<![CDATA[This research study explores the impact of Training Programs and Access to Financial Resources on Financial Competence at bank bjb's head office, focusing on the mediating role of Technological Advancements. Using a quantitative approach, with data collected from 70 customers via random sampling, the study analyzes direct and indirect relationships among these variables using Smart PLS. The results indicate significant direct effects of Training Programs and Access to Financial Resources on Technological Advancements, as well as a significant direct effect of Technological Advancements on Financial Competence. Indirect path analysis reveals that Technological Advancements significantly mediates the relationship between Training Programs and Financial Competence, as well as between Access to Financial Resources and Financial Competence. These findings suggest that technological advancements play a pivotal role in enhancing financial competence when linked with effective training programs and financial resource accessibility. This study highlights the importance of integrating technology into training initiatives and ensuring that financial resources are available and utilized through technological means. The insights gained from this research can guide bank bjb and similar organizations in implementing strategies that boost financial competence and improve overall performance in a rapidly evolving financial landscape.]]>
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