Transformative Intelligence as a Driver for Enhancing Family Financial Management in the Twenty-First Century: An Integrative Model

This study aims to develop and present a novel theoretical framework that integrates Transformative Intelligence Theory with family financial relationships models to enhance economic management capabilities of twenty-first-century families. The research is based on a theoretical synthesis of the Multi-Dimensional Functional Model and Fluid Reality Theory, translating into a meta-systemic capacity to identify, understand, and modify the dynamic interactions between perception of reality and functioning within it. It identifies that families in the technological era face unprecedented economic challenges requiring the development of cognitive, emotional, and social capabilities that transcend traditional intelligence frameworks. The theoretical analysis reveals that developing Transformative Intelligence, encompassing perceptual flexibility, adaptive functional capability, ecological engagement, and transformative creativity, enables families to develop more effective financial management patterns in dynamic and complex environments. The primary contribution of this research lies in developing a practical model that translates advanced theoretical principles into concrete tools for improving family financial decision-making, strengthening economic communication, and building long-term financial resilience. The model provides a framework for assessment and intervention that addresses both individual needs and cultivates collective capabilities contributing to family well-being and sustainable economic stability.