Practical Application Of Knowledge Research Articles

Exploration of virtual reality as a tool for simulating leadership and teamwork situations among university students

In the current educational context, virtual reality emerges as a revolutionary tool. By immersing students in immersive simulated environments, it facilitates deep understanding of abstract concepts and practical application of knowledge. The present study seeks to analyze the application of virtual reality as a tool to improve leadership and teamwork skills among university students through a literature review. A literature review of existing literature on the topic of virtual reality and its application in higher education was carried out, focusing specifically on studies that address the simulation of leadership and teamwork situations. Relevant research that provided insight into the benefits and challenges of VR in this context was selected and reviewed. The results of the literature review revealed a variety of studies that support the potential of virtual reality to improve the leadership and teamwork skills of university students. Virtual reality has been found to provide immersive experiences, safe environments, and immediate feedback that promote the development of these skills. However, challenges such as assessing the impact and accessibility of the technology have also been identified.

The academic formation challenges: what does retail expect from higher education institutions in pharmacy?

BackgroundThe drug retail represents the main area of activity for pharmacists worldwide. In Brazil, this sector is responsible for employing around 80% of professionals. Before this reality, the academic training of pharmacists requires specialized skills and knowledge so they can fulfill their tasks. In this sector, considering the influence of managers and mentors on the model of pharmaceutical practice, their perceptions about the demands of the market can help discussions related to the training of pharmacists.AimTo analyze the academic training of pharmacists for the drug retail market from the perspective of managers and mentors.MethodThis is a qualitative study conducted with managers and mentors of the drug retail market. A semi-structured interview guide was prepared and applied to the intentionally selected participants. The study was approved by the Research Ethics Committee under the number 4,169,752. The interviews were conducted through videoconference by an experienced researcher. The data obtained were analyzed using Bardin’s analysis technique, following the steps of categorical thematic content analysis using the ATLAS.ti software.Results19 interviews were carried out. Among the reports, the interviewees highlighted the importance of retail in the employability of pharmacists, as well as inconsistency in the academic training for this sector, originating the following categories: curriculum reform to include the market demands, follow-up and career plan, training for entrepreneurship and sales, practical application of knowledge, and encouragement of experience.ConclusionPharmaceutical academic training is linked to several challenges, whether organizational, structural, or budgetary. To overcome these challenges, it is necessary to unite the interested parties in the formulation and implementation of a strategy for the professionalization of pharmacists, considering their social role in patient care, aligned with the company’s sustainability, so that both coexist.

Games and Arts as Tools for Developing Generic Skills in Engineering Students

In today’s educational landscape, the integration of innovative pedagogical approaches is essential for improving student learning. In this respect, game-based learning appears to be a strategy that not only actively engages students—who often struggle to understand scientific concepts, leading to negative emotions and discouragement—but also helps them acquire transferable skills. Particularly in the field of telecommunications engineering, where the practical application of knowledge is essential, the use of educational games offers a unique opportunity to explore and reinforce specific and general skills. In this study, a cross-sectional quantitative methodology was implemented using a representative sample of 64 undergraduate students in the sixth semester of the telecommunications engineering program at a public university. In general, educational games are primarily intended to evoke emotions in participants, such as enjoyment, to help them cultivate a “receptive learning mindset” and to effectively teach a specific subject. In contrast to these approaches, the game proposed in this study incorporates humanistic skills and artistic tools to construct antennas within a specific context. This enabled students to engage in a practical, applied learning experience in their field of study, focusing on three key aspects: appropriating knowledge, building values, and learning about life, as well as recognizing others in society and interacting with the environment. The results obtained using the proposed game-based strategy were compared with those obtained using conventional teaching tools. The results showed that play not only imparted knowledge but also contributed to students’ overall development by fostering the values and skills essential to their personal and professional success. The results underscore the significance of developing games that authentically simulate project processes and activities. This emphasizes the importance of aligning game dynamics with real-world challenges and situations in the field of telecommunications engineering. This simulation-based approach may be the key to maximizing the impact of game-based learning on the training of future professionals in this field. This comparative study helps fill a gap in knowledge about game-based learning in engineering education by providing valuable insights. It is also important to comprehend the impact of game-based learning on an antenna course and the students’ willingness to engage with this innovative teaching style in the classroom.

