MYPE-Navigator: A Scalable Web-Based Financial Literacy Platform for Micro and Small Enterprises

Financial literacy is a decisive driver of the sustainability and competitiveness of Micro and Small Enterprises (MSEs), especially in emerging economies where access to tailored training is limited. This paper introduces MYPE-Navigator, a scalable web-based platform that strengthens financial competencies through interactive modules, gamification, and partnerships with institutions. The platform was developed in three phases: (i) conceptual modeling, (ii) modular, cloud-based implementation, and (iii) empirical validation via a quasi-experimental design. Fifty MSE owners participated and were assigned to the control and experimental groups; expert reviews and usability tests using the System Usability Scale (SUS) complemented the evaluation. The results show a 19.47% gain in financial knowledge for the experimental group and a SUS score of 90.37, exceeding standard benchmarks. Compared with existing solutions, MYPE-Navigator integrates communication tools, reward mechanisms, and context-specific content designed for Latin American MSEs, with strong potential for adaptation to other regions. This study contributes to the literature by demonstrating the effectiveness of LMS-based interventions in improving financial literacy in informal and resource-constrained business settings.