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The wide adoption of financial technology (fintech) in the daily lives of U.S. adults creates opportunities for adult educators to deliver targeted digital literacy training. This report from the field includes a brief literature review, discusses digital financial literacy, and explains why fintech adult education matters for preparing learners to use fintech tools and make informed choices.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/digital-financial-literacy-report-from-the-field/589170/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/digital-financial-literacy-report-from-the-field/589170.png","ImageObject",300,407,{"name":92,"@type":93},"Nguyễn Văn Học","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-29","2026-10-15",true,{"@type":102,"interactionType":103,"userInteractionCount":29},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What does digital financial literacy enable learners to do?","Question",{"text":112,"@type":113},"It enables individuals to use digital devices to make better financial decisions by combining knowledge and practical ability to apply that knowledge.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"Why is fintech education important for adult learners?",{"text":117,"@type":113},"Because fintech is pervasive in daily life, yet many adults lack the digital or financial literacy skills needed to use applications effectively and benefit from increased access.",{"name":119,"@type":110,"acceptedAnswer":120},"What challenges must be addressed to build financial competency with fintech?",{"text":121,"@type":113},"The report describes a twofold challenge: an overall lack of financial literacy among adults and the need for technological shrewdness to use fintech.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},589170,1792491674,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":29,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":34,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":144,"preview_page_count":4},1374402739827,"https://ap-avatar.wpscdn.com/avatar/14000c97e7351f1a627?x-image-process=image/resize,m_fixed,w_180,h_180&k=1787885694763230660","ADULT LITERACY EDUCATION FALL 2022  \n| [http://doi.org/10.35847/WGolden. LCordie.4.3.20](http://doi.org/10.35847/WGolden. LCordie.4.3.20) |  |\n| --- | --- |\n|  | Report from the Field |\n\nDigital Financial Literacy  \nWil Golden, University of Georgia Leslie Cordie, Auburn University  \nAbstract  \nAn individual with digital financial literacy has the knowledge and skills to use digital devices to make better financial decisions. The pervasiveness of financial technology (fintech) in the daily lives of adults in the United States creates digital literacy training and educational opportunities. This report from the field offers a brief literature review, a discussion on digital financial literacy, and the importance offintech adult education. Our goal is to guide educators and others on how foundational knowledge on digital technologies in relation to financial literacy education can prepare adult learners for the use offintech. Expanding the use of technology to financial literacy education and practices are as crucial as reading, writing, and numeracy in today’s digital economy.  \nKeywords: fintech, financial literacy, financial well-being  \nTechnology improvements and the growth of technologies in our everyday lives have the potential to improve the overall well-being of society for those with both access and skills (Brey, 2018) . For example, the personal computer or smartphone provides us with opportunities and information in the acquisition of goods and services on platforms such as Amazon and other retailers. However, imagine the lives of those lacking the knowledge or ability to properly use the technology or access the information. The use of financial technology (fintech) has elevated digital financial literacy to an important topic for adult educators as a crucial literacy. Fintech incorporates both the technology and delivery of financial services beyond traditional methods (Goldstein et al. , 2019) . Further, fintech has been pivotal to innovation in the financial services industry dramatically influencing our economic  \nlives . Fintech allows for a plethora of options to users in terms of online banking, mobile payments, app-based investing platforms, and online shopping for a broad range of goods and services (Goyal & Kumar, 2020) .  \nEducators and practitioners should impart digital proficiencies, and sound financial principles, to address the needs of the 21st-century learner – one who can demonstrate financial skills, not only in the live customer service environment but more importantly, in the online or virtual environment. This move to fintech provides opportunities for adult educators to equip individuals and families with the tools to make better financial decisions and meet their financial obligations. Hence, expanding the use of technology in financial literacy education and practices are as crucial as reading, writing, and numeracy in today’s digital economy.  \n[Correspondence: wil.golden@uga.edu](Correspondence: wil.golden@uga.edu) 20  \n Background  \nFinancial Literacy as a Multi  \nDimensional Concept  \nAccording to Zait and Bertea (2014), financial literacy incorporates multiple dimensions, where the focus can be on the knowledge itself and/orthe ability to gain and use the knowledge. Digital literacy can be defined as using technologies to find, create, evaluate, and communicate information, consequently requiring both cognitive (knowledge) and technical skills to use the technology (Alexander et al. , 2016) . The Organisation for Economic Co-operation and Development (OECD, 2018) described various aspects of digital financial literacy, including knowledge of digital financial products and services, awareness of digital financial risks, and consumer rights and redress procedures. These definitions illustrate the plurality and significance of the concepts, as they all require knowledge and literacy to use them effectively.  \nPrevalence ofFintech  \nDue to the prevalence offintech and its impact on the fin","cbCaifvl5pCSMuTZ","https://ap.wps.com/l/cbCaifvl5pCSMuTZ","pdf",83024,"English","# Abstract\n## Digital financial literacy and fintech adult education\n## Technology and information access\n# Background\n## Financial literacy as a multi-dimensional concept\n## Prevalence of fintech\n## Areas of need","[{\"question\":\"What does digital financial literacy enable learners to do?\",\"answer\":\"It enables individuals to use digital devices to make better financial decisions by combining knowledge and practical ability to apply that knowledge.\"},{\"question\":\"Why is fintech education important for adult learners?\",\"answer\":\"Because fintech is pervasive in daily life, yet many adults lack the digital or financial literacy skills needed to use applications effectively and benefit from increased access.\"},{\"question\":\"What challenges must be addressed to build financial competency with fintech?\",\"answer\":\"The report describes a twofold challenge: an overall lack of financial literacy among adults and the need for technological shrewdness to use fintech.\"}]","Digital Financial Literacy - Report from the Field | PDF",1792066686,18]