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VOL. 7, ISSUE 4 (2025)
Digital financial literacy among students: A literature review
Authors
Renu Bhatt, Dr. Sameer Kulkarni, Dr. Bhawana Sharma
Abstract
Digital financial literacy (DFL) has become
increasingly essential as financial systems migrate toward digital platforms
and as young people adopt mobile and online financial tools at unprecedented
rates. Students—often early adopters of emerging technologies—frequently engage
with online banking, mobile payments, algorithmic credit systems,
cryptocurrency platforms, and social-media-mediated investment content.
However, existing evidence indicates that many lacks the knowledge, digital
safety skills, and behavioural competencies required to use these tools
responsibly. Drawing on international frameworks and empirical studies, this
review synthesizes research on the conceptualization, measurement,
determinants, behavioural implications, and educational interventions related
to DFL. The discussion also identifies methodological limitations, theoretical
gaps, and practical considerations for future research and policy design. The
review concludes that comprehensive, context-adaptive approaches are necessary
to ensure that students develop the competencies needed to navigate an
increasingly digital and high-risk financial environment.
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Pages:45-47
How to cite this article:
Renu Bhatt, Dr. Sameer Kulkarni, Dr. Bhawana Sharma "Digital financial literacy among students: A literature review". International Journal of Finance and Commerce, Vol 7, Issue 4, 2025, Pages 45-47
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