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..
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