Inclusive digital financial education in the popular and solidarity financial system: educational, legal, and technological implications

Abstract

This study analyzed the implementation and scope of inclusive digital financial education in organizations within the popular and solidarity financial system, with a special emphasis on its impact on low-income individuals. It examined how digital-oriented educational strategies contributed to reducing gaps in access to financial knowledge and strengthening informed economic decision-making capacities. Four fundamental dimensions were considered: educational, legal, and technological. From an educational perspective, it was evident that digital financial education programs promoted a basic understanding of financial concepts, encouraged responsible savings, and improved personal resource management. Regarding the legal framework, the current regulations in Ecuador on data protection, financial inclusion, and digital rights were evaluated, highlighting the importance of accessible regulations applicable to community contexts. From a technological perspective, the importance of connectivity, the usability of digital platforms, and the availability of devices for users were addressed. It was demonstrated that digital financial education, when inclusive, contextualized, and technically supported, is an effective tool for economic empowerment, reducing social exclusion, and improving collective well-being in vulnerable communities.