Digital literacy is the ability to analyze, evaluate, and create a teaching and learning media which enables adults and youth to understand complex communication. Fintech has transformed the history of the financial sectors and places an individual at significant advantages. Therefore, this research study has examined how digital knowledge could…

These proceedings contain the papers of the 12th International Conference on Mobile Learning 2016, which was organized by the International Association for Development of the Information Society, in Vilamoura, Algarve, Portugal, April 9-11, 2016. The Mobile Learning 2016 Conference seeks to provide a forum for the presentation and discussion of…