Authors : Anyumba Margaret Achieng; Dr. Yasin Gabon

Volume/Issue : Volume 11 - 2026, Issue 4 - April

Google Scholar : https://tinyurl.com/3dkt69r2

Scribd : https://tinyurl.com/5cdz4afp

DOI : https://doi.org/10.38124/ijisrt/26apr355

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Abstract : Despite the high penetration of mobile money services in Kenya, a significant gap remains between digital financial access and the literacy required to navigate these systems safely. In peri-urban areas, youth are increasingly active in digital finance but remain vulnerable to debt cycles, fraud, and poor financial planning due to inadequate Digital Financial Literacy (DFL). This study aims to evaluate the impact of a structured DFL training intervention on the financial knowledge and decisionmaking behavior. Grounded in the Theory of Planned Behavior and the Financial Capability Framework, the research employs a quasiexperimental pre-test/post-test design. The study seeks to determine if short-term, community-based training can produce measurable improvements in how youth manage digital credit, savings, and cybersecurity. The findings will provide empirical evidence on the effectiveness of localized financial education, offering actionable insights for policymakers, NGOs, and community-based organizations to design scalable and impactful financial inclusion programs for underserved urban youth.

Keywords : Digital Financial Literacy, Youth Empowerment, Mobile Money, Financial Decision-Making.

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