According to a Bank of Thailand / NSO survey in 2020, only ~71% of Thais scored "financially literate," and significant gaps remain in understanding core concepts like compound interest, risk diversification, and long-term The main barriers identified include lack of investment knowledge, risk aversion, perceived complexity, and trust issues. trusted institutions and digital channels, while offering accessible learning options. through long-term, government-backed national programs and strong involvement from financial regulators and vulnerable groups, shaping a healthier investment culture. Moreover, leading digital players have been driving financial literacy across channels (e.g., social media and bank apps) to reach more consumers and drive investor adoption of Taiwan similarly expanded financial education through TDCC's youth-focused training programs, the TWSE's Financial