PROBLEMS AND SOLUTIONS FOR IMPROVING THE FINANCIAL LITERACY OF THE YOUNGER GENERATION

Abstrak

The article analyzes the current problems of improving the financial literacy of the younger generation and ways to solve them. The theoretical foundations of the concept of financial literacy, its structural components and economic importance are described. The paper highlights the lack of financial knowledge and skills among young people and the risks arising from the expansion of digital financial services, such as impulsive spending, excessive borrowing and online fraud. International experience is examined, and a comprehensive set of proposals covering the education system, financial institutions, the family and public policy is developed.