Paper Details

Name: Uma K
Country: India

Year: 2025
Volume: Volume No: 12, Issue No: 2, Year: 2025 (Special Issue)
Page Number: 201-216
DOI: https://doi.org/10.5281/zenodo.17898385

ABSTRACT:
The rapid digital transformation of societies demands a rethinking of educational priorities to
ensure citizens are equipped with essential skills for the future. This study explores the
integration of digital literacy and financial education as a dual pathway to empower students
under the framework of Edu Vision 2035. The research aims to examine the combined impact
of dual literacy on student preparedness, analyze demographic variations in literacy
outcomes, and evaluate current curriculum practices.
This study examines the integration of digital literacy and financial education as a unified
framework for empowering students to become future-ready citizens under Edu Vision 2035.
Using a mixed-methods design, survey data were collected from 300 students across socioeconomic and geographic categories, complemented by qualitative insights from learners and
educators. Reliability tests confirmed excellent data quality (α > 0.97), and factor analysis
revealed six distinct dimensions of integrated literacy—digital competence, financial
awareness, digital-financial integration, technology readiness, information application, and
ethical responsibility—explaining 87.78% of total variance. Regression analyses
demonstrated that Integrated Digital–Financial Literacy (IDFL) significantly influences
student preparedness (R² = 0.301, p < 0.001), while socio-economic status emerged as a key
determinant of program effectiveness. Furthermore, inclusivity and experiential learning
strongly predicted policy alignment with Edu Vision 2035 (R² = 0.818). The findings affirm
that holistic integration of dual literacy enhances readiness, inclusion, and sustainable
educational transformation. The study recommends embedding IDFL within mainstream
curricula, strengthening teacher training, and ensuring equitable digital access to realize
national educational goals.
Keywords: Digital Literacy, Financial Education, Edu Vision 2035, Student Preparedness,
Curriculum Integration.