Closing the Financial Literacy Gap: A Review of Technology-Based Solutions for Low-Income Migrant Workers in Qatar

In Qatar and across the Middle East, millions of low-income migrant workers face persistent financial challenges due to limited financial literacy, language barriers, and restricted access to banking services. Comprising nearly 95% of Qatar's labor force, these workers remain among the most financially vulnerable populations in the region. Workers are exposed to poor budgeting, financial exclusion, and scams, particularly during remittance transfers. Drawing on published surveys and case studies, this review examines the systemic barriers facing this population and evaluates existing technology-based interventions designed to address them. The analysis reveals significant gaps in current platforms, particularly in visual accessibility of app interfaces and educational content, multilingual design, and scam education. Based on these findings, this paper proposes a multilingual mobile app combining visual financial tools, translated video content, and interactive budgeting features to help workers manage income, avoid fraud, and make better financial decisions. This review argues that accessible, technology-driven financial education represents the most scalable pathway to financial inclusion for low-income migrant workers in Qatar and the broader Gulf.