The turbulent changes of the 21st century have
affected all aspects of our lives. The digital revolution, driven by the
fourth industrial revolution, has created new platforms for
economic players to work, interact socially and administer.
However, preparedness for digitalisation and thriving in the digital
space is not a basic skill for all sectors, and there are significant
differences between generations. All of this feeds into another key
problem of the 21st century, which is called financial exclusion.
Access to the digital space varies significantly across countries,
regions within countries and generations. The objective of this
paper is to examine the phenomenon of financial exclusion and the
problems that arise from it, paving the way towards possible
solutions.
