Search Results - subject_exact:"Financial literacy"

Gendered financial literacy and digital marketing adoption : insights from female entrepreneurs in an emerging economy

Nuraisyiah; Azis, Muhammad; Hasan, Muhammad - 2026

In developing economies, women entrepreneurs play a vital role in advancing inclusive growth, yet their financial and digital capabilities often remain constrained by gendered barriers. This study investigates how financial literacy evolves into a gender-sensitive capability that drives digital...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609795

Learning by doing: how a real access to credit products influence people's financial knowledge in Colombia

Morales-Neira, Camilo; Camacho-Murillo, Andrés - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015611706

Financial literacy and saving behavior : global cross-sectional evidence

Afonso, António; Rodrigues, Eduardo de Sá Fortes Leitão - 2026

Savings play a critical role in both individual financial well-being and economic development. This article examines the impact of financial literacy, income, educational level, and age on saving decisions across 136 countries, using data from the Global Financial Inclusion Database (2021) and...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015587535

Is financial knowledge really declining? : randomized evidence on the effects of smartphone responses

Burke, Jeremy; Urban, Carly; Valdes, Olivia - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015604158

Structural conditions for financial literacy diffusion in Morocco : an ARDL approach

Lahjouji, Hamida; Haddadi, Mariam El - 2026

In a worldwide context marked by increasing attention to financial literacy as a factor of financial inclusion, Morocco take part of this dynamic, seeking to improve the financial skills of its population. This article does not measure financial literacy directly but aims to explore the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015625885

Financial literacy and the retirement gender gap : the role of cultural schemas

Green, Li-Noy; Herbst-Debby, Anat - 2026

This qualitative study explores the construction of financial literacy in the context of retirement among young women in Israel, in light of available cultural schemas. The research challenges economic models that rely solely on assumptions of rationality and self-interest, offering a...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015628601

Financial literacy, “don’t know” replies and investor’s trading behavior

Tedde, Mariachiara - 2026 - Prima edizione

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015641799

Warning signal and broker’s misconduct in financial markets

Tedde, Mariachiara - 2026 - Prima edizione

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015641816

Understanding millennials' financial behavior : the role of Fintech adoption, financial literacy, and the mediating effect of financial attitudes in a crisis-affected emerging economy

Aoun, Dani; Rahal, Rita; Sfeir, Layal; Al Maalouf, Nada … - 2026

This study investigates how financial literacy, FinTech adoption, and financial attitudes shape economic decision-making among millennials in Lebanon, a crisis-affected emerging economy. The study examines whether enhancing financial literacy can strengthen economic resilience through improved...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015643100

Beyond the playing field : financial literacy competencies for professional athletes in team sports

Moolman, Jaco - 2026

The importance of financial literacy for professional athletes is undeniable. This study aimed to build on previous research by identifying the financial literacy content areas that require the highest level of competence for professional athletes competing in team sports. To address this, 12...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015644219

Does hyperbolic discounting mediate the association between financial literacy and investment in risky assets?

Khan, Mostafa Saidur Rahim; Kadoya, Yoshihiko - 2026

Investment in risky financial assets plays a crucial role in individual wealth accumulation and broader financial market development. However, existing research has primarily emphasized financial literacy while giving limited attention to behavioral mechanisms that may weaken its influence on...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015644250

Determinants of digital asset investment intention among mutual fund investors in Thailand

Wilasinee Jiaranaipayuk; Amnuay Saengnoree; Sujira … - 2026

This study examined the determinants of intentions to participate in digital asset investment among Thai mutual fund investors with medium-to-high risk tolerance by extending the Theory of Planned Behavior (TPB) to include financial literacy and trust. A quantitative survey was conducted with...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015656205

Understanding debt in the older population

Lusardi, Annamaria; Mitchell, Olivia S.; Oggero, Noemi - 2026

We explore debt and debt management among older Americans (ages 51-61 years) using the 2018 National Financial Capability Study. Though these individuals should have been at the peak of their retirement savings, we show that many were heavily indebted, often due to unpaid medical bills and...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015647147

