Figure 4
A bar graph showing the importance of different variables in a Random Forest model.The x-axis lists variables and the y-axis measures the percent increase in mean squared error. DFL pure has the highest importance at 47.6 percent, followed by education level at 28.2 percent, age number at 26.2 percent, income level per month at 19.3 percent, and gender at 7.5 percent.

Random Forest variable importance identifies digital financial literacy as the strongest predictor of digital financial practices, followed by education and age. Source: Authors’ own work

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