What does this research mean for the field?

While individual ICT access and school digital policies are largely explained by socioeconomic background, the perceived quality of ICT access at school remains independently and positively associated with adolescents' financial literacy. Novelty: ClaimNovelty.INCREMENTAL. Consensus alignment: ConsensusAlignment.NEUTRAL.

What question did this study set out to answer?

To examine how student-, school-, and national-level information and communication technology (ICT) conditions relate to adolescents' financial literacy performance.

August 22, 2026Technology Knowledge and LearningOpen Access

Digital Learning Environments and Financial Literacy: A Multilevel Analysis of ICT Conditions in PISA 2022

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Authors

RFRachel FeldmanBar-Ilan University PBPascale BenolielBar-Ilan University

Discussion

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Implication

Multilevel cross-sectional study finds perceived school digital infrastructure quality predicts financial literacy in adolescents, indicating infrastructure reliability outweighs basic access.

Key Points

To examine how student-, school-, and national-level information and communication technology (ICT) conditions relate to adolescents' financial literacy performance.
Analyzed data from 57,970 15-year-old students across 14 countries participating in the Programme for International Student Assessment (PISA) 2022.
Applied multilevel modeling to evaluate individual ICT access, school digital policies, perceived ICT quality, and national digital readiness (Network Readiness Index), controlling for socioeconomic background.
Initial positive associations between financial literacy and individual ICT access or school digital policies disappeared after adjusting for student socioeconomic background.
Perceived quality and reliability of school ICT access remained significantly and positively associated with financial literacy performance in fully adjusted models.
National digital readiness accounted for between-country variation but functioned primarily as a distal contextual factor.

Cite This Study

Feldman et al. (2026) studied this question.

synapsesocial.com/papers/6a895f53ca7ade938187dd77 https://doi.org/10.1007/s10758-026-10020-9

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August 22, 2026Technology Knowledge and LearningOpen Access

Digital Learning Environments and Financial Literacy: A Multilevel Analysis of ICT Conditions in PISA 2022

View Full Paper

Ask AI

Bookmark

Authors

RFRachel FeldmanBar-Ilan University PBPascale BenolielBar-Ilan University

Discussion

Member takes

Implication

Multilevel cross-sectional study finds perceived school digital infrastructure quality predicts financial literacy in adolescents, indicating infrastructure reliability outweighs basic access.

Key Points

To examine how student-, school-, and national-level information and communication technology (ICT) conditions relate to adolescents' financial literacy performance.
Analyzed data from 57,970 15-year-old students across 14 countries participating in the Programme for International Student Assessment (PISA) 2022.
Applied multilevel modeling to evaluate individual ICT access, school digital policies, perceived ICT quality, and national digital readiness (Network Readiness Index), controlling for socioeconomic background.
Initial positive associations between financial literacy and individual ICT access or school digital policies disappeared after adjusting for student socioeconomic background.
Perceived quality and reliability of school ICT access remained significantly and positively associated with financial literacy performance in fully adjusted models.
National digital readiness accounted for between-country variation but functioned primarily as a distal contextual factor.

Cite This Study

Feldman et al. (2026) studied this question.

synapsesocial.com/papers/6a895f53ca7ade938187dd77 https://doi.org/10.1007/s10758-026-10020-9

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