This article analyzes the main factors influencing the level of financial literacy among the population. The research results show that the level of financial literacy depends on socio-demographic characteristics (age, gender, education level, income), financial knowledge, financial behavior, financial attitudes, and financial preparedness. In addition, family, marital status, national and religious characteristics, as well as an individual’s experience with financial products, play an important role in shaping financial literacy.

This article is dedicated to the consideration of important issues of increasing the level of financial literacy in the educational system of Uzbekistan, especially in school education, and to the study of advanced foreign experiences. The article analyzes the financial literacy programs of Finland and examines ways of adapting them to the conditions of Uzbekistan and other countries. Emphasizing that financial literacy has a positive effect on the economic stability and well-being of the population, the research notes the need for public and private sector cooperation, the organization of special courses and training in educational institutions, as well as the use of modern technologies. Proposals and recommendations developed on the basis of Finnish experiences are of great importance in the formation of practical programs aimed at increasing financial literacy in the school education system of Uzbekistan. Today, the teaching experience of the pedagogues of their countries is embodied in the Finnish education system. After all, for more than ten years, 15-year-old students in this country have regularly shown very good results in the PISA international assessment program. The success of Finland is the teachers. Their status and independence are ensured for high-quality training. Education policy is aimed at equality. It should be mentioned that the location and climate of Finland have an impact on its economy.

This article analyzes the financial literacy programs of the Russian Federation and explores ways to adapt them to the conditions of Uzbekistan. Emphasizing that financial literacy has a positive impact on economic stability and well-being of the population, the study notes the need for cooperation between the public and private sectors, the organization of special courses and training in educational institutions, as well as the use of modern technology. Suggestions and recommendations developed on the basis of the experience of the Russian Federation are of great importance in the formation of practical programs aimed at improving financial literacy in the school system of Uzbekistan.