DIGITAL FINANCIAL LITERACY PLATFORMS AND THEIR IMPACT ON NIGERIAN SECONDARY SCHOOL STUDENTS' TRANSITION TO UNIVERSITY: A REVIEW

Abstract

This review paper examines the landscape of digital financial literacy platforms in Nigeria and their effects on secondary school students’ transition to higher education. These platforms are essential educational resources because they provide students with a wealth of financial knowledge and skills through interactive features and various financial content. The paper’s first section overviews the difficulties these platforms face, such as restricted internet access, a lack of devices, linguistic diversity, and long-term funding. These challenges can hinder the effectiveness and accessibility of digital financial literacy education in Nigeria. Despite these challenges, the future of these platforms is promising. The paper identifies key future directions, such as infrastructure development, device provision, multilingual content, and sustainable funding models, to address these challenges and make digital financial education more inclusive and effective. The impact of digital financial literacy platforms on secondary school students is examined, focusing on how these tools improve students’ financial knowledge, decision-making, and behavior. Exposure to these platforms equips students with financial awareness, decision-making skills, and the confidence to navigate the financial challenges they will encounter as they transition to university and adulthood. In conclusion, digital financial literacy platforms in Nigeria can potentially empower a generation of financially literate individuals. We can work toward a future where all students, regardless of background or location, have equal access to high-quality financial education by comprehending their difficulties and pursuing the necessary future directions.