Методические условия реализации метода предметно-языкового интегрированного обучения (CLIL) в обучении английскому языку в начальной школе

The aim of the study is to substantiate the possibility of implementing the method of Content and Language Integrated Learning (CLIL) in early English language teaching in primary school. The paper discusses the notion of the CLIL method, its main components, as well as the conditions that ensure the most optimal use of the method in teaching a foreign language to primary school children and provides examples of the practical implementation of the specified conditions. The scientific novelty of the study lies in identifying the methodological conditions that make it possible to teach English most effectively at an early stage on the basis of content and language integration. As a result of the study, it was found that CLIL can be successfully used in teaching English to primary school children with consistent observance of a number of important conditions. The issues related to the selection of the teaching content in accordance with the programs of the integrated subjects, as well as the possibility of further practical application of knowledge and skills on the studied topics and the vocabulary used in them, are considered. In addition, the importance of strict adherence to established methodological stages in the formation of foreign language speech skills and abilities is emphasized, as well as the need to involve all types of speech activity when using the CLIL method.

SELF-TRAINING OF FUTURE SKILLED WORKERS USING INNOVATIVE LEARNING TECHNOLOGIES IN THE EDUCATIONAL PROCESS

The article considers the importance and methods of self-training in the educational process of future skilled workers, emphasizing the importance of using innovative learning technologies, developing personal thinking and the ability to innovatively apply knowledge in practical activities. Modern approaches to self-training in the educational process of educational institutions are analyzed, including the use of active and interactive methods of self-development, the involvement of future qualified workers in the self-improvement of professional skills. The key role of the implementation of self-training in the educational process of training future qualified workers is emphasized, the importance of this aspect for the development of professional competences in the information and technological environment is emphasized. The role of active and interactive learning methods in attracting students to a deep understanding of self-development and practical application of knowledge in professional activities is determined. The importance of self-training for the development of professional skills and abilities, which determines the preparation of future qualified workers for independent work, is clarified. The need to provide access to modern resources and improve the qualifications of future skilled workers for the effective implementation of self-improvement in the educational process is emphasized. A comprehensive approach to reforming educational programs and teaching methods is proposed, which is crucial for the formation of highly qualified future skilled workers ready for innovative learning technologies. Such systematic training for self-development will contribute to the formation of professional competence in future qualified workers with the use of innovative technologies. A conclusion was made about the need for self-training in the educational process to ensure a high level of preparedness of future qualified workers, given the dynamically changing requirements of the modern educational environment.

IMPLEMENTATION OF THE PRINCIPLES OF SCIENTIFIC AND RESEARCH ACTIVITY OF FUTURE TECHNOLOGY TEACHERS IN THE EDUCATIONAL PROCESS OF HIGHER EDUCATION INSTITUTIONS

The article examines the importance and methods of introducing the principles of scientific research into the educational process of future technology teachers, emphasizing the importance of forming scientific consciousness, developing critical thinking, and the ability to innovatively apply knowledge in practical activities. Modern approaches to the integration of scientific research into the educational process of higher education institutions are analyzed, including the usage of active and interactive teaching methods, and the involvement of students in real research projects that contribute to the development of scientific and research skills.
 The key role of the implementation of scientific and research principles in the educational process of training future technology teachers is emphasized, and the importance of this aspect for the development of the necessary competencies in a dynamic information and technology environment is emphasized. The role of active and interactive teaching methods in involving students in a deep understanding of scientific concepts and practical application of knowledge is defined. The value of elective disciplines for the development of scientific and research abilities and skills, which determines the preparation of future teachers for independent research work, is clarified. An overview of opportunities for applicants to participate in scientific projects and publish their work is provided, which contributes to professional growth and scientific careers. The need to provide access to modern resources and improve the qualifications of teachers for the effective implementation of scientific and research activities in education is emphasized. A comprehensive approach to reforming curricula and teaching methods is proposed, which is crucial for the formation of highly qualified technology teachers ready for innovative activities and scientific research. Such systematic preparation for scientific research activity will contribute to the formation of future specialists’ readiness for innovative, creative, and critical professional activity.
 A conclusion has made about the need for further development of methods of integration of scientific research activities into educational processes to ensure a high level of training future technology teachers, taking into account the dynamically changing requirements of the modern educational and technological environment.