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Understanding debt in the older population

Lusardi, Annamaria; Mitchell, Olivia S.; Oggero, Noemi - 2020

Book / Working Paper

Understanding debt in the older population

Lusardi, Annamaria; Mitchell, Olivia S.; Oggero, Noemi - 2020

Book / Working Paper

Understanding Debt in the Older Population

Lusardi, Annamaria; Mitchell, Olivia S.; Oggero, Noemi - 2022

Book / Working Paper

Understanding Debt in the Older Population

Lusardi, Annamaria; Mitchell, Olivia S.; Oggero, Noemi - 2020

Book / Working Paper

Understanding Debt in the Older Population

Lusardi, Annamaria - 2020

Book / Working Paper

Preferences, financial literacy, and economic development

Rodríguez-Planas, Núria; Davoli, Maddalena - 2026

Using data from 74 countries, we uncover important differences in the association between financial literacy and preferences by the level of economic development. Patience is salient and positively associated to financial literacy in wealthier countries, i.e., countries with GDP per capita above...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015647151

Dynamics of financial decisions for 21st-century economic environments : the link between business performance, inclusion, and financial literacy of entrepreneurs in Latin America

Chuquimia-Rivero, Wladimir; García-Salirrosas, … - 2026

Entrepreneurs represent a key piece in the generation of jobs and contribution to the economy through the performance of their businesses. Taking into account that literacy and financial inclusion constitute a business facilitator for the development of businesses, this study was based on...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015652370

Opt-in or opt-out? : the power of defaults in pension enrollment choices

Bucher-Koenen, Tabea; Wallossek, Luisa; Winter, Joachim - 2026

Default settings strongly increase pension enrollment, especially when savings incentives are high and choices are complex. We show that the effect is weaker when incentives are low, options are simple, and opting out is easy. We study the nationwide introduction of auto-enrollment for...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015632266

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Opt-in or opt-out? : the power of defaults in pension enrollment choices

Bucher-Koenen, Tabea; Wallossek, Luisa; Winter, Joachim - 2026

Book / Working Paper

From theory to debt decisions : evidence on financial literacy among university students

Kovalova, Erika; Durana, Pavol; Zvarikova, Katarina; … - 2026

Financial literacy represents a fundamental competence in contemporary knowledge-based economies, particularly in the context of increasingly complex corporate financing instruments. Insufficient financial literacy may lead to suboptimal debt decisions, inefficient capital structures, and...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015633099

Do people know who knows? : evidence from advice networks

Mariño Fages, Diego - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015669106

Assessment of the impact of financial literacy on inflation expectations based on pseudo-panel data for Russia

Tumanyants, Karen A.; Kuleshov, Fyodor B.; Penikas, Henry; … - 2026

Many studies have found that inflation expectations vary systematically across population groups. This heterogeneity is driven among other factors by the level of financial literacy - a pattern documented for Russia as well. Earlier Russian evidence, however, rested on a single survey wave; we...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015668276

Financial literacy and over-indebtedness : is there a relationship?

Abduramanov, Artem Y.; Kuzina, Olga E.; Moiseeva, Daria V. - 2026

This paper assesses the relationship between financial literacy and over-indebtedness of Russian households using panel data from the Survey of Consumer Finances collected in Russia during 2018-2024. Russia is an interesting case: a relatively young consumer-finance market in which a lack of...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015668277

Associations between financial literacy and financial distress among healthcare professionals : evidence from oncology hospital nurses

Hamurcu, Çağrı; Hamurcu, Hayriye Dilek Yalvac; … - 2026

Individual financial health significantly relates to overall well-being and professional performance, representing a critical aspect of human capital. Financial difficulties are associated with financial distress, particularly among professionals in demanding and stressful work environments...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015666337

How can financial literacy solve the rural-urban income mobility dilemma-financial inclusion or the Matthew effect?

