Financial Intelligence: Knowledge, Tools and Perception of Economic Impact in Latin America

Abstract

Financial intelligence is an essential concept in economic decision-making at both the individual and organizational levels. The purpose of this study is to analyze the level of financial knowledge, the use of specialized tools, and the perception of the economic impact of financial intelligence on the daily lives of individuals in Colombia, Ecuador, and Venezuela.
The development of the study is based on a quantitative approach with a descriptive-correlational design. The data were collected through online surveys, and the results reveal that the majority of respondents possess moderate financial knowledge, although there are significant gaps in their practical application. Likewise, a positive relationship is observed between the level of knowledge and the use of financial tools, as well as between training and the perception of the economic impact of financial intelligence. However, a significant percentage of participants have not received training in this area, highlighting the need to implement accessible educational programmes.
In conclusion, the findings highlight the importance of strengthening financial education and encouraging the use of specialized tools to improve economic decision-making. Despite respondents recognizing the relevance of financial intelligence, its practical application remains limited. Therefore, it is recommended to develop training strategies adapted to different levels of knowledge and to promote policies that facilitate access to quality financial education.