Pragma-professional communicative competence of IT students in the Kazakhstani context

Relevance. The relevance of the work is due to a high degree of interest in terms of achieving effective communication in the education of IT professionals for the purpose of active pragma-professional and communicative intercultural integration and digitalization of the world through the involvement of modern information technology. Purpose. The purpose of this article is a comprehensive study of all parameters: social, psychological, linguistic, affecting the communicative competence of the student involved in the IT-industry, the development of linguocognitive mechanisms that contribute to the effectiveness of the dialogue in small and large groups (teams) on the example of the Kazakh experience. Methodology. The methodological basis was a theoretical, comparative and sociometric study of the main tasks, principles, rules of competent conduct of interpersonal and intercultural dialogue, the study of pragmatic aspects of building personality with a high level of communicative competence and practical application of knowledge in the course of training. Results. This article analyzes the key aspects of the IT-sphere development in Kazakhstan in terms of modern conditions of digitalization of professional activity of specialists, considered the main aspects of the influence of the level of communicative competence on the results of work in this industry, shows the main methods of formation of pragma-professional competence on the example of foreign language training, communication in internal and external teams and increasing the staff potential, competitive in the international labor market. Conclusions. The materials presented in this article can be used in the study of IT-communication on the example of other state mechanisms for implementing a communication strategy to improve the effective and comfortable work of employees, the development of planned methods related to improving the communicative competence of students and employees of information technology, the study of the specific organization of work in advanced IT companies, primarily from the perspective of the communicative aspect.

Creating a Supportive and Effective Learning Environment for Engineering Students

Engineering education requires a strong emphasis on problem-solving, critical thinking, and practical application of knowledge. To achieve the highest quality of teaching, educators must create a trusting environment that allows students to feel comfortable asking questions and performing to the best of their abilities. This paper outlines the teaching philosophy and practices of an engineering lecturer who has adapted his pedagogical approach across several universities in Sweden and abroad. The author emphasizes the importance of being flexible and responsive to student needs, offering early and constructive feedback, and providing students a safe and supportive learning environment with opportunities to develop programming skills. The paper also includes comments from students that reflect the author’s effectiveness as an educator in creating a supportive and challenging learning environment for engineering students.

POST-WAR RECOVERY OF UKRAINE: THE ROLE OF HUMAN RESOURCES

The purpose of the paper is to set out the place of education and human resources in the future development of Ukraine, particularly in the light of the post-war difficulties in rebuilding the country and further prospects. Methodology. The study is based on a comparison of PISA 2018 results, with different countries compared to Ukraine. PISA measures the ability of 15-year-old students to use their knowledge and skills in reading, mathematics and science to solve real-life problems. The results of the research showed that the Ukrainian education system has two main problems: low levels of mathematical literacy and deep inequalities in access to quality education depending on the place of residence and socio-economic status. Taking into account the PISA measurement system and the requirements of the modern economy, it is necessary to change the Ukrainian education system. Practical implications. Ukrainian teachers need to pay more attention to ensuring that students focus on the practical application of knowledge, question established opinions, engage them in open-ended tasks, make them critically analyse all the information they consume and express their opinions constructively. Value/Originality. Analysing the results of PISA and comparing them with other countries allows for a better understanding of what steps need to be taken to reform the education sector.

Development of virtual reality technologies for training on the maintenance of the tractor «Belarus 1523»

Modern information technologies provide wide opportunities for increasing the effi ciency of learning and practical application of knowledge in various spheres of activity. One of such spheres is the technical maintenance and repair of complex agricultural machinery, which requires high qualifi cation and professionalism from specialists. The article considers an example of introducing new information technologies into the process of learning timely aspects of technical maintenance and quality repair of the tractor "Belarus 1523", which is one of the most common and demanded in agriculture. The authors of the article propose a new approach in the system of technical maintenance of machinery, which consists in using virtual reality, allowing to optimize the learning process and signifi cantly reduce costs. Virtual reality allows creating realistic simulations of various situations related to the operation and repair of machinery, as well as provides interactivity and feedback for learners. Such an approach contributes to increasing motivation, interest and satisfaction from learning, as well as forming the necessary skills and competencies for successful work with agricultural machinery. The article contains a detailed description of the methodology of developing and using virtual reality for learning technical maintenance and repair of the tractor "Belarus 1523", as well as presents the results of experimental testing of the effectiveness of such an approach. The article is of interest for specialists in the fi eld of information technologies, education and agriculture.

