However, without the necessary digital skills or confidence to manage money online or seek guidance, many people risk being left behind and digitally excluded.
Ond heb y sgiliau digidol na’r hyder angenrheidiol i reoli arian na cheisio arweiniad ar-lein, mae llawer o bobl mewn perygl o gael eu gadael ar ôl a’u hallgáu’n ddigidol.