标题： 应用AHP和模糊AHP管理方法评估金融和数字包容水平 显示英文标题

标题： Applying AHP and FUZZY AHP Management Methods to Assess the Level of Financial and Digital Inclusion

摘要： 在当今强调社交距离和封锁的世界中，数字金融服务的发展变得越来越重要，但很少有实证研究记录对金融和数字包容性进程最重要的因素。 由于各国适应数字金融服务的速度至关重要，我们必须询问各国在这一转型中的准备情况以及在金融和数字包容性方面的进展程度。 在这一背景下，本文的目标是，一方面，提出一个金融责任过程框架，能够提高对金融和数字包容性过程中最重要协调关键水平的认识，当得到妥善管理时，可以实现最优的金融责任水平；另一方面，评估两个不同年龄组的个人在金融环境中的金融和数字包容性过程（15-34岁和35-59岁年龄组）。 分析层次过程AHP和模糊AHP方法被提出作为评估五个东中欧国家金融和数字包容性机制的框架。 研究结果反映了分析国家在金融和数字包容性关键水平上的差异（其中数字和金融教育是最重要的水平），克罗地亚、捷克共和国和波兰最为融合，而罗马尼亚则最不融合。 根据研究结果，随着一个国家或地区金融和数字包容性水平的提高，其金融责任水平也随之提高。 这项研究可以成为提高人们对定向行为对于金融责任重要性认识的有用工具，特别是对政策制定者而言。 显示英文摘要

摘要： In today's world, marked by social distancing and lockdowns, the development of digital financial services is becoming increasingly important, but there is little empirical work documenting the most important factors that contribute to the process of financial and digital inclusion. Because the speed with which states adapt to digital financial services is critical, we must ask how prepared states are for this transition and how far they have progressed in terms of financial and digital inclusion. In this context, the goal of this article is, on the one hand, to propose a financial responsibility process framework capable of raising awareness of the most important harmonized key levels of financial and digital inclusion process that, when properly managed, can lead to achieving an optimal level of financial responsibility, and, on the other hand, to assess the financial and digital inclusion process of two different age groups of individuals who are active in the financial environment (15-34 and 35-59 age groups). The Analytical Hierarchy Process AHP and Fuzzy AHP approaches are proposed as a framework for assessing the mechanism of financial and digital inclusion in five East Central European countries. The findings reflect differences between the analyzed countries in terms of the key levels of financial and digital inclusion (where digital and financial education are the most important levels), with Croatia, Czech Republic, and Poland being the most integrated and Romania being the least. According to the findings, as a country or region's level of financial and digital inclusion increases, so does its level of financial responsibility. This research can be a useful tool in raising awareness about the importance of directed behavior for financial responsibility, particularly for policymakers.