FORMATION OF LEGAL COMPETENCE OF FUTURE MANAGERS OF INNOVATION ACTIVITIES

Today Ukraine has enough resources for the introduction of innovations in the educational process, but without legal support this potential may remain unused, therefore the study of the problem of forming the legal competence of future managers of innovative activities is relevant and necessary.
 The problems of legal training of future specialists are highlighted in the scientific works of many scientists. Researchers pay attention to the importance of ensuring the unity of theoretical knowledge and practical skills in the learning process, in particular: legal culture and personal awareness (S. Bogachev, Yu. Krylova, O. Makarova, O. Mynkovich-Slobodyanik, etc.); legal subject competence (A. Bulda, T. Remekh, L. Ryabovol, etc.); legal personality education (Yu. Surmyak, etc.); teaching legal disciplines (V. Vdovichen, L. Vdovichena, O. Melenko, etc.).
 The purpose of the study is to analyze the formation of legal competence of future managers of innovative activities and outline the prospects for its improvement.
 The innovative development of Ukraine requires highly qualified personnel who are able to effectively manage the processes of educational innovation activity. One of the key aspects of the professional training of such specialists is the formation of their legal competence.
 In our opinion, the following ways of forming the legal competence of future managers of innovative activities in Ukraine can be effective:
 First, strengthening the connection between theoretical training and practical application of knowledge. For this, it is possible to introduce student internships at enterprises engaged in innovative activities, as well as to include projects and tasks related to practical work in educational programs.
 Secondly, ensuring the relevance of educational programs and their adaptation to modern requirements. Innovative activity is a dynamic industry, therefore educational programs and legal training courses for future managers must meet modern requirements and practices. For this reason, it is possible to carry out regular analysis and updating of training programs, involve practitioners in their development and take into account their experience and recommendations.
 Thirdly, the involvement of practicing specialists to conduct seminars and workshops, who have experience in the field of innovative activity and knowledge of the legal aspects of this field, can be useful for future managers in the formation of legal competence.
 Fourth, the development of international cooperation and exchange of experience in the formation of legal competence of managers of innovative activities. This can be ensured by concluding international agreements, conducting joint projects and exchange programs.
 Fifth, stimulation of independent work of students with the study of legislation and legal aspects of innovative activity. A variety of methods can be used to stimulate such work, such as individual and group projects, research studies, case studies, and other forms of working with materials and sources of legal information. In addition, it is possible to develop a system of stimulating the most active students and give them the opportunity to participate in scientific conferences and seminars.
 The conducted research does not exhaust all aspects of the identified problem and requires further research into new effective forms and approaches to the formation of legal competence, as well as the development and implementation of specialized courses and programs for managers of innovative activities.

Edutainment as a Modern Japanese Language Teaching Technology (Using Songs and Web Quest)

Introduction. Among the modern trends in the development of education, there is a growing demand for entertainment projects. In teaching foreign languages and cultures in institutions of higher education, active learning entertainment technologies also occupy a prominent place, because they have significant potential. Purpose. To demonstrate the linguodidactic and socio-cultural potential of using songs and web quests as edutainment technology tools in teaching the Japanese language and culture to university students. Methods. Consideration and practical application of some modern approaches to the use of educational technologies through the example of songs and web quests in order to analyze the features and benefits of their use. Results. The possibilities of using songs in the educational process in the formation of language, speech and socio-cultural competencies were analyzed and demonstrated. There were provided examples of exercises for working with song material and web quests at the beginner and advanced stages of learning the Japanese language and culture. It can be concluded that the use of edutainment technology tools in learning foreign languages and cultures has a positive impact on student’s motivation, promotes the activation and practical application of knowledge, skills and abilities acquired in the learning process and significantly diversifies it. Conclusion. Songs and web quests as tools of educational technologies can perform educational, upbringing and developmental functions and have significant methodological potential as a modern teaching tool that deserves further study. At the same time, we cannot deny the fact that educational technology tools like songs and web quests are not an alternative to academic education.

“Let Someone Who is Not a Mathematician Not Read Me” (Natural-Scientific Views in the Works of Leonardo da Vinci)

