Technology-mediated education for marginalized populations: financial literacy gap

Abstract

A person's financial attitude includes thoughts, attitudes, and confidence in managing money. A positive financial attitude is crucial for responsible financial behavior and long-term well-being. Financial literacy includes behavior and financial consequences, not just information and abilities. The themes above are linked to financial behavior, including saving, spending, debt management, and investment choices. Technology in financial education may reduce financial literacy gaps in emerging nations. Technology-mediated financial education is scalable, cost-effective, adaptable, and can reach populations with inadequate financial services, according to this study. Financial literacy research should provide empirically supported distribution strategies based on target population characteristics and contextual needs. Computer literacy, language, and cultural appropriateness issues require more research. Evaluating digital inclusion and divide reduction efforts is crucial. However, this system has unique challenges. An extensive literature review over the previous decade was conducted using "ABIInform," "EBSO Host," "Emerald," "Google Scholar," "Science Direct," "ProQuest," "Web of Science," and "ERIC." The study used "financial literacy," "technology-mediated," "financial education," and "developing countries." Insufficient infrastructure, access, linguistic and cultural barriers, and community alienation are the impediments. Insignificant. This study critically reviews technology-mediated financial education literature in developing nations. A complete assessment of long-term consequences, a comparative examination of distribution techniques, and a research methodology are needed. This study focuses on how the digital divide affects underprivileged communities' financial literacy. Due to the need for more knowledge, more research is needed on how limited technological access affects financial understanding. Addressing this deficit requires more investigation.