The Role of Digital Skills in Household Finance: Micro Evidence from Turkey

This study aims to investigate the digital skills and socioeconomic factors that may affect household finance utilization. In this direction, while focusing on the use of financial assets for household finance carried out for specific purposes and through digital channels, it is also taken into consideration that the sale of goods and/or services realized by the household can be an additional finance alternative. The findings obtained by using the logit model through the 2021 Household ICT Usage Survey Microdata set provided by Turkstat show that household use of finance can increase with education, income, and labor force participation. Moreover, it is understood that digital skills such as spreadsheets, using formulas, and online learning can clearly affect the use of finance by households seeking to achieve their economic goals.