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Measuring scale.
| Measuring Scale | Observed variables | Source(S) |
|---|---|---|
| Digital Financial Literacy | DFL1-4 | Angela C. Lyons and Josephine Kass-Hanna (2021), Anna Lo Prete (2022) |
| Attitude | ATT1-3 | Fishbein & Ajzen's Theory (1977), Ng (2012) |
| Self-Efficacy | SEF 1-3 | Bandura (1989), Shen et al.'s (2013) |
| Skills | SKI 1-3 | UNESCO (2018), DigComp (2018) |
| Digital Financial Capability | DFC 1-3 | Johnson & Sherraden, (2007) |
Source: Author Own (2023)
