Advances in Consumer Research
Issue 4 : 1816-1821 doi: 10.61336/acr/25-04-08
Original Article
Financial Literacy in the Age of EdTech: A Conceptual Model for Adaptive Learning Platforms
 ,
 ,
 ,
 ,
1
Director, New Delhi Institute of Management, approved by AICTE and Affiliated to GGSIPU,
2
Associate Professor, New Delhi Institute of Management(NDIM) Affiliated to GGSIPU,
3
Director, Neelkanth Vidyapeeth Meerut,
4
Assistant Professor, Gitarattan International Business School, Rohini,
5
Assistant Professor, School of Management and Commerce, K. R. Mangalam University, Gurugram,
Abstract

The intersection of financial literacy and educational technology (EdTech) presents a transformative opportunity to address the persistent global gaps in financial knowledge, behavior, and decision-making. With increasing digital access and rising financial complexity, conventional models of financial education often fall short in engagement, personalization, and long-term impact. This paper proposes a conceptual framework for adaptive learning platforms designed to enhance financial literacy through personalized, data-driven pedagogical strategies. Drawing on theories of financial capability, behavioral economics, and adaptive learning design, the model integrates learner profiling, algorithmic content delivery, gamification, and real-time feedback mechanisms. The framework highlights how EdTech can be leveraged to move beyond static content delivery to foster behavioral change, contextual relevance, and financial decision-making skills in diverse demographic groups. This paper contributes to the literature by offering a scalable, learner-centric approach to digital financial education and by setting an agenda for empirical validation across socioeconomic and cultural contexts. Implications for policymakers, educators, and EdTech innovators are discussed, with recommendations for ethical design and digital inclusion..

Keywords
Recommended Articles
Research Article
Employees’ Perceptions of Job Evaluation Practices: Evidence from the Textile Industry in Uttar Pradesh
Published: 30/09/2025
Research Article
Publishing Of Reports Via Camunda Workflow Orchestration for A Financial Institute
Published: 30/09/2025
Research Article
E-Commerce vs. Traditional Retail: A Data-Driven Comparison of Profitability and Sustainability
Published: 30/09/2025
Research Article
Strategic Patient-Centric Brand Management in Pharma: Transforming Value Creation through VRIO Analysis
Published: 30/08/2025
Loading Image...
Volume 2, Issue 4
Citations
277 Views
68 Downloads
Share this article
© Copyright Advances in Consumer Research