Abstarct: This study aims to examine the financial literacy of Iranian students, with a focus on identifying needs, analyzing barriers, and presenting models baxsed on futures studies. Using a systematic approach, key factors influencing financial literacy were identified and analyzed. These factors include academic education, government policies, financial awareness, digital platforms, family influences, financial technologies, micro and macroeconomic conditions, media influences, peer effects, legal facilities, business environment, individual factors, blockchain programs, and legal barriers. Through a qualitative approach employing the Delphi method and a review of previous research, the study's variables were determined. MICMAC software was used to identify interrelations and mutual influences among the variables. This software, as a critical analytical tool, enabled a deep evaluation of the direct and indirect effects of the variables on one another, creating a network structure of influential factors. The findings highlight academic education, government policies, legal facilities, and technological variables as key drivers shaping financial literacy, with substantial impacts on other variables. Emerging financial technologies and digital platforms are identified as having the most significant influence on the future, with the potential to effectively enhance financial literacy. Various models for the future development of financial literacy were outlined in this study. These models encompass the transformative impacts of financial technologies, changes in educational and economic policies, and the strengthening of the role of families and society in improving students' financial literacy. In conclusion, the study emphasizes the necessity of adopting a multidimensional approach to improve financial literacy, combining policy-making, modern education, and the utilization of advanced technologies. The feedback model presented in this research not only aids in analyzing the current state but also serves as a strategic roadmap for a more sustainable future. This model provides a comprehensive approach for policymakers and decision-makers to design more effective programs for the development of financial literacy.