Variables definition
| Code | Definition |
|---|---|
| Digital financial behavior (DFB) | The cumulative number of positive responses provided to inquiries regarding the attainment of active financial behavior through the utilization of financial services and instruments through the digital platform, with a response range of 0–9 |
| Financial knowledge (FK) | The cumulative number of correct responses provided to a set of five financial knowledge inquiries (Lusardi and Mitchell, 2008, 2011) measured on a scale of 0–5 |
| Digital literacy (DL) | The cumulative number of correct answers provided to questions aimed at assessing the level of digital literacy (Kass-Hanna et al., 2021) measured on a scale of 0–9 |
| Cryptocurrency literacy (CL) | The cumulative number of correct answers provided for five statements pertaining to cryptocurrencies (ING, 2019) measured on a scale of 0–5 |
| Perfect automation schema (PAS) | The High Expectations dimension of the PAS pertains to the perceived level of reliability exhibited by automated systems, which is assessed using a set of four items ranging from 1 to 5 |
| Gender | Dichotomous variable taking value 1 if the subject is female, 0 otherwise |
| Age | The age distribution of the respondents has been appropriately divided into the following categories: 18–24, 25–34, 35–44, 45–54 and 55 and above |
| Education | The level of education of the subjects is assessed based on the following categories: baccalaureate or below, unfinished university studies, bachelor’s degree and master’s or doctoral degrees |
| Income | The income level of the subjects is categorized as follows: up to 14,000 euro, 15,000–28,000 euro, 29,000–55,000 euro, 56,000–75,000 euro and more than 76,000 euro |
| Marital status | The marital status of the respondent falls into one of the following categories: single, widow (er), divorced, married (cohabitant) |
| Code | Definition |
|---|---|
| Digital financial behavior ( | The cumulative number of positive responses provided to inquiries regarding the attainment of active financial behavior through the utilization of financial services and instruments through the digital platform, with a response range of 0–9 |
| Financial knowledge ( | The cumulative number of correct responses provided to a set of five financial knowledge inquiries ( |
| Digital literacy ( | The cumulative number of correct answers provided to questions aimed at assessing the level of digital literacy ( |
| Cryptocurrency literacy ( | The cumulative number of correct answers provided for five statements pertaining to cryptocurrencies ( |
| Perfect automation schema ( | The High Expectations dimension of the |
| Gender | Dichotomous variable taking value 1 if the subject is female, 0 otherwise |
| Age | The age distribution of the respondents has been appropriately divided into the following categories: 18–24, 25–34, 35–44, 45–54 and 55 and above |
| Education | The level of education of the subjects is assessed based on the following categories: baccalaureate or below, unfinished university studies, bachelor’s degree and master’s or doctoral degrees |
| Income | The income level of the subjects is categorized as follows: up to 14,000 euro, 15,000–28,000 euro, 29,000–55,000 euro, 56,000–75,000 euro and more than 76,000 euro |
| Marital status | The marital status of the respondent falls into one of the following categories: single, widow (er), divorced, married (cohabitant) |
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