On the one hand they have established an economic gap since not all people have equal chances of accessing technology and on the other hand they have brought about a social divide. Within this latter category, I incorporate all those persons who have never come to terms with the fact that, today, digital transformation is here, and there are even those individuals who fail to understand the fact that due to the new technologies, we have altered our relationship toward each other, our discourse. The experts warn that we are looking at a new social, cultural, education, and economic divide.
That is why such terms as digital literacy and digital literate or digital illiterate have appeared. These two groups which we are speaking about can be observed in any analysis. There are those companies or people who have joined the digital transformation bandwagon and those one the other. The second ones have the danger of being marginalized, of being left alone, since they swim against the current. It is not only people we are talking about but also companies, in particular, SMEs. Digital illiteracy is, actually, most widespread among small and medium-sized enterprises.
Why Financial Literacy Matters

However, what is digital literacy? We can summarize it in two sentences as follows: We can speak about digital literacy when an individual or a firm is getting to know how to work with the newly available technology, be it the Internet, mobile phones, applications, etc. By way of example, when they are taught to get messages out, post dates, and so on. Digital literacies are literacies which appreciate the functioning of these technologies and exploit the same in their favor. In case of a business, they will select the most suitable tools in producing better results.
For example, they can develop websites that will earn them visits and, consequently, sales In fact, they can even have customer service systems where the user can receive services through chatbots to be able to interact and respond to voice or text messages such as Siri. This is to mean that they exploit optimizing production due to what the technology can offer them to their best advantage. Digital literacy is not just about surfing web sites. It is not only consumption, but also creation of content. As we have elaborated digital literacy can be used to make life better.
Beyond Training Building Lifelong Skills

In this regard the digital divide manifests. The divide between the people who use new technologies in daily lives and those who do not know how to use them. Among those whose lives are enhanced by it, and those whose lives are not. The former will experience benefits both at the personal and economic fronts. It will lead to increased access to information to them. They will be able to use applications that will help them to live more comfortably, etc. The latter, however, might become marginalised. Individuals who do not apply IT (Information Technology) will have at their disposal only.
An unquestionably lower level of education. More closed, and not open to a world such as e learning. At the work place there are plunges too. Workers with computer skills will get an opportunity of choosing among a greater number of job positions. Even get a better pay. Those who fail to will be assigned to jobs of mostly physical and low pay. Commercially, without being online any business does not really exist. However, what is even more, the benefits of new technologies to SMEs are inexhaustible. They may include extending their market to the countries in every nook and corner.
The One Thing You Need to Know

Of the globe to getting information about their customers that they would otherwise not get to have by the mere physical presence. Being digitally literate implies that the network users are aware and conversant with its operation. This means that they know there exist computer systems which will be of wonders to them. To give an example, the ones that implement Artificial Intelligence, which can gather information about their customers. To inform you as such what products your customer are seeking or what are the ratings your customers have about your business.
Companies have to compete in a market which is not local anymore, but global, which makes digital literacy of companies possible. Naturally, this is a benefit which would never have been possible to its owner of an SME that acts in a traditional way, with no web connections. People need to be literate in the digital world, as well as businesses. We are in the digital world and we should be able to know the basic technological skills in order to communicate with it. Their education should be an apparent goal in the schools and also at homes or places of work. And first the schools:
Conclusion

The younger generation requires to be taught on the new technologies and the onus is on the school institution. The same ICTs have resulted in an emerging learning pattern. It is associated with e-learning or electronic learning, which can go a long way in doing away with such barrier hence geographical. You just have to have access to a computer and an internet connection. As far as job market is concerned, digital literacy in job positions is crucial. There exists a group of those who are unemployed and have not made a new update in their technological skills.
Meaning they are uneducated with the digital aspect of things. In this respect, programs by the Government to assist them should be implemented. Finally, in the case of companies, digital literacy is also needed as on the first and second cases. They must be online in case they do not want to see the decline of their business. Adapt or die as the phrase goes. And here not only the business devices should be upgraded but the employees and bosses themselves. In the modern knowledge economy digital literacy has become a key skill. With the further development of technology and its penetration.
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