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This study aimed to analyze the relationship between digital financial competencies and economic decision-making among university students in Panama, considering the impact of financial technologies on their academic and personal lives as well as their preparation for future employment. A quantitative approach with a descriptive and cross-sectional design was applied through a structured questionnaire administered to a representative sample of students from various academic programs. The instrument assessed the level of digital financial literacy, the use of technological tools, and the ability to apply this knowledge to planning, saving, and investment contexts. The results showed an intermediate level of digital financial competencies, with strengths in budgeting and the use of digital tools, but notable weaknesses in saving, investment, and entrepreneurship habits. The study highlights the need to strengthen university financial education through practical programs and accessible digital resources that promote inclusion, self-management, and active participation in the digital economy, ensuring a comprehensive education that prepares students to face the challenges of the contemporary financial environment
Este obra está bajo una licencia de Creative Commons Reconocimiento-NoComercial-CompartirIgual 4.0 Internacional.
