employee
employee
With the rapid digitalization of the financial sector, the financial behavior patterns of the younger generation are undergoing a transformation. Students, representing Generation Z, are key adopters of digital services; however, their underlying behavioral attitudes and potential risks require detailed scientific understanding. The objective of the study was to identify and analyze the structure of digital financial habits and the underlying behavioral attitudes among first-year students at an agricultural university. Key findings: first, a high level of routinization of basic digital transactions was established; second, the pragmatic and transactional nature of financial activity was revealed; third, a paradox was discovered between technological engagement and the weak development of financial planning habits; fourth, conservative attitudes toward credit products and a high level of awareness of basic digital security rules (what to do if a card is lost) were identified.
digital financial habits, behavioral attitudes, students, Generation Z, financial literacy, online surveys, digitalization
1. Vovchenko, N. G. Formirovanie cifrovoy finansovoy gramotnosti naseleniya - klyuch k finansovomu i tehnologicheskomu suverenitetu Rossii / N. G. Vovchenko, M. B. Stryukov, O. V. Andreeva // K finansovoy kul'ture cherez volonterstvo, vospitanie i prosveschenie : Materialy I Oblastnogo foruma po finansovoy gramotnosti, Rostov-na-Donu, 24–25 aprelya 2025 goda. – Rostov-na-Donu: Izdatel'sko-poligraficheskiy kompleks RGEU (RINH), 2025. – S. 29-33. – EDN VPQISZ.
2. Gimranova, G. H. Cifrovaya finansovaya gramotnost' v epohu cifrovoy transformacii ekonomiki / G. H. Gimranova // Ekonomika i upravlenie: nauchno-prakticheskiy zhurnal. – 2021. – № 1(157). – S. 98-102. – DOIhttps://doi.org/10.34773/EU.2021.1.20. – EDN JJFIBB.
3. Masyuk, N. N. Cifrovaya finansovaya gramotnost' i cifrovye finansovye kompetencii v upravlenii znaniyami / N. N. Masyuk, A. A. Gerasimova, M. A. Bushueva // Kreativnaya ekonomika. – 2023. – T. 17, № 5. – S. 1637-1654. – DOIhttps://doi.org/10.18334/ce.17.5.117759. – EDN QJYLKP.
4. Gun'kov, Ya. V. Razvitie cifrovyh finansovyh tehnologiy i rost roli cifrovoy finansovoy gramotnosti / Ya. V. Gun'kov, D. Yu. Semushkin // Finansovaya gramotnost' naseleniya: problemy, regional'nye praktiki i perspektivy razvitiya : Sbornik nauchnyh statey po materialam II Mezhregional'noy nauchno-prakticheskoy konferencii, Kaluga, 21 oktyabrya 2022 goda / Pod redakciey V.A. Matchinova, O.N. Suslyakovoy. – Kaluga: Kaluzhskiy filial federal'nogo gosudarstvennogo byudzhetnogo uchrezhdeniya vysshego obrazovaniya «Finansovyy universitet pri Pravitel'stve Rossiyskoy Federacii», 2022. – S. 258-264. – EDN DWXQTZ.
5. Mickevich, K. A. Cifrovaya finansovaya gramotnost' kak prioritetnoe napravlenie dlya obespecheniya cifrovogo suvereniteta Rossiyskoy Federacii / K. A. Mickevich, K. I. Kraenkova // Cifrovaya paradigma informacionno-analiticheskogo obespecheniya uchetnyh i finansovyh processov v otraslevyh ekonomikah : Sbornik trudov Mezhdunarodnogo simpoziuma, Sankt-Peterburg, 04 aprelya 2025 goda. – Sankt-Peterburg: Peterburgskiy gosudarstvennyy universitet putey soobscheniya Imperatora Aleksandra I, 2025. – S. 88-92. – EDN WYMUMO.
6. Frik, O. V. Issledovanie finansovoy gramotnosti studencheskoy molodezhi agrarnogo vuza cherez prizmu samoocenki // Ekonomika, predprinimatel'stvo i pravo. – 2025. – T. 15, № 6. – S. 4381-4394. – DOIhttps://doi.org/10.18334/epp.15.6.123135. – EDN DBDXSK.
7. Frik, O. V., Evdohina, O.S. Osobennosti formirovaniya sberegatel'nyh i investicionnyh strategiy u studentov agrarnogo vuza v kontekste finansovogo povedeniya // Ekonomika, predprinimatel'stvo i pravo. – 2025. – T. 15, № 7. – S. 5051-5066. – DOIhttps://doi.org/10.18334/epp.15.7.123354. – EDN TZOPIQ.
8. Frik, O. V. Issledovanie voprosov finansovoy gramotnosti studenchestva v kontekste racional'nogo upravleniya personal'nymi resursami i strategicheskogo finansovogo myshleniya // Katalog nauchnyh razrabotok FGBOU VO "Omskiy gosudarstvennyy agrarnyy universitet im. P.A. Stolypina". Seriya "Gumanitarnye nauki" : Sbornik statey. – Omsk : Omskiy gosudarstvennyy agrarnyy universitet im. P.A. Stolypina, 2025. – S. 52-54. – EDN OLEMWO.
9. Frik, O. V. Razvitie finansovoy kul'tury studentov cherez integraciyu sovremennyh obrazovatel'nyh tehnologiy v vuze // Katalog nauchnyh razrabotok FGBOU VO "Omskiy gosudarstvennyy agrarnyy universitet im. P.A. Stolypina". Seriya "Gumanitarnye nauki" : Sbornik statey. – Omsk : Omskiy gosudarstvennyy agrarnyy universitet im. P.A. Stolypina, 2025. – S. 56-58. – EDN QRXGDA.