Introduction. It is noted the originality of Leonardo da Vinci’s natural-scientific views in the context of the Renaissance. The objectives of the article are outlined: the systematization of Leonardo’s natural-scientific views, the identification of methods used by him to cognize the reality, the analysis of the set of social conditions that influenced the formation of the thinker’s views. It is also indicated the relevance of the researched argument; the object and subject of the study are determined. Materials and Methods. It is indicated that the main source used in the article are the notes of Leonardo, reflecting his ideas about nature. The methods used in the study are related to the specifics of this source: a concrete historical approach, a comparative historical method, logical and textual methods. Results. The circumstances that gave rise to an interest in natural-scientific problems are indicated – painting and its interpretation as a reflection of the real world, on the one hand; good mathematical training received by Leonardo in his youth, on the other. It is proved, using primary sources, that Leonardo da Vinci considered experience to be the main method of cognition, and the ultimate goal of cognitive activity was the practical application of knowledge. The peculiarity of the humanistic orientation of Leonardo’s thought is revealed. On the basis of primary sources, the thinker’s ideas about nature, human, and the purpose of science are revealed. It is shown how Christian ideas and the humanistic Renaissance view were combined in a peculiar way in the views of the thinker. Attention is drawn to the inconsistency of Leonardo da Vinci’s relationship with Christianity. Discussion and Conclusion. It is shown the significance of Leonardo’s philosophical views, his role in the history of philosophy as a predecessor of the empiricist philosophers of Modern Time. It is noted that the comprehensive activity of the thinker, in fact, embodied the ideal of a person, great creative opportunities that feed, firstly, the desire to fully know the world and, secondly, the awareness of the usefulness of their activities for others. It is noted that the cultivation of these motivations has a huge educational potential in our time.

Cross-Industry Principles for Digital Representations of Complex Technical Systems in the Context of the MBSE Approach: A Review

This scientific article discusses the process of digital transformation of enterprises, analyzed as complex technical systems. Digital transformation is essential for businesses to remain competitive in the global marketplace. One of the effective tools for such a transformation is model-based systems engineering (MBSE). However, there is a gap in the practical application of knowledge regarding the uniform principles for the formation of a digital representation of complex technical systems, which limits the realization of the cross-industry potential of digital transformation in the economy. The motivation for this study is to identify common cross-industry principles for the formation of digital representations of complex technical systems that can lead companies to a sustainable and successful digital transformation. The purpose of this work is to identify and formulate these principles through an analysis of publications, using an inductive approach and classifying them by the category of application. As a result of the study, 23 principles were obtained, and the degree of their use in various industries associated with complex technical systems was determined. The results of this study will help to solve the problem of cross-industry integration and guide systemic changes in the organization of enterprises during their digital transformation.

Intercultural Competence for Education at all Levels

Current British education means completing set assignments and exams to examine a prescribed curriculum with little room for personal development and individuality. Passing tests does not guarantee students can apply learning in real situations. Currently, 150 American schools have negotiated portfolios of evidence to universities and employers rather than Grade Point Averages (GPA). Portfolios demonstrate personal, practical and academic achievements more clearly than arbitrary tests. Future education must centre around life-competencies and how to be contributing citizens in our complex multicultural societies, based on individual talents and interests. It must focus on thinking, communication and practical application of knowledge and understanding. This requires reviewing everything we know and recognise about formal learning. therefore the purpose of this paper is to examine this situation in order to reveal the importance of intercultural competence at all levels of education. as for the method used by researchers in order to answer these problems is a mixed method. The results show that we need to make communication a priority to achieve intelligence, insight, and reduce the distance between cultures.

Project Evaluation for Expand the Potential of the Teacher Network Award from the Princess Maha Chakri Award (PMCA) Foundation Towards the Development of Underprivileged Children in Thailand

This study aimed to evaluate the impact of a project aiming to enhance the empowerment of disadvantaged children and youth in Thailand, with a view to promoting educational equality in the country. The Kirkpatrick evaluation framework, comprising four dimensions - response, learning, behavior, and results - was applied. Data was collected from 93 teachers out of a total of 121 (76.85%) who participated in the project, as well as 28 teachers who were interviewed. The research tools included a 5-point Likert scale questionnaire comprising 26 items, and a 6-item interview guide. Statistical analysis using mean, standard deviation, and t-test was conducted to analyze the data. The results indicated that the project had a significant impact on teacher response and learning, as well as a positive impact on behavior and results. Implications for future research and practical applications are discussed.The research findings indicate that the overall assessment of the project is highly satisfactory (= 4.17). Upon consideration of the individual domains, it was found that all domains were highly satisfactory, with teachers involved in the project expressing the highest level of satisfaction with the outcomes of the project's implementation (= 4.27). In particular, the domain of behavior in the application of knowledge in practice was highly effective (= 4.22). The level of response that individuals have to the environmental sustainability project and the feelings they have towards the project (= 4.13) and the learning aspect, including understanding the principles and theories, and the skills necessary to achieve the goals of the project (= 4.06).  A significant recommendation is the development of an information technology system to collect and disseminate the innovative work of teachers in order to expand its impact. It is also important to link the dissemination system of the project with capable agencies in the field.

A Community of Practice on Environmental Design for Long-Term Care Residents with Dementia.

