Assessing Financial Literacy among Undergraduate Students: Knowledge, Perception, and Behavioral Insights

This study investigates the impact of financial literacy on undergraduate students, focusing on their knowledge, perceptions, and behaviours related to financial decision-making. Despite the increasing importance of financial literacy in today's economy, significant gaps remain among young adults. Through a comparative analysis of students' self-perceived financial knowledge versus their actual understanding, this research aims to identify key areas for improvement in financial education. Additionally, the study examines how socio-demographic factors influence various dimensions of financial literacy, including awareness of savings and investment options. The findings are intended to inform the development of effective financial literacy programs within college curricula, ultimately equipping students with essential money management skills for their future financial independence.