Keyword: «financial literacy»

Today, there is a rapid and large-scale development of financial technologies in all countries, including Russia. The article assesses the development of financial technologies and the factors of their regional penetration, provides a description of modern aspects of financial technologies and their application in the economy. The presented analysis of the dynamics of population income and indicators of the development of financial technologies in Russia allows us to consider their mutual influence.

The article examines financial literacy in the context of ensuring the economic security of the country. The results of a survey conducted by the authors on the level of financial literacy of students and university teachers are presented. The activities carried out in Russia to improve financial literacy of the population are summarized. The trends in the field of financial cybersecurity are revealed.

The article discusses the possibility and main approaches to the formation of financial literacy in teaching physics at school. The content and semantic lines of the physics course are highlighted, within which it is possible to form elements of financial literacy, the forms, technologies and methods for its formation are defined. The methodological features of the formation of financial literacy in teaching physics at school are formulated. Examples of cases are given.

The article focuses on the current issue of developing financial literacy among primary school students in the context of modern educational standards. It examines the theoretical foundations of financial literacy, its structural components, and the role of extracurricular activities in developing financial competencies.

In the context of digital transformation of the economy and increasing complexity of the financial landscape, the development of financial literacy among the population becomes a strategically important task of government policy. Present-day research shows insufficient level of financial competences among a significant portion of Russians. Despite active implementation of financial literacy in educational programs, there is a contradiction between growing requirements for citizens' financial literacy and insufficient theoretical substantiation of pedagogical approaches to its development in the educational process. Aim of the study – theoretical substantiation and systematization of pedagogical approaches to the development of financial literacy in the modern educational process based on the analysis of domestic and foreign experience. The methodological foundation consists of a complex of interrelated approaches: the systemic approach ensures holistic examination of financial literacy as an integral characteristic of an individual; the activity-based approach reveals mechanisms of financial competency development through dynamic cognitive activity; the competency approach determines orientation toward developing the ability to apply knowledge for solving practical tasks. Main results of the article. The concept of financial literacy as an integral characteristic of the individual, including cognitive, activity-based, and motivational-value components, has been clarified. Theoretical approaches to financial literacy development have been systematized: cognitive, activity-based, person-oriented, and sociocultural. A system of pedagogical principles of financial education has been substantiated, including specific and adapted general didactic principles. A theoretical model of financial literacy development with step-by-step implementation has been worked out. Theoretical significance lies in developing scientific understanding of the essence and structure of financial literacy, enriching the theory of financial education with a system of principles and methodological approaches. The practical significance is determined by the possibility of using the results for the improvement of educational programs and the training of pedagogical personnel. Scientific novelty consists in a comprehensive interdisciplinary analysis of pedagogical approaches, the first proposed system of specific principles of financial education, and the development of a step-by-step model for developing financial competences.