Brechas y desafíos en la educación financiera en el cantón Santo Domingo, 2025

Abstract

Abstract: This study analyzes the gaps and challenges of financial education in the inhabitants of the canton of Santo Domingo during the year 2025, with the aim of identifying the sociodemographic factors that influence the knowledge, practices and financial attitudes of the population. The research was developed under a quantitative and descriptive aspect, through a structured survey that was applied to 120 users, mostly young people from urban areas. The results showed significant gaps in financial literacy, reduced use of formal products and services and economic vulnerability, which was reflected in the low ability to face unforeseen events or lost income. Challenges were identified with access to reliable information, limited understanding of basic products and the growing exposure of digital fraud, which visualizes a need to promote educational processes adapted to the current reality. The findings provide useful evidence to guide the design of training programs, institutional interventions and public policies that strengthen financial inclusion, promote responsible habits in the management of money and improve the economic resilience of the canton's population.