📄 Abstract
This study gives a full empirical analysis of the financial literacy, investment behaviour, risk orientation and digital financial autonomy of the academic professionals (N = 200). The research surveys detailed data from primary, secondary and higher education institutions and assesses the structural gap between the perceptions and reality of financial literacy, financial decision-making and time-poverty, and the integration of digital banking. Results show that 95.8% of respondents have average to excellent financial knowledge, while 87.5 % run their own operations on the digital accounts, and 54.2 % have accurate objective literacy about the purchasing power of money by taking into consideration the inflation index. There is a high aversion to risk (μ = 3.33) and low saving capacity (45.8% saving less than 10% of income), which results in reliance on traditional products with low-yielding products. The financial wellness support is also minimal, with only 79.2% reporting that their employer had a very limited or nonexistent financial wellness program. Strategic recommendations are centered in financial literacy training for teachers in the staff room, financial literacy integration into teacher training and institutional financial literacy advisory support to address the execution gap.
📚 How to Cite:
Ms Kumari Deepika , Dr Rajiv Agrawal , FINANCIAL LITERACY, INVESTMENT BEHAVIOUR, AND DIGITAL AUTONOMY AMONG ACADEMIC PROFESSIONALS: AN EMPIRICAL STUDY , Volume 14 , Issue 8, August 2026, EPRA International Journal of Economic and Business Review(JEBR) , Pages: 1 - 4 , DOI: https://doi.org/10.36713/epra28829