Peng, Xiangjun; Fu, Xiaocong - 2026

Against the dual backdrop of China's rapid economic growth and the continuous expansion of the income gap between urban and rural areas, income mobility, as a dynamic indicator for measuring social opportunity equity, is of great significance for breaking through class solidification and...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015676766

Longevity beliefs and retirement planning : evidence from an information experiment and expert forecasts

Curi, Claudia; Dibiasi, Andreas; Ploner, Matteo; Tonin, … - 2026 - This Version: August 2026

Using original survey data from working-age individuals in Northern Italy, we study longevity beliefs and other key knowledge components relevant for retirement decisions. We find substantial dispersion in population longevity beliefs, with 40% of individuals misestimating life expectancy by...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016063983

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Longevity beliefs and retirement planning : evidence from an information experiment and expert forecasts

Curi, Claudia; Dibiasi, Andreas; Ploner, Matteo; Tonin, … - 2026

Book / Working Paper

Cognitive bias and trust in digital accounting decisions

Lampropoulos, Ioannis Ch.; Aggelopoulos, Eleftherios; … - 2026

This study maps how cognitive and behavioral concepts such as trust, emotion, and bias are represented in the literature on digital financial accounting-based decision-making and FinTech adoption (artificial intelligence, blockchain, big data analytics, and automated reporting). The study...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064164

Financial literacy and teachers' saving behavior : evidence of a mediated relationship through financial practices and the role of technological access

Linares Rojas, Thalía Marianela; Arbulú Ballesteros, … - 2026

Financial literacy has become critical for mitigating everyday financial risks and sustaining saving behavior, particularly in professions with stable but often constrained income such as teaching. This study examines whether financial literacy predicts teachers' saving habits indirectly through...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016063905

Digital credit and debt traps : behavioral and socio-cultural drivers of FinTech indebtedness in Indonesia

Ari Warokka; Sartika, Dewi; Aqmar, Aina Zatil - 2025

FinTech-based lending has rapidly expanded in emerging economies, offering convenience and inclusion but also raising concerns about over-indebtedness. In Indonesia, the surge of digital loans has been accompanied by growing signs of risky borrowing behavior, including late payments, high...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015547444

Gendered perspectives in capacity development and financial literacy in the mining industry in Mpumalanga Province

Baker, Sabelo Merrander; Ngonyama-Ndou, T. L. - 2025

Financial literacy is not just an individual skill but a crucial enabler for sustainable development and gender equality, particularly in historically male-dominated sectors like mining. Despite progress in financial inclusion, women in Mpumalanga's mining industry continue to face systemic...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015548850

Financial literacy in Japan's lending-based crowdfunding : the role of peripheral and diagnostic signals

Yoshioka, Motomi; Nose, Yoshiaki; Mori, Yoshihiro - 2025

In this study, we empirically examine the determinants of fundraising success in Japan's lending-based crowdfunding (LBCF), with a focus on the financial literacy of investors. Using 465 campaigns on the LBCF platform "Bankers" (December 2020-September 2024), we test two predictions derived from...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015548906

Perceptions of microfinance : evidence from a household survey in Cambodia

Samreth, Sovannroeun - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015323596

The impact of hyperbolic discounting on asset accumulation for later life : a study of active investors aged 65 years and over in Japan

Nabeshima, Honoka; Lal, Sumeet; Izumi, Haruka; Himeno, … - 2025

Asset accumulation in later life is a pressing issue in Japan due to the growing gap between life expectancy (87.14 years for women, 81.09 years for men in 2023) and the retirement age (65 or less). This gap heightens financial insecurity, emphasizing the need to meet asset goals by 65....

