Educação financeira na era da informação: desafios e oportunidades na disseminação de conhecimentos

Abstract

In the current context, financial education has become an essential factor in equipping individuals to effectively manage their personal finances. With the advent of the digital era, the quantity and diversity of available financial information have increased significantly. However, this expanded access introduces additional challenges, such as the spread of misinformation and the need for effective methods to distinguish reliable content from potentially harmful information. Brazilian society, historically marked by a low level of financial literacy, struggles to adopt sustainable financial practices, underscoring the relevance of accessible and inclusive financial education. The main objective is to highlight the impact of financial education disseminated through digital platforms and social media on the financial literacy of the Brazilian population, identifying challenges and opportunities to improve its effectiveness and accessibility. This study was based on a literature review, with a systematic analysis of bibliographic materials, following methodologies described by Gil (2002). Results indicated that financial education in Brazil faces significant barriers, including inequalities in access to financial information, cultural and socioeconomic constraints, and insufficient digital infrastructure across various regions. One of the primary challenges is the high rate of financial illiteracy, which limits the ability of many individuals to make informed decisions about household finances, credit, and investments. The prevalence of informal financial support, such as assistance from family members, demonstrates a reliance that compromises individual and collective financial sustainability. Additionally, high-interest rates and distrust in the banking system hinder the use of formal financial services, emphasizing the need for educational practices tailored to the general public and adapted to diverse social realities. The analysis further highlighted that although digital platforms and social networks can disseminate quality educational content, the lack of control over the accuracy of online information presents a substantial risk. This scenario reveals the importance of developing educational programs capable of filtering content and providing reliable guidance, addressing the needs of different age groups and socioeconomic contexts. The use of digital resources, such as tutorials and online courses, can be a viable alternative to expanding the reach of financial education, but it requires a robust strategy that considers technological limitations and Brazil's cultural diversity. In conclusion, the research finds that fostering a culture of financial education is essential for citizens' economic empowerment and for the financial stability of the country. Implementing effective educational strategies, integrating both in-person and digital methods, can provide a foundation for a more financially informed and prepared society