A Perspective on the Application of Fintech as a Gateway for Financial Literacy

Abstract

AI-powered fintech can address difficult financial issues and offer flexible support. To narrow the financial literacy gap, lifelong learning must start early in life. Fintech improves access to financial services by doing away with intermediates. A gap exists despite current initiatives, but it can be addressed with Fintech tools. Mobile banking, gamification software, robo-advisory services, and chatbots are some of the solutions. Fintech's expanding use in emerging nations, along with a rise in smartphone ownership, has the potential to revolutionize digital literacy and financial inclusion. It is essential to do research on digital financial literacy teaching resources, the effects of digitalisation on financial decision-making, and the contribution of financial institutions to the promotion of digital financial literacy. Fintech innovations will change the processes of financial and digital literacy, resulting in increased financial inclusion.

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