Financial literacy has moved from the margins of public discussion to the center of everyday life. In earlier decades, it was often treated as a specialized subject for investors, accountants, or business students. Today, however, the reality is very different. Ordinary people make financial decisions every day through mobile phones, digital wallets, online banking, subscription services, short-term credit platforms, and app-based payment systems. At the same time, households face more complex c

Financial literacy has moved from the margins of public discussion to the center of everyday life. In earlier decades, it was often treated as a specialized subject for investors, accountants, or business students. Today, however, the reality is very different. Ordinary people make financial decisions every day through mobile phones, digital wallets, online banking, subscription services, short-term credit platforms, and app-based payment systems. At the same time, households face more complex c