Exploring Financial Literacy in Higher Education with the Help of FinTech: A Bibliometric Analysis of Linkages to Access, Behavior, and Well-Being Through Digital Innovation

This study explores the dynamic interaction between financial literacy and higher education, focusing on the critical role of financial education in improving individual financial well-being. Using bibliometric analysis and the VOSviewer software, this research examines thematic clusters in financial literacy, categorized into access, behavior, health, and education. By analyzing 469 articles from the Web of Science database (2020–2024), this study identifies trends and key linkages between financial literacy and societal well-being, highlighting the role of digital innovation. While FinTech is discussed as a facilitator of financial inclusion and education, the primary focus lies in understanding how financial literacy drives behavioral change, capacity building, and economic resilience. This paper provides information for policymakers and educators to design inclusive, behaviorally focused educational programs that address specific demographic needs, ultimately contributing to societal and economic resilience.