Chyavan Mantk

بۆ دارایی کەسیێکی سەرکەوتوو لە سەر ئاستی تاک بەشێوەیەکی زانستی

بەڕێوەبردنی دارایی کەسی

-Designed and launched a 3-month financial literacy and savings program engaging 20+ youth participants.Secured project sponsorship and managed participant recruitment, onboarding, and communication through a private group channel.
-Delivered educational content on personal savings, facilitated monthly goal-setting and accountability check-ins, and provided personalized support.
-Collected and analyzed savings data to evaluate participant progress, identifying top savers by percentage and absolute growth.
-Recognized participants with certificates and awarded a symbolic monetary prize to the top saver.

Youth Saving Challenge – Founder & Coordinator

Senior Financial Analyst

Outreach Lead Agent

Anti-Money Laundering Officer

In recent years, KRI has experienced significant changes in both technological banking and
financial inclusion. The MyAccount project is an extension of the efforts made by local
authorities to modernize the region through developments in the banking sector and digital
transformation of governmental processes. However, the gap remains between whether the
public can receive the restructuring project positively and the extent of usage of the financial
services offered by MyAccount. The proposed measurement involves using the
Technological-Organization-Environment (TOE) framework to investigate the impact of
digital transformation (DT) on MyAccount usage, while also exploring how dimensions such
as Financial Knowledge, Digital Skills, and Cyber-Risk Awareness within Financial
Technological Literacy (FTL) mediate this relationship in the context of KRI. Using a
quantitative, cross-sectional design, the study will collect data from a stratified random
sample of approximately 400 public sector employees in the KRI. The study will employ
Structural Equation Modelling (SEM) to examine direct and indirect pathways. The study
anticipates that while DT provides the necessary infrastructure, FTL—comprising financial
knowledge, digital skills, and cyber-risk awareness—acts as the critical bridge for sustained
usage. The findings will offer recommendations for the KRG and financial institutions to
enhance digital adoption by addressing both systemic and human-centric barries.

Examining the mediating role of financialtechnological literacy on the relationship betweendigital transformation and MyAccount usages using TOE Framework

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Chyavan Mantk

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