20.500.12556/ReVIS-14243 The role of literacy in the digital economy: a comparative study of economic and digital literacies in Croatia doctoral dissertation Vloga pismenosti v digitalni ekonomiji: primerjalna študija ekonomske in digitalne pismenosti na Hrvaškem doktorska disertacija Digital economy in its broad scope entails manifestation of e-Business, e-Commerce, Industry 4.0 and algorithmic economy, requiring from the individual’s possession of variety of knowledge and skills to call oneself literate in the digital age. This thesis examines two of the literacies shown through the literature as being important for the augmentation of digital economy – digital literacy and economic literacy. Economic literacy and digital literacy are complementing one another in providing the set of skills which are important for modern digital economy and information society. The aim of this research is to contribute to the literature on digital economies by addressing the research gap existing in examination of the literacies important for the enhancement and augmentation of skills needed for the digital economies to be enlarged – economic and digital literacy. This research wanted to give scientific contribution by researching countries outside the US and Western Europe, specifically Croatia and providing a theoretical model of predictors of economic and digital literacy. To do so, large-scale research on the representative sample in Croatia has been undertaken by means of Test of Economic Literacy, 4th version (TEL4) and Internets Skills Scale test which have been validated and/or translated and adopted for Croatian setting. Hypothesis were also formed, related to age, gender and various educational and socio-economic factors influencing economic and digital literacy. Results show that age, education, economic status, income and paternal (mother’s education) mattered with respect to digital and economic literacy. Results of hypotheses testing fortified with literature review findings served in forming of predictive models of economic and digital literacy. Age and education together with selected socio-economic factors were shown to be statistically significant predictors, however they explained rather modest portion of the variance in economic and digital literacy, emphasizing the multifaceted and complex nature of these literacies. Policy recommendations and possible future research venues were offered. Digitalna ekonomija v svojem širokem obsegu vključuje manifestacijo e-poslovanja, e-trgovine, industrije 4.0 in algoritemske ekonomije, ki od posameznika zahteva raznovrstno znanje in veščine, da se v digitalni dobi lahko imenuje pismen. V tem doktorskem delu obravnavamo dve izmed pismenosti, za katere je literatura pokazala, da sta pomembni za povečanje in izboljšanje digitalne ekonomije – digitalno pismenost in ekonomsko pismenost. Namen te raziskave je prispevati k literaturi o digitalnih ekonomijah z obravnavanjem raziskovalne vrzeli, ki obstaja pri preučevanju pismenosti, pomembnih za krepitev in povečanje spretnosti 21. stoletja, potrebnih za širitev digitalnih ekonomij – namreč ekonomske in digitalne pismenosti, njune medsebojne povezanosti, ravni in dejavnikov. Ta raziskava je želela dati znanstveni prispevek z raziskovanjem držav zunaj ZDA in Zahodne Evrope, zlasti Hrvaške, in zagotavljanjem teoretičnega modela prediktorjev ekonomske in digitalne pismenosti. Na reprezentativnem vzorcu na Hrvaškem je opravljena obsežna raziskava s testom ekonomske pismenosti, 4. različica (TEL4), in testom lestvice internetnih spretnosti (ISS), ki sta bila validirana in/ali prevedena in sprejeta za hrvaško okolje. Oblikovane so bile tudi hipoteze, povezane s starostjo, spolom ter z različnimi izobraževalnimi in s socialno-ekonomskimi dejavniki, ki vplivajo na ekonomsko in digitalno pismenost. Rezultati kažejo, da so starost, izobrazba, ekonomski status, dohodek in materina izobrazba pomembni pri digitalni in ekonomski pismenosti. Rezultati testiranja hipotez, podkrepljeni z ugotovitvami pregleda literature, so služili pri oblikovanju napovednih modelov ekonomske in digitalne pismenosti. Starost, izobrazba in drugi socialno-ekonomski dejavniki so se izkazali za statistično pomembne napovednike, vendar so pojasnili precej skromen delež variance v ekonomski in digitalni pismenosti, s čimer so poudarili večplastnost in kompleksnost teh pismenosti. Ponujena so bila politična priporočila in možna prihodnja raziskovalna mesta. economic literacy digital literacy digital economy TEL4 ISS ekonomska pismenost digitalna pismenost digitalna ekonomija TEL4 ISS true true false R. Jurković Angleški jezik Slovenski jezik Doktorsko delo/naloga 2026-07-14 10:53:38 2026-07-14 10:53:38 2026-07-15 03:18:04 0000-00-00 00:00:00 2026 0 Novo mesto 2026 Novo mesto Na ov.: Doctoral dissertation; XVII, 405 str. 0000-00-00 Zaloznikova Objavljeno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 33:37.011.22(043.2) 284664067 DR_Jurkovic_Ratka_2026.pdf DR_Jurkovic_Ratka_2026.pdf 1 43672E8EE4F689E6AF3F22B3D25937ED a4014a60c0a8aa911b67f527c34e766f25d704c7500c2b0d573bf67af96fc847 5ad4a41f-7f62-11f1-b063-001a4af901a5 https://revis.openscience.si/Dokument.php?lang=slv&id=17271 Fakulteta za informacijske študije v Novem mestu 0 0 0