The use of communities of practice (CoP) to support the application of knowledge in improved geriatric care practice is not widely understood. This case study's aim was to gain a deeper understanding of the knowledge-to-action (KTA) processes of a CoP focused on environmental design, to improve how persons with dementia find their way around in long-term care (LTC) homes. Qualitative data were collected (key informant interviews, observations, and document review), and analysed using emergent coding. CoP members contributed extensive knowledge to the KTA process characterized by the following themes: team dynamics, employing a structured process, technology use, varied forms of knowledge, and a clear initiative. The study's CoP effectively synthesized and translated knowledge into practical tools to inform changes in practice, programs, and policy on dementia care. More research is needed on how to involve patients and caregivers in the KTA processes, and to ensure that practical application of knowledge has financial and policy support.

The Effectiveness of an Interdisciplinary Approach in Biology Teaching in Primary School: A Comparison With Monodisciplinary Approach

<p style="text-align:justify">Interdisciplinary teaching and learning is an approach that synthesizes the curricular objectives and methods of two or more disciplines or subjects focusing on a specific topic or issue. While it is being increasingly implemented in universities, at lower levels of education there are still countries where science subjects are taught and learned fragmentarily. To assess the significance of the interdisciplinary approach in primary school biology teaching, the paper aims at an experimental verification of the effectiveness of this method in relation to the quality and retention of student knowledge, compared to the monodisciplinary approach to teaching and learning biology. The paper also describes a scenario for teaching a topic in which biological and geographical contents correlate. The study applied a pedagogical experiment with parallel groups. In total, 180 students attending two primary schools in the city of Novi Sad participated in the experiment and were divided into an experimental and a control group. The findings suggest that the interdisciplinary approach improved the quality and retention of student knowledge. The experimental group was more successful in completing tasks that required comprehension and practical application of knowledge. The study thus emphasizes the need for a professional curriculum development that would enhance the interdisciplinary correlation of various disciplines.</p>

A review of Stree sharira from classical Ayurvedic literature

Finding the proper etio-pathogenesis and treating gynaecological problems requires knowledge of stree-sharira (anatomy and physiology of the female reproductive system). The classics of Ayurveda have focussed on the practical application of knowledge and hence they discussed sharira rather than micro structural details. The name Yoni denotes the entire genital canal. Similar descriptions of the vagina are explained by modern science as a fibro-musculo-membranous sheath connecting the uterine chamber to the outside at the vulva. It contains the uterine secretory and menstrual blood excretory canal. Garbhashaya is located in the third avarta of the yoni, behind the bladder, between pittashaya and pakvashaya. Sushruta used the term plalamntargata, which is comparable to the ovaries or beeja granthi. Three doshas are in charge of the rutuchakra (menstrual cycle). The Rajasrava kala (menstrual cycle duration) can last anywhere between three and seven days. The mechanism of artava pravrutti has been clearly defined by Ayurveda. There is menstrual blood loss throughout the three to five or seven-day Rajahkala (menstrual phase), and vata dosha predominates. During this phase, the drava and sara gunas of the pitta dosha and the chala guna and kshepana karma of the vata dosha both function. Ritu-kala, or the proliferative phase, lasts for 12 or 16 days or the entire cycle. Even without menstruation, navina rajah (new cycles) are established at this time, and fertility chances are at their highest. These functions share similarities with the kapha dosha, indicating that kapha is the dominant dosha in this period.

Digital financial literacy among adults in India: measurement and validation

The ongoing COVID-19 pandemic has considerably promoted the usage of Digital Financial Services (DFS) in India. Therefore, exploring the various determinants influencing the DFS users is crucial for the DFS providers to understand their customers better. This study aims to identify, measure, and validate the determinants of Digital Financial Literacy (DFL) from the Indian adults who use Digital Financial Services. A sample of 384 adult DFS users from India was surveyed using a self-administered questionnaire in 2021. A multidimensional scale was developed to measure the Digital Financial Literacy in this study. The results exhibit that Digital Knowledge, Financial Knowledge, Knowledge of DFS, Awareness of Digital Finance Risk, Digital Finance Risk Control, Knowledge of Customer Right, Product Suitability, Product Quality, Gendered Social Norm, Practical Application of Knowledge and Skill, Self-determination to use the Knowledge and Skill and Decision Making are the determinants of DFL among the adults in India. Further, the users of DFS without DFL will face numerous challenges such as inability to complete the transaction, financial loss and privacy breach, etc. Hence, the study concludes that DFL is prerequisite to use DFS effectively.