Digital Financial Knowledge and Financial Satisfaction: A Key to Smarter Money Management in 2025

In 2025, digital financial knowledge continues to play a critical role in shaping financial satisfaction, especially as individuals increasingly rely on digital platforms to manage their finances. With the widespread adoption of mobile banking, fintech applications, and AI-driven financial advisory tools, Filipinos now have unprecedented access to resources that empower them to track spending, save, invest, and make informed decisions. These innovations offer greater autonomy and visibility into financial health.

However, despite the accessibility of these tools, a persistent barrier remains: financial literacy. According to the Bangko Sentral ng Pilipinas (BSP), only 2% of Filipinos can answer all six basic financial literacy questions correctly, revealing a worrying gap in essential knowledge. This situation poses a pressing question: Does having access to digital finance tools directly lead to improved financial satisfaction, or does knowledge remain the decisive factor? This study aims to explore the complex relationship between digital financial knowledge and financial satisfaction, particularly within the Philippine context.

Who Can Use These Topics?

This research is ideal for students and professionals pursuing the following courses or strands:

College Programs:

• BSBA Major in Financial Management

• BS Financial Technology (FinTech)

• BS Accountancy

• BS Economics

• BSBA Major in Business Analytics

• BS Information Technology with Specialization in Financial Technology
  

Senior High School Strands:

• Accountancy, Business, and Management (ABM)

• Science, Technology, Engineering, and Mathematics (STEM) (for Financial Tech Focus)

• General Academic Strand (GAS)

Why This Topic Needs Research

Understanding the link between digital financial knowledge and financial satisfaction addresses emerging gaps in financial well-being studies. Several critical research gaps have been identified:

• Impact of Digital Financial Skills Across Demographics: Although digital financial literacy was associated with life satisfaction, its direct influence on financial satisfaction across diverse groups remained underexplored (Choung et al., 2025).

• Empirical Validation in Real-World Settings: Conceptual models linking digital financial knowledge to financial satisfaction among millennials have yet to be tested using actual data (Normawati et al., 2021).

• Behavioral Mediation Mechanisms: Research suggested that digital financial knowledge alone does not guarantee financial satisfaction without corresponding behavior changes, a gap needing further investigation (Adelaide & Siahaan, 2024).

• Differentiating Knowledge Types: Studies emphasized the need to separate traditional financial literacy from digital financial literacy when analyzing their unique effects on financial outcomes (Khan & Akhtar, 2021).

• Beyond Digital Banking Usage: While internet banking adoption has been linked to life satisfaction, the distinct contribution of digital financial knowledge beyond basic digital engagement remains unclear (Wang, 2025).

• Financial Planning Integration: There is a lack of research on how digital financial knowledge directly enhances financial planning practices, leading to better financial satisfaction (Agustina et al., 2024).

• Independent Role in Service Satisfaction: Although usability and perceived benefits drive satisfaction with digital financial services, the standalone effect of digital financial knowledge has been insufficiently studied (Syamsuddin et al., 2024).

Feasibility & Challenges by Target Group

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References

Adelaide, P. K., & Siahaan, A. (2024, December). The Influence of Digital Financial Literacy and The Use of Financial Technology Towards Financial Satisfaction Through Financial Behavior. In 5th International Conference on Global Innovation and Trends in Economy 2024 (INCOGITE 2024) (pp. 203-222). Atlantis Press.

Agustina, R., Ardiana, M., Pertiwi, D. A., & Ervina, D. (2023). The Effect of Financial Satisfaction to Financial Technology with Financial Planning as Mediation. Jurnal Economic Resource, 6(2), 387-398.Choung, Y., Pak, T. Y., & Chatterjee, S. (2025). Digital Financial Literacy and Life Satisfaction: Evidence from South Korea. Behavioral Sciences, 15(1), 94.

Khan, K. A., & Akhtar, M. A. (2021). Digital engagement as a predictor of financial capability, financial advice, and financial satisfaction. Studies in Business and Economics.

Normawati, R., Rahayu, S., & Worokinasih, S. (2021, May). Financial knowledge, digital financial knowledge, financial attitude, financial behaviour and financial satisfaction on millennials. In ICLSSEE 2021: proceedings of the 1st international conference on law, social science, economics, and education, ICLSSEE (p. 317).

Syamsuddin, F. R., Said, S., Darwin, D., & Tamrin, S. H. (2024). Satisfaction with Digital Financial Services in the Majene District SME Sector. Jurnal Informasi dan Teknologi, 191-197.

Wang, K. H. (2025). Beyond Digital Finance: The Impact of Internet Banking Adoption on Subjective Life Satisfaction. Finance Research Open, 100012.