The main directions of financial transformation in the context of digitalization

the article analyzes the evolution of financial literacy in the era of digitalization of the economy. It is shown that the growth of digital financial services has increased the population's need for new knowledge and skills in safe behavior. The risks of cyberbullying and the need for targeted programs for different age groups are considered. The key role of the state, business, and society in shaping financial culture and legal protection for consumers is noted. Particular attention is paid to the integration of financial literacy modules into the system of professional and general education, including training in digital tools and the basics of cybersecurity. It suggests areas of government policy that ensure household stability and financial market competitiveness in the context of the digital transformation of the economy. The conclusions reached can serve as a basis for the development of educational programs and the formation of the most effective government policy measures in the field of financial literacy for the population.

digitalization, literacy, finance, education, risks, government, development, institution