Typology of Russian youth by the degree and nature of the use of digital technologies in financial and economic relations

In the context of the rapid digitalization of modern society, financial culture is becoming a significant factor in the social differentiation of young people. The purpose of this study is to identify and theoretically substantiate the typology of Russian youth, reflecting the degree and features of the use of digital technologies in financial and economic interactions. The theoretical basis of the work is based on the conceptualization of financial culture as a complex system of knowledge, value orientations and practical models that determine the behavior of individuals in the field of money management. Special emphasis is placed on the relationship between financial culture and digital literacy, considered as an important element of social capital. The empirical basis of the study was made up of data from an online survey conducted in 2024–2025 involving 883 respondents aged 18 to 35 from 21 regions of the Russian Federation. A stratified sample was used in the study, which ensured the representativeness of the results. Additionally, the paper analyzes the existing theoretical approaches and sociological concepts of the study of financial culture. As a result of the study, four stable types of financial behavior of young people in the digital environment have been identified. The results of the study. The comparative analysis demonstrated the close relationship of the identified typology with the level of education, income and territorial affiliation of the respondents. The results obtained confirm that the digital involvement of young people is becoming a new stratification marker that determines the prospects for social mobility and requires the development of targeted educational and social policy measures.