Tendencias en la educación financiera y su impacto en la toma de decisiones económicas personales

The study critically analyzes the main trends in financial education and their impact on personal economic decisions, in a context marked by the digitalization of financial services and the growth of credit supply. Through a comprehensive literature review of 56 papers published between 2010 and 2024, relevant conceptual and empirical approaches were identified, highlighting the growing use of interactive digital platforms that facilitate personalized learning and the inclusion of traditionally excluded populations. The results show that financial education has a positive impact on planned savings and responsible credit management, strengthening perceived self-efficacy and the ability to resist consumption pressures. However, there are challenges related to the digital divide, the quality of online content and the need for strategies adapted to the cultural and socioeconomic context of users. The analysis suggests that financial education should be articulated with public policies and consumer protection mechanisms to maximize its impact. It is concluded that consolidating innovative, inclusive and contextualized programs is an imperative to promote informed and sustainable financial decisions, contributing to the reduction of economic inequalities and the strengthening of patrimonial resilience.