JAGO-DIGI: Building Digital Financial Literacy for Jakarta’s Young Generation
A Conceptual Model toward Global Competitiveness
Keywords:
Digital Financial Literacy; Financial Inclusion; Digital Citizenship; Innovative Learning; Global Competitiveness; Jakarta Smart CityAbstract
This conceptual paper aims to develop a comprehensive theoretical model for building digital financial literacy among Jakarta’s young generation as a means to enhance their participation and competitiveness in the global economy. The rapid digital transformation within financial services has generated new opportunities for inclusion and innovation, yet it has also introduced serious challenges such as limited digital financial awareness, impulsive online consumption patterns, and the rising threat of digital fraud and misinformation. To address these complex issues, this study employs a qualitative and conceptual approach by conducting an extensive literature review encompassing digital financial literacy, financial inclusion, digital citizenship, and innovative learning frameworks. Based on the synthesis of these theoretical perspectives, the paper proposes a conceptual model that integrates three key dimensions: education, technology, and community participation. This integrative model highlights the importance of interactive e-learning platforms, digital simulation, and game-based learning as innovative pedagogical strategies to strengthen financial understanding, responsible digital behavior, and sound decision-making skills. The findings of this conceptual analysis suggest that improving digital financial literacy is not only crucial for individual empowerment but also serves as a strategic foundation for sustainable and inclusive economic growth. The significance of this study lies in its theoretical contribution to supporting Jakarta’s transformation into a smart, financially literate, and globally competitive city driven by informed and digitally responsible young citizens.
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