This study examines an
interactive learning model that connects generations through digital financial education.
By integrating problem-based learning (PBL), cooperative learning, experiential
learning, and a dual-instructor approach, the research aims to improve
financial literacy, student engagement, and intergenerational knowledge
exchange. The curriculum, focused on securities investment analysis, guides
students through fundamental concepts, collaborative material development,
hands-on experiences, and final knowledge-sharing sessions.
The study implements
a multi-faceted instructional framework that includes lectures, practical
reports, industry expert sessions, and digital collaborations with older
generations. Findings indicate that this interactive, cross-generational
approach significantly enhances students' financial understanding, critical
thinking, and communication skills. Moreover, interactions with senior
participants foster social responsibility and promote digital inclusion for
older adults. The study also highlights the importance of integrating financial
technology tools, enabling students to explore modern investment platforms
while helping seniors adapt to digital financial services. Additionally, the
research identifies key motivational factors that enhance student participation,
such as real-world application, peer collaboration, and mentorship from
industry professionals. The integration of financial technology tools and
digital learning resources ensures that students develop practical financial
decision-making abilities while reinforcing cross-generational engagement. The
study emphasizes that an inclusive learning environment benefits both younger
learners and senior participants, creating a sustainable framework for
continuous education.
The research underscores that combining
theoretical instruction with hands-on application enhances financial
education’s impact and sustainability. The study’s findings reveal that
students not only acquire financial decision-making skills but also contribute
to bridging the digital divide by assisting older adults. The model offers
valuable insights for improving financial education through cross-generational
learning, emphasizing the role of digital financial literacy in fostering
independence, critical thinking, and lifelong learning. By addressing the
challenges of financial education in the digital age, this research contributes
to the development of effective teaching strategies that prepare students for
real-world financial decision-making while promoting intergenerational
collaboration. The study underscores the broader societal benefits of such an
approach, advocating for educational models that integrate financial
technology, intergenerational exchange, and experiential learning. Ultimately,
the findings highlight digital financial education as a key driver of financial
empowerment, social responsibility, and knowledge transfer across generations.
