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Banks and financial institutions are exposed to dramatic changes in the digital age. Despite the expansion of digital communications, most people are unable to interact economically, especially in rural areas. Effective financial transactions can be created through skills, awareness and attitudes towards digital tools and the use of digital trading tools. Therefore, digital finance has become so important today that it is seen as a prerequisite and precursor to involving people in the fina ncial system. The determinants of digital financial literacy focused on socio-economic demographic factors and used a standard least-squares model with multiple correlations. However, this model determines various personal variables that significantly affect respondents' digital financial literacy, especially age, gender, income, religion, social affiliation, family size, marriage history, education level, occupation, etc. [ABSTRACT FROM AUTHOR]