

Project title: Enhancing Financial Digital Literacy in the V4

Tagline: Building Digital Competencies for Financial Security

Theme: Digital transformation, skills, and trust in financial ecosystems

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Main objectives

Develop a clear, comparable definition of financial digital literacy for the V4 context.
Design a measurement approach (index + questionnaire) capturing skills, biases, and exposure to digital risks.
Create educational modules and practical guidance for universities, educators, and the public.
Provide a scalable digital toolset enabling evidence-based interventions and monitoring.

Why it matters (economic angle)

Lower trust and higher information frictions increase transaction and screening costs in financial markets.
Misinformation can distort financial choices, asset allocation, and household welfare—especially online.
Better digital financial literacy supports resilience, reduces consumer harm, and strengthens the ecosystem.

Work packages (draft structure)

WP1 — Concept & Framework

Define financial digital literacy for the V4 and map key risk channels (platform design, misinformation, behavioral biases).

WP2 — Measurement & Index

Design the index, survey modules, and a validation strategy to ensure cross-country comparability.

WP3 — Data & Analytics

Use modern analytics (incl. text/sentiment signals where relevant) to understand risk exposure and decision patterns.

WP4 — Education Toolkit

Create practical modules, case studies, and exercises for higher education and public-facing learning.

WP5 — Digital Platform

Implement a web-based interface for learning, self-assessment, and dissemination of results.

WP6 — Dissemination & Policy

Translate results into actionable recommendations for institutions, educators, and policy stakeholders.

Planned outputs

Financial Digital Literacy Index (V4-ready) + methodology.
Survey instrument and documentation for replication.
Educational toolkit (modules, case studies, exercises).
Online platform for self-assessment and learning.
Academic papers and practitioner-oriented briefs.

Impact (what success looks like)

Better identification of vulnerable groups and risk drivers in digital finance.
Evidence-based improvements in education and training content.
Stronger resilience against scams, manipulation, and misinformation.
Higher trust and more efficient decision-making within the financial ecosystem.

Partners (placeholders)

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News

Project approved / launched Short note about the start of the project and next steps. (Replace with your real update.)

First workshop / meeting Announcement of the first cross-country coordination meeting and initial deliverables.

Survey preparation Information about survey pilot, sampling strategy, and timeline.

Press / downloads

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Events

Use this section for workshops, webinars, invited talks, and training sessions. Example structure:

Kick-off meeting — date, city/online, brief agenda
Methodology workshop — date, target audience (educators / policy / students)
Public webinar — date, theme (digital scams, misinformation, safe investing online)

Resources

This repository section can host open materials (where applicable): definitions, checklists, short guides, datasets (if sharable), and teaching materials. If some materials are restricted, you can still provide public summaries and contact details for access requests.

glossary teaching slides case studies survey documentation policy briefs open science (where possible)

Contact

Project coordination: (name), (institution)

Email: (email)

Address: (address)

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Acknowledgement

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Tip: keep a short public version for the website + a full official version for PDFs/presentations.