This research aims to analyze the relationship between financial literacy variables and financial inclusion, the relationship between financial literacy variables and financial technology, and the relationship between financial technology variables and financial inclusion. The analysis of this research is to learn more about how financial literacy and the use of financial technology influence financial inclusion. This type of research is associative quantitative. Next, the relationship between these variables is explained using statistical formulas. Consequently, the term for this research is “quantitative research”. The study population is the number of people who use financial services. For this sampling, the purposive random sampling method was used. The following criteria are determined in sampling: 1) Minimum age 17 years, this is intended to take the minimum age standard in sampling and is considered capable of understanding the contents of the questionnaire statements. 2) Have ever used financial services. In this study, 11 question items were used to measure 3 variables, so this study used the largest range, namely 231 respondents. The intervention variable will be used as a reference for the Partial Least Square (PLS) method to analyze this research data. This study uses a causal model (causal modelling, relationships, and influence) or path analysis. The hypothesis that will be discussed in this research is tested using the Structural Equation Model (SEM), which is operated with Smart PLS. The results of this research show that financial literacy has a positive and significant impact on financial inclusion in society. Financial literacy has a positive and significant impact on financial technology. financial technology has a positive and significant impact on financial inclusion, financial technology can offset the impact of financial literacy on financial inclusion. The results of this research are used as input for the community so that they pay more attention to their internal human resources related to financial products that can be used for investment. With knowledge of the right financial products, it is hoped that they can create good financial behaviour so that an awareness of the importance of carrying out good financial planning. For financial institutions, it is hoped that this can increase easy access to financial products and services, in particular credit for businesses as additional capital for the community.

The SMARTER model, an innovative educational framework, is designed for blended learning environments, seamlessly integrating both online and face-to-face instructional components. Employing a flipped classroom methodology, this model ensures an equitable division between online and traditional classroom interactions, aiming to cultivate a dynamic and collaborative learning atmosphere. This research focused on developing and rigorously evaluating the SMARTER model’s validity, practicality, and effectiveness. Adopting a research and development (R&D) approach informed by the methodologies of Borg, Gall, and Gall, this study utilized a mixed-methods strategy. This encompassed a robust validation process by experts in design, content, and media, alongside an empirical analysis of the model’s application in actual educational settings. The aim was to comprehensively assess its effectiveness and practicality. The findings from this study affirm the SMARTER model’s validity, practicality, and effectiveness in improving students’ information literacy skills. Comparative analysis between a control group, taught using a traditional expository approach, and an experimental group, educated under the SMARTER model, highlighted significant improvements in the latter group. This effectiveness underscores the model’s capacity not only to efficiently deliver content but also to actively engage students in a collaborative learning process. The results advocate for the model’s potential broader adoption and adaptation across similar educational contexts. They also establish a foundation for future research aimed at exploring the SMARTER model’s scalability and adaptability across diverse instructional environments.

Data literacy is an important skill for students in studying physics. With data literacy, students have the ability to collect, analyze and interpret data as well as construct data-based scientific explanations and reasoning. However, students’ ability to data literacy is still not satisfactory. On the other hand, various learning strategies still provide opportunities to design learning models that are more directed at data literacy skills. For this reason, in this research a physics learning model was developed that is oriented towards physics objects represented in various modes and is called the Object-Oriented Physics Learning (OOPL) Model. The learning model was developed through several stages and based on the results of the validity analysis; it shows that the OOPL model is included in the valid category. The OOPL model fulfils the elements of content validity and construct validity. The validity of the OOPL model and its implications are discussed in detail in the discussion.

This study investigates the impact of various educational and social factors on the digital skills of vocational education and training (VET) students, emphasizing the significance of continuous skill development in the digital age. Utilizing structural equation modeling (SEM), the paper analyzes data from 382 adult VET students in Greece, examining the effects of Erasmus program participation, daily computer use, educational platforms, and social network engagement on digital competencies. The findings reveal that participation in Erasmus programs and the use of educational platforms significantly enhance students’ digital skills, highlighting the value of international experiences and digital learning tools in VET. Conversely, daily computer use alone does not significantly impact digital skills, suggesting that structured and purposeful digital tool integration is essential for skill development. The study also underscores the positive role of social networks in improving content management skills, advocating for their strategic use in educational settings. These results demonstrate the need for targeted digital literacy initiatives within VET programs to prepare students for modern labor market demands. The research contributes to the theoretical understanding of digital skill acquisition and offers practical insights for educators and policymakers to enhance VET curricula, fostering economic and social progress through improved digital literacy.

The rise of financial inclusion has notably increased household engagement in risky financial asset allocation, posing challenges to macro-financial stability. This study explored the crucial role of financial literacy in enabling households to effectively engage with complex financial markets and products. Specifically, it examined how different aspects of financial literacy—knowledge, attitudes, and skills—influence both the participation and depth of household investment in risky financial assets in China. Utilizing a comprehensive dataset from the 2019 China Household Finance Survey, which included 32,458 households, this study employed a robust indicator system and regression analysis via STATA 17.0 to assess these impacts. The results demonstrated that enhancements in financial literacy significantly foster increased engagement and deeper involvement in risky asset allocation, particularly through improved financial attitudes. Additionally, the analysis revealed that households led by women show a higher propensity towards risky asset investments than those led by men. These insights suggested the potential for targeted financial education to improve the financial health and economic resilience of Chinese households.