청소년 금융행동 향상을 위한 시뮬레이션 원리 적용 금융교육 프로그램 방향 제안

Background : Financial education aims to improve the quality of individual life by enhancing consumers' financial knowledge to perform desirable financial behavior in the financial market. In particular, youth financial education is important because financial knowledge and behavior formed during adolescence have a lasting effect even in adulthood. Furthermore, with the diversification of financial methods available to youths, they can use various consumption methods such as check cards, mobile payments, Internet banking. As a result, youth is becoming a more active and autonomous consumer, but financial education is insufficient to induce desirable financial behavior by enhancing teenagers' ability to apply financial knowledge. In response, this study proposes a direction for financial education programs to improve the financial behavior of youth.
Methods : First, the concept, purpose, and current status of youth financial education were identified through literature reviews. Subsequently, the school's financial education curriculum contents were investigated, and cases of online·offline financial education programs were analyzed. After that, youth interviews were conducted to understand their needs about financial activities and financial education, financial expert interviews to identify desirable financial education directions, secondary social studies teacher interviews to identify effective financial education methods.
Result : This study proposes a financial education program that applies simulation principles as a learning method for improving financial behavior. Using simulation principles has been judged to effectively develop the ability to apply learned financial knowledge by forming concrete experiences in applying abstract financial knowledge. The proposed program constructed the educational content for middle school students and configured the control and virtuality of the system to increase learners' autonomy and reality with the progress of four learning modes: lecture, dependent simulation, independent simulation, and limited reality simulation.
Conclusion : Through the simulation module learning of the financial education program, it is expected that teenagers who initiate financial activities will cultivate their ability to apply financial knowledge to real-world situations. This study was conducted as a preliminary study of mobile learning app development to improve youth financial behavior. The proposed financial education program is applied to app content in subsequent studies to verify learning effectiveness for youth and teachers.