employee
employee
This article presents the results of an empirical study conducted among first-year students at Omsk State Agrarian University (N=276). The aim of the study was to test the hypothesis that prior participation in educational events on financial literacy has a positive impact on behavioral patterns and self-assessed digital financial security competencies. Based on contingency table analysis and Pearson's chi-square test, a statistically significant relationship was found between educational experience and the choice of correct action algorithms when a bank card is lost (χ² = 14.27; p < 0.001; Cramer's V = 0.23). The impact on the ability to recognize phishing attacks and on subjective assessments of awareness was less pronounced. This study concludes that it is necessary to systematically integrate anti-fraud modules into educational programs.
financial literacy, digital risks, phishing, financial security, educational interventions, students, empirical research
1. Bogoslavceva, L. V. Neobhodimost' povysheniya finansovoy gramotnosti naseleniya s uchetom cifrovoy transformacii gosudarstva / L. V. Bogoslavceva // 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. 116-119. – EDN NFAZTK.
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. 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.
4. Liksina, E. V. «Akademiya finansov»: cifrovoy instrument dlya povysheniya finansovoy gramotnosti studentov / E. V. Liksina, K. A. Borisova, M. A. Mischenko // Sociosfera. – 2025. – № 3. – S. 171-173. – EDN UDPJES.
5. Nazarova, E. N. Razvitie mezhdunarodnyh standartov cifrovoy finansovoy gramotnosti: vyzovy i vozmozhnosti dlya rossiyskoy sistemy obrazovaniya / E. N. Nazarova, N. A. Gorev // Cifrovaya ekonomika: problemy i perspektivy razvitiya : sbornik nauchnyh statey 7-y Mezhdunarodnoy nauchno-prakticheskoy konferencii, v 2-h tomah, Kursk, 10 oktyabrya 2025 goda. – Kursk: Zakrytoe akcionernoe obschestvo "Universitetskaya kniga", 2025. – S. 125-128. – EDN NXAISK.
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.
10. Frik, O. V. Problemy i perspektivy formirovaniya finansovoy kul'tury u obuchayuscheysya molodezhi v sisteme vysshego obrazovaniya / O. V. Frik // 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. 54-56. – EDN ZSFCHA.
