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May 3, 2026Open Access

A Comprehensive Analysis of Financial Literacy Levels Among College Students

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Empirical analysis evaluates financial literacy in college students, revealing knowledge gaps and influencing factors.

This analysis aims to evaluate financial literacy levels among college students and identify influencing factors.
Mixed-methods approach using structured questionnaires with 150 college students
Applied statistical techniques including ANOVA, T-tests, correlation, regression, chi-square, and factor analysis
Examined knowledge, attitudes, behaviors, and digital financial engagement
Overall financial literacy average was 63.5%, with commerce and management students performing significantly better.
Statistically confirmed gender gap in financial knowledge, with parental behavior and education as strong predictors.
Digital financial exposure positively impacted behavior, but also introduced new risks.

Niraimathi et al. (2026) studied this question.

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