Abstract
This study explores the Sustainable Investment Gap (SIG) in 13 European countries, defined as the gap between awareness of ESG-labeled financial products and actual ownership by individual investors. Drawing on data from the 2023 OECD/INFE, the analysis integrates indicators of digital financial literacy (DFL), online financial activity, and the size of the gap. A preliminary exploratory typology of five country profiles was developed, and contextual digital interventions were proposed. The results indicate that higher levels of DFL co-occur with a smaller investment gap and greater online engagement, but digital readiness alone is not enough to close the gap. The proposed typology provides a framework for designing digital tools to support sustainable investment decisions. In further stages of the study, it is planned to test selected interventions in Poland using experimental methods in a simulated FinTech environment.
Paper Type
Poster
DOI
10.62036/ISD.2025.143
The Sustainable Investment Gap in Europe: Implications for Digital Finance
This study explores the Sustainable Investment Gap (SIG) in 13 European countries, defined as the gap between awareness of ESG-labeled financial products and actual ownership by individual investors. Drawing on data from the 2023 OECD/INFE, the analysis integrates indicators of digital financial literacy (DFL), online financial activity, and the size of the gap. A preliminary exploratory typology of five country profiles was developed, and contextual digital interventions were proposed. The results indicate that higher levels of DFL co-occur with a smaller investment gap and greater online engagement, but digital readiness alone is not enough to close the gap. The proposed typology provides a framework for designing digital tools to support sustainable investment decisions. In further stages of the study, it is planned to test selected interventions in Poland using experimental methods in a simulated FinTech environment.
Recommended Citation
Krupa, D. (2025). The Sustainable Investment Gap in Europe: Implications for Digital FinanceIn I. Luković, S. Bjeladinović, B. Delibašić, D. Barać, N. Iivari, E. Insfran, M. Lang, H. Linger, & C. Schneider (Eds.), Empowering the Interdisciplinary Role of ISD in Addressing Contemporary Issues in Digital Transformation: How Data Science and Generative AI Contributes to ISD (ISD2025 Proceedings). Belgrade, Serbia: University of Gdańsk, Department of Business Informatics & University of Belgrade, Faculty of Organizational Sciences. ISBN: 978-83-972632-1-5. https://doi.org/10.62036/ISD.2025.143