Multiple Learning Pathways to Financial Literacy: Evidence on Analytical and Applied Learning

Laura Brunner, Maddalena Davoli () and Uschi Backes-Gellner

No 240, Economics of Education Working Paper Series from University of Zurich, Department of Business Administration (IBW)

Abstract: We study how financial literacy is associated with multiple learning pathways within Vocational Education and Training (VET), distinguishing between analytical learning (exposure to abstract financial concepts) and applied learning (repeated engagement with financial tasks in occupational activities). Combining VET training content with a nationally representative Swiss survey, we show that financial literacy varies systematically with occupational training content. Financial literacy is particularly high among individuals in occupations with intensive applied learning of financial tasks and not only among those with high analytical learning as expected from the literature. These findings highlight applied learning as an underemphasized pathway to financial literacy.

Keywords: Financial Literacy; Vocational Education and Training; Occupational Heterogeneity; Applied Learning (search for similar items in EconPapers)
JEL-codes: G53 I21 J24 (search for similar items in EconPapers)
Pages: 54 pages
Date: 2025-05
New Economics Papers: this item is included in nep-fle and nep-lma
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Persistent link: https://EconPapers.repec.org/RePEc:iso:educat:0240

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