Different views on sustainable investments, socially responsible investments and the relevance of environmental, social and governance criteria from private investors’ perspectives were analyzed to identify factors influencing investment decisions in favour of sustainable investments. The purpose of the study is to investigate how the COVID-19 pandemic has influenced the willingness of Latvians to invest in assets that meet environmental, social and governance (ESG) criteria and factors influencing in-vestors’ choice based on their financial literacy. Unfortunately, socially responsible investment and compliance with environmental, social and governance criteria are not given enough priority in Latvia at present.
Too much self-confidence and a low level of consumer knowledge of cybersecurity is becoming a challenge for modern financial technologies.Ībstract: The latest studies reveal that the COVID-19 pandemic has pushed investors in devel-oped economies to focus more on the value attached to environmental and social responsibilities. seniors, disabled people) require the development of new, matched strategies by banks and financial services providers.
Changes in population structure (aging population) and a large group of customers from disadvantaged groups (e. financial coaching for a specific problem at different stages of their lives. The financial industry is shaped by recipients, who instead of financial education, look e.g. Results: The effectiveness of financial education is observed only in specific financial behaviors. The secondary empirical material is used to analyze the development of the FinTech industry. Research and financial experimentation in the field of financial knowledge and skills are presented.
Theoretical considerations are based on an in-depth query of literature on the subject. The paper hypothesizes that the intensification of educational activities tailored to each age group by institutions offering financial services may influence the greater use of modern tools in the process of personal finance management. Methodology: the analysis leads to an answer to the question of which determinants have an impact on consumers' financial decisions and what remote tools the market offers. The paper seeks to answer the question of the impact financial literacy and the growth of the fintech solutions have on personal financial management. The purpose of the article: the aim of the article is to present the essence of personal finance management using modern financial technologies.
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