Issue #2 (Volume 9 2025)

In the context of digital transformation, the education sector needs innovative solutions to ensure continuity and quality of the learning process amidst contemporary challenges. One solution is using cloud technologies, which allow for the virtualization and replication of key institutional processes, from academic programs to campus operations. In this regard, this article aims to identify the challenges associated with the concept of cloud universities and their impact on the resilience of higher education. A science mapping analysis is conducted based on the most relevant scientific papers indexed in the international Scopus database from 2000 to 2024 using Scopus and SciVal built-in tools and the Science Mapping Analysis Tool. The results show a significant increase in the number of studies, especially within the fields of Computer Science and Social Sciences, dedicated to the use of cloud services and technology in education, with a growing focus on “digital twins”. The application of science mapping tools revealed key trends in research development, which evolved from the development and optimization of cloud infrastructure and difficulties of technological usage and the adoption of new technologies by users to the deep integration of various technologies into the educational process, exploring their reception by students and teachers, as well as the effectiveness of these initiatives. The analysis identified key challenges cloud universities face, such as the need for reliable technical infrastructure, adherence to cybersecurity standards, preparing educators and students for working with new technologies, financial costs of implementing cloud technologies, and ensuring academic integrity.

Acknowledgments
The publication was part of the Erasmus+ project “Disaster Resilience in Higher Education Systems via a Cloud University Model” (project number 2O24-1-AT01-KA220-HED-000249632).

Promoting effective personal finance practices is crucial for individuals’ long-term financial well-being. Financial education equips people with the knowledge and skills to make informed decisions and achieve financial stability. This study investigates the relationship between financial education and personal finance among residents of Lima, Peru, a context characterized by limited financial inclusion and low literacy levels. The research followed a quantitative, cross-sectional, and correlational design. A validated questionnaire was administered to a random sample of 456 individuals aged 18 to 65 during March and April 2024. The survey focused on financial management, use of credit, planned consumption, and investment and savings. Spearman’s rho correlation was employed due to the non-normal distribution of the data. The results revealed a strong positive correlation between overall financial education and personal finances (Rho = 0.726, p < 0.001). Notably, the dimension of investment and savings showed the highest correlation with personal finance (Rho = 0.745), followed by credit use (Rho = 0.642), financial management (Rho = 0.518), and planned consumption (Rho = 0.458). These findings highlight the relevance of financial education in fostering responsible economic behavior and financial stability, particularly in emerging economies. The study underscores the need for comprehensive financial education programs to enhance citizens’ capacity to manage their resources effectively and mitigate risks such as over-indebtedness and lack of savings. Future research should investigate additional socioeconomic variables and the long-term impact of targeted financial education initiatives.