Managing digital assets on death and disability: An examination of the determinants of digital asset planning literacy

IF 2 4区管理学 Q3 BUSINESS

Australian Journal of Management Pub Date : 2023-02-28 DOI:10.1177/03128962231157005

A. Steen, Chris Graves, Steven D’Alessandro, Henry X. Shi

引用次数: 0

Abstract

Despite its increasing importance, digital financial literacy (DFL) is yet to be adequately understood. This article reports on one aspect of DFL, namely, digital asset planning literacy (DAPL) which is an individual’s awareness of what happens to their digital assets on their death or incapacity. Our results from Australia and Singapore suggest that single, less-educated women are less likely to possess DAPL, and that the number of digital assets is negatively associated with DAPL, while having a Will is positively related to DAPL. With this study, we put forward that financial education should include consumer rights regarding digital financial assets. JEL Classification: D14; G53; G50; J12; J16

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关于死亡和残疾的数字资产管理：数字资产规划素养的决定因素研究

尽管数字金融素养（DFL）的重要性越来越大，但它还没有得到充分的理解。本文报道了DFL的一个方面，即数字资产规划素养（DAPL），即个人对其数字资产在死亡或丧失工作能力时会发生什么的意识。我们在澳大利亚和新加坡的研究结果表明，单身、受教育程度较低的女性拥有DAPL的可能性较小，数字资产的数量与DAPL呈负相关，而拥有遗嘱与DAPL呈正相关。通过本研究，我们提出金融教育应包括数字金融资产的消费者权益。JEL分类：D14；G53；G50；J12；J16

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Australian Journal of Management Multiple-

CiteScore

10.60

自引率

4.20%

发文量

期刊介绍： The objectives of the Australian Journal of Management are to encourage and publish research in the field of management. The terms management and research are both broadly defined. The former includes the management of firms, groups, industries, regulatory bodies, government, and other institutions. The latter encompasses both discipline- and problem-based research. Consistent with the policy, the Australian Journal of Management publishes research in accounting, applied economics, finance, industrial relations, political science, psychology, statistics, and other disciplines, provided the application is to management, as well as research in areas such as marketing, corporate strategy, operations management, organisation development, decision analysis, and other problem-focuses paradigms.