Keyword: «fostering financial responsibility»

This article examines the risks and opportunities in the formation of financial culture among students of secondary vocational education in the context of the rapid spread of digital financial technologies. It is noted that the digitalization of the financial sphere significantly changes the models of economic behavior of young people, creating both new educational opportunities and threats of forming superficial or distorted perceptions of money, debt, and responsibility. The study concludes on the necessity of a comprehensive pedagogical approach to developing students’ financial culture, based on a combination of digital tools and value-oriented education.