More than a 22 percent of people in Scotland lack or do not have at all any necessary digital skills to help them protect and save money by banking and shopping online, the research has found.
The number of 22% published in the Bank of Scotland consumer digital index is one percent higher than the UK norm.
Researchers stated it implies those residing in Scotland are at a greater than average risk of losing out on savings as they shop and bank.
The index, which includes both the abilities and behaviours of participants, also unveiled that those with high digital abilities are saving more than twice as much and almost twice as often as those with lower skills.
The study revealed 13 percent of adults in Scotland do not use the internet in comparison with the UK average of 9 percent, and 26 percent of Scots could not cope for more than a month without their regular earnings.
Philip Grant, Lloyds Banking Group’s ambassador for Scotland, stated: “Overall, basic digital skills in Scotland are not as strong as the national average.
“When we know that these skills can be so powerful when it comes to helping people save and manage their money, we want to make sure that the pace of technology evolution doesn’t leave some people behind.
“Those offline can be hard to reach but trusted faces around local communities across Scotland can really help.
“It’s why we have more than 4,500 digital champions in Scotland, helping individuals and organisations to improve their online skills.”