Digital financial education: Analysis of habits and preferences in the use of financial platforms by university students
DOI:
https://doi.org/10.29105/vtga12.3-1292Keywords:
Digital financial education, Habits, Financial platforms, Gender gapAbstract
Digital financial tools are becoming increasingly present in society. This study analyzes the digital habits and preferences in the use of financial platforms among university students from the School of Accounting and Business Administration. The main objective was to identify patterns of access, trust, use, and digital financial security practices, considering sociodemographic and gender variables.
A quantitative methodology was applied, based on a structured survey administered to a sample of 525 students from the 3rd to 10th semesters of the Bachelor's programs in Public Accounting, and Business Administration. The results showed high acceptance of basic digital financial services, such as payments, transfers, and balance inquiries. However, the use of financial planning tools and digital investment platforms was limited. Trust in traditional banking remains strong, particularly among women.
Although students demonstrated high awareness of digital financial cybersecurity measures, their practical application was insufficient, revealing a gap between knowledge and practice. The study concludes that, while the university environment facilitates access to digital financial education, it is necessary to strengthen educational strategies that promote the strategic, safe, and equitable use of digital financial platform
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