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<p>The concept of digital financial literacy (DFL) is essential in navigating the complicated digital financial environment. Prior research, however, lacks adequate information about user heterogeneity and integrated models that can connect DFL to customer segmentation and financial decision outcomes. With this in mind, the current paper attempts to conceptualise DFL using the multidimensional definition of the concept, encompassing four major aspects: knowledge, awareness, behaviour, and confidence. Next, the study aims to examine the influence of DFL on financial decision-making and determine differences in financial decision outcomes among different types of customers. To do so, an empirical data-driven customer segmentation technique will be used to classify customers based on their digital financial literacy and ability to make rational decisions. Three segments will be identified: financially vulnerable users, developing digital users, and digitally empowered users. Finally, this research intends to examine financial decision outcomes among customers belonging to each segment. Specifically, differences in planning, knowledge application, and financial behaviour will be evaluated. This research adds value to existing literature through an integrated analysis of multidimensional DFL, behavioural segmentation, and financial decision outcomes.</p>

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Customer segmentation based on data for responsible digital finance: digital financial literacy and financial decision outcomes

  • 期刊论文

  • 发表日期：

    2026年5月19日

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  • Mansi Yadav,
  • Priyanka Banerji,
  • Nidhi Malik

摘要

The concept of digital financial literacy (DFL) is essential in navigating the complicated digital financial environment. Prior research, however, lacks adequate information about user heterogeneity and integrated models that can connect DFL to customer segmentation and financial decision outcomes. With this in mind, the current paper attempts to conceptualise DFL using the multidimensional definition of the concept, encompassing four major aspects: knowledge, awareness, behaviour, and confidence. Next, the study aims to examine the influence of DFL on financial decision-making and determine differences in financial decision outcomes among different types of customers. To do so, an empirical data-driven customer segmentation technique will be used to classify customers based on their digital financial literacy and ability to make rational decisions. Three segments will be identified: financially vulnerable users, developing digital users, and digitally empowered users. Finally, this research intends to examine financial decision outcomes among customers belonging to each segment. Specifically, differences in planning, knowledge application, and financial behaviour will be evaluated. This research adds value to existing literature through an integrated analysis of multidimensional DFL, behavioural segmentation, and financial decision outcomes.