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Permanent URI for this collectionhttps://hdl.handle.net/11285/345284
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- Co-designing a financial literacy videogame: A participatory research-based approach in complex scenarios(ESIC 2024, 2024-10-13) Ramírez Montoya, María Soledad; Patiño Zúñiga, Irma Azeneth; Villalba Condori, Klinge Orlando; https://ror.org/03ayjn504This study examines the co-design of a financial literacy videogame as a pedagogical innovation aimed at fostering sustainable economic principles among university students. The co-design process and game development is informed by the needs and preferences of its end-users to ensure the game's educational content is relevant and impactful. This methodology brings together learners, educators, and game developers to co-design a financial literacy video game integrating educational technology and e-learning principles to create an inclusive, engaging learning environment. By simulating real-world financial dilemmas within the game's narrative, players experience firsthand the consequences of their choices, encouraging critical reflection on their personal and collective financial behaviors. Players navigate complex financial scenarios, promoting strategic thinking and responsible decision-making. The effectiveness of the game was assessed using a mixed-methods approach, evaluating financial knowledge, attitudes, and behaviors. Findings indicate participants demonstrated marked improvements in financial knowledge, and decision-making skills. The paper discusses the implications of these results, the potential of gamification in learning complex subjects, and the advantages of participatory design in creating meaningful educational experiences.
- Financial literacy in mexican university students: an instrument for its measurement in the environment of complexity(Hipatia Press, 2023-11-28) George Reyes, Carlos Enrique; Ramírez Montoya, María Soledad; Patiño Zúñiga, Irma Azeneth; López Caudana, Edgar Omar; https://ror.org/03ayjn504; https://ror.org/031f8kt38Financial literacy is a skill that students must develop in order to cultivate their economic well-being in the medium and long term. This paper presents the design, construction and validation of a literacy measurement scale from the imbrication of complex thinking with the literacies of financial knowledge, behavior and attitude. Content validity was analyzed from the judgment of 13 experts through the application of the Simplified Digital Delphi method and a reliability study was carried out considering 112 university students. The results show a solid internal consistency because the items obtained a Cronbach's alpha greater than 0.8, as well as positive correlations between the dimensions that comprise it. Therefore, it is a valid and reliable instrument that allows the verification of financial knowledge, behaviors, and attitudes. It is suggested that future studies could incorporate variables related to the use of digital financial applications.
- Digital competency as a key to the financial inclusion of young people in complex scenarios: A focus groups study(Sage, 2023-04-19) Buenestado Fernández, Mariana; Ramírez Montoya, María Soledad; Ibarra Vázquez, Gerardo; Patiño Zúñiga, Irma Azeneth; Instituto Tecnológico y de Estudios Superiores de MonterreyYoung people’s financial and digital literacy have been studied independently and in-depth during the last decades. However, digital financial literacy as a compound concept is novel and still needs to be explored in the scientific literature. This work investigated young people’s perception of their digital financial culture, identified factors that hinder or facilitate it, and explored their preferences in the training modalities for improvement. Twenty-two focus groups were carried out in different Mexican educational institutions based on diversity criteria. The evidence shows that: (1) young people perceive the need for digital financial education linked mainly to the understanding of critical concepts, the use of mobile applications, online financial operations, and digital financial security; (2) some voluntarily exclude themselves from online finance, this being one of the main obstacles in the development of digital financial culture; (3) the digital financial culture gap is accentuated more among young people in public educational institutions and upper secondary education; (4) they have a preference for emerging technological and digital resources for their training in digital finance. These findings make it possible to contextualize training proposals that favor the financial inclusion of young people in complex scenarios brought about by the digital transformation of the economy and society.