Financially competent behavior as a key criterion for improving financial literacy

The digitalization of the financial sector has attracted great attention of scientists and practitioners, government person and subjects of financial and economic activity to the problems of developing a system for improving the financial literacy of the population in the Russian Federation, its connection with concepts of economic behavior. Implementation of measures that increase the financial literacy of the population in modern conditions in the Russian Federation takes place in several areas. One of these areas is the formation of financially competent behavior models. The article addresses the issue of the effectiveness of currently implemented measures aimed at the formation of such behavioral models not only based on objective indicators, but also taking into account the views of participants in financial processes and institutions. The work reflects the results of a comprehensive case study, which includes an expert survey of 150 representatives of financial, state and educational institutions from 30 regions of the Russian Federation and a mass survey of Russian youth, including 4,500 students and 850 schoolchildren.