Paper Title
GLOBAL PERSPECTIVES ON DIGITAL FINANCIAL LITERACY AND INVESTMENT BEHAVIOR IN HIGHER EDUCATION: EMERGING TRENDS, TOOLS, AND GAPS

Abstract
Financial literacy has emerged as a critical competency in today’s increasingly digital and financially complex world. This review paper examines the impact of digital financial literacy on investment patterns within the higher education sector, synthesizing findings from recent global studies conducted between 2023 and 2025. The reviewed literature highlights a growing reliance on digital tools—including mobile apps, FinTech platforms, and AI-driven learning aids—for enhancing financial knowledge and behavior among students, faculty, and administrative staff. A consistent trend across studies from India, Sri Lanka, Indonesia, Bangladesh, Belarus, and other regions reveals that improved financial literacy—especially when supported by digital resources—correlates positively with Keywords informed investment decisions, budgeting habits, and financial confidence. However, the review also identifies notable gaps, including limited research on faculty and non-teaching staff, a lack of region-specific tools, and the need for inclusive strategies targeting low-income and digitally underserved populations. The findings underscore the importance of integrating technology, behavioral education, and inclusive policy in future financial literacy initiatives within academic settings. Keywords - Financial Literacy, Digital, Investment ,Higher Education Sector, Financial Knowledge