Financial literacy is a theme that integrates public policies for the social development of a country and an element to be worked on from different aspects to improve people's living standards, providing well-being. In this context, Stima is proposed, a system capable of acquiring knowledge from experts and tutors to help students to follow the…

Financial literacy skillsets may be lacking in the first-year college student population, which may contribute to lower first-year college student retention rates. Because financial literacy is a skillset that may need to be taught to college students, this study attempted to understand and explore the link between financial literacy levels and…

Financial literacy refers to the knowledge required for individuals to make financial decisions. When individuals' subjective assessment of their financial literacy does not align with their actual level of financial knowledge (i.e., the discrepancy between subjective and objective financial literacy), it can result in a range of adverse…

Adequate financial decision-making necessitates a solid foundation in financial literacy and comprehension of its principles. This is particularly crucial for students, as their financial and behavioral choices can significantly impact their future financial and career prospects. Consequently, the present study aimed to explore the causal links…

The increasing complexity of financial products and services requires a domain of information and knowledge in the financial area. This study explores the role of financial literacy in undergraduate students at a higher education institution in Portugal. A sample of 196 undergraduate students enrolled in six courses in the fields of engineering…

The problem addressed in this study was whether real or perceived barriers exist among higher education finance professionals, which may influence their perceptions of risk and trustworthiness to adopt FinTech. The purpose of this study was to address whether or not perceptions of the risks and trustworthiness of software applications used in…

Financial literacy is crucial for making sound financial decisions and living a better life. However, the field of finance is full of abstract concepts, such as inflation, liquidity, asset allocation and credit. Abstract concepts may be harder to comprehend than concrete concepts due to their lack of tangible referents in the physical world. In…

This paper studies how students' financial literacy affects their perceptions of returns to schooling and consequently their schooling decisions. We first propose a model of human capital accumulation where financially illiterate students exhibit a cognitive bias of "ironing heuristic." With this decision heuristic, students tend to…

Previous studies have focused heavily on the astronomical student loan debt number in the United States of America and the overall expense of higher education; however, few studies have focused on the financial literacy of higher education students and what financial knowledge the individuals possess who were key members of the community who were…

Initiatives to deliver financial literacy to populations are offered by a wide range of institutions. Among them, central banks focus on financial literacy because when people make wiser financial decisions, the central banks are more likely to fulfill their societal mission. One of the most common initiatives of central banks in this regard is to…

Retirement benefits for faculty are an important, but relatively understudied, topic in postsecondary education. To date, there have been very few studies that have used qualitative research methods to examine how workers make financial decisions about retirement, and no qualitative investigations of faculty choice between DB and DC plans. To help…

Digital literacy is the ability to analyze, evaluate, and create a teaching and learning media which enables adults and youth to understand complex communication. Fintech has transformed the history of the financial sectors and places an individual at significant advantages. Therefore, this research study has examined how digital knowledge could…

Adults are faced daily with making financial decisions, some which are very difficult, therefore, more knowledge is necessary about personal finance to help adults make wise financial decisions. This study examined if there was a statistically significant difference in pretest and posttest scores from the Test for Financial Literacy (TFL) as well…

This paper presents a mobile application aimed at enhancing the financial literacy of college students by monitoring their spending patterns and promoting better decision-making. The application is developed using the agile methodology with Android Studio and Flutter as development tools and Firebase as a database. The app is divided into…

This paper aims to show how through plausible reasoning financial mathematics can be taught at the university level, the work is based on a model designed by García (2019), who created it to teach linear algebra in engineering careers, using technology, of all this model, only the design with methodological procedure is adapted. In this grade The…