Authors - Niranjan Kulkarni, Suma MN Abstract - This paper introduces an integrated model that couples financial literacy training with financial therapy to enhance financial knowledge as well as behavioural results. Basing its argument on existing literature, this study employs a mixed-methods methodology to assess the effectiveness of pilot programs that blend therapeutic interventions like cognitive-behavioural therapy (CBT) and financial counselling with standard financial education. The study unveils the need for an integrated financial education approach, providing a model for the development of more effective financial literacy programs that consider cognitive as well as affective dimensions of financial well-being.
