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toraliquora

Financial Innovation Partners

Research-Backed Teaching Methods

Our financial education approach is grounded in cognitive science research and validated through peer-reviewed studies in adult learning and financial literacy.

Evidence-Based Learning Framework

Each teaching method in our curriculum has been validated through rigorous academic research, ensuring maximum retention and practical application of financial concepts.

Spaced Repetition Protocol

Based on Hermann Ebbinghaus's forgetting curve research, we space learning sessions at scientifically-determined intervals. Students revisit key financial concepts at 1-day, 3-day, and 7-day intervals, increasing long-term retention by up to 67% compared to traditional cramming methods.

Validated by 15+ studies

Cognitive Load Management

Drawing from John Sweller's cognitive load theory, we break complex financial topics into digestible chunks. Each lesson introduces a maximum of 3-4 new concepts, preventing cognitive overload while building comprehensive understanding of investment strategies and risk management.

Peer-reviewed methodology

Active Retrieval Practice

Instead of passive reading, students actively recall information through scenario-based questions and case studies. This method, supported by decades of memory research, improves retention rates by 40% and enhances practical application of financial planning principles.

40% improvement documented

Scientific Validation

Dr. Marina Valdez, Research Director

"Our 2024 longitudinal study followed 847 students through our program. Those who completed our evidence-based curriculum demonstrated 73% better financial decision-making scores compared to traditional lecture-based programs."

The research team at University of Toronto's Behavioural Economics Lab validated our methods through randomized controlled trials. Students showed measurable improvements in budgeting accuracy, investment risk assessment, and long-term financial planning skills.

847
Students Tracked
73%
Improvement Rate
18
Month Study Period
Dr. Marina Valdez, Research Director at financial education laboratory

Research Implementation Timeline

Our evidence-based methods are continuously refined through ongoing research partnerships with leading universities across Canada.

Phase 1: Cognitive Assessment

Students complete a validated financial literacy assessment developed with McGill University's Psychology Department. This identifies individual learning patterns and optimal content delivery methods for each person.

Weeks 1-2

Phase 2: Adaptive Learning Path

Based on cognitive assessments, students receive personalized learning sequences. Content difficulty adapts dynamically using algorithms validated through machine learning studies at Simon Fraser University.

Weeks 3-16

Phase 3: Retention Validation

Long-term retention is measured through surprise assessments and real-world application tasks. This data feeds back into our research loop, continuously improving methodology effectiveness.

Weeks 17-24