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Mgr Patrycja Wodzińska
ORCID: 0009-0007-6513-7285

Since 2024, a doctoral student of the Doctoral School of the University of Opole in the discipline of economics and finance. She graduated from the Faculty of Economics at the University of Opole with a master's degree in two fields: finance and accounting (2023) and economics (2024).

 
DOI: 10.33226/1231-7853.2025.1.5
JEL: E42, G50

The aim of the article is to identify the impact of gender on the behaviour and perception of digital money (cryptocurrencies) at the digital money market, as well as to assess the level of financial awareness of cryptocurrencies by gender. In March 2023, a survey was conducted using an online questionnaire with 233 respondents. The results of the study showed that in the surveyed group of people of working age, gender is a determinant of behaviour and perception of digital money (cryptocurrencies), but not in the context of assessing the prospects for its development. It also turned out that among the respondents, the level of financial awareness of digital money in women is lower than that of men. The rationale for the undertaken research is the knowledge gap in this area. Digital money is perceived as the future for the market for money, and cryptocurrencies can have a significant impact on the shape of the entire financial system. Therefore, the public should be aware of what digital money is and what opportunities and risks it may present.

Keywords: market for money; gender; digital money; cryptocurrencies; financial awareness