FINANCIAL LITERACY IN THE DIGITAL ERA: THE ROLE OF TECHNOLOGY AND INNOVATION IN TRANSFORMING INVESTMENT DECISIONS

This study examines the significance of technology and innovation in enhancing financial literacy (FL) in the digital era and transforming investment decisions (ID) among Private Higher Educational teachers in Bengaluru Urban. Primary data was collected through self- administered questionnaire from 128 respondents and tested using SPSS Version 26. The reliability of the data was measured using “Cronbach’s alpha”, descriptive statistics to estimate mean and SD for the demographic data and Regression Analysis to validate the association among variables. The study’s finding reveals the significant role of Technology and Innovation in improving FL, thereby exerting a direct effect on individual's ID. The study highlights the need for educational institutions to conduct practical- oriented sessions for teachers on the integration of technology and innovation in the area of FL. The adoption of financial tools and applications is essential as teacher serves as a learner and also a facilitator in enhancing the next generation to be more rational and sustainable in their financial choices. The government should initiate subsidized access to e-learning platforms, digital tools and financial planning software for teachers to support continuous learning.