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015331188

The relationship between financial education in young adults and financial literacy : a review of the literature in Canada and the United States

Adesina, Folasade; Carnaghan, Carla; Smith, James - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015332183

Who prefers guessing to admitting they don't know? : measurement error in financial literacy surveys

Bertola, Giuseppe; Lo Prete, Anna - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015466325

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Who prefers guessing to admitting they don't know? : measurement error in financial literacy surveys

Bertola, Giuseppe; Lo Prete, Anna - 2025

Book / Working Paper

Who prefers guessing to admitting they don't know? : measurement error in financial literacy surveys

Bertola, Giuseppe; Lo Prete, Anna - 2025

Book / Working Paper

More than knowledge : consumer financial capability and saving behavior

Núñez-Letamendia, Laura; Sánchez-Ruiz, Patricia; … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015333768

The gender gap in economic and financial literacy : a review and research agenda

Haag, Lucy; Brahm, Taiga - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015333840

Retirement readiness in the baltics : the roles of financial literacy, product ownership, and advisory confidence

Rupeika-Apoga, Ramona; Priede, Janis - 2025

This study examined the relationships between financial literacy, financial product ownership, confidence in financial advisers, and confidence in retirement readiness across Estonia, Latvia, and Lithuania. By using data from the Flash Eurobarometer 525 survey (March 2022) and applying...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015334541

The effects of financial knowledge, skill, and self-assessed knowledge on financial well-being, behavior, and objective situation

Phelps, Nathan; Metzler, Adam - 2025

The effects of certain abilities on financial outcomes have been debated for several years. Some argue that financial knowledge is key to financial success, while others have found financial skill and self-assessed knowledge are more important. This study contributes to this debate by providing...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015338289

Forecasting financial literacy levels with respect to consumer shopping behaviour

Kicova, Eva; Svabova, Lucia; Ponisciakova, Olga; … - 2025

Contemporary consumer society is deeply intertwined with the concepts of money and shopping, which are closely related yet often studied separately. Despite their interconnectedness, there is a notable gap in research that simultaneously addresses financial literacy as a tool for effective money...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015338329

Financial literacy and credit card payoff behaviors : using generalized ordered logit and partial proportional odds models to measure American credit card holders' likelihood of repaying their credit cards

Giannikos, Christos; Korkou, Efstathia D. - 2025

According to the Federal Reserve of the United States, in the second quarter of 2024, American credit card debt reached USD 1.14 trillion, the highest balance ever recorded. In an age of high-interest, complex credit cards, how does financial literacy affect credit card debt repayment? Also, how...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015338340

Effects of financial literacy and financial behavior on financial well-being : meta-analytical review of experimental studies

Phaktada Choowan; Hanvedes Daovisan; Charin Suwanwong - 2025

The purpose of this meta-analytical review of experimental studies was to examine the effects of financial literacy and financial behavior on financial well-being. This research was conducted by a master's in library and information science (MLIS)-trained Information Specialist using the PICO...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015338408

Payment literacy pays off : higher trust and financial inclusion

Cruijsen, Carin van der; Haan, Jakob de - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015338898

Who remains unbanked in the United States and why?

Calem, Paul Seth; Henderson, Christopher; Wang, Jenna - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015357250

The impact of board games on the financial literacy of public-school students

Reisdorfer-da-Silva, Rômulo César; Becker, Kalinca Léia - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015190658

Bank-advisor certification and willingness to pay for sustainable finance products

Holzheu, Katharina; Wekhof, Tobias - 2025

We examine Swiss retail investors' willingness to pay (WTP) for sustainable finance products and the influence of bank advisor certification. In a hypothetical choice experiment with a randomized controlled trial (RCT), we assigned participants to either a priming treatment with a bank advisor...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015175523

Examining the financial and commercial literacy of Australian Indigenous small business owners

Brimble, Mark; Weaven, Scott; Wildman, Karen L.; Blue, Levon - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015387033

The nexus between financial innovation, sustainable finance, and financial literacy for sustainable development of developing countries : a systematic literature review

Nabbanja, Tilda; Ozdamli, Fezile - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015417893

Riding the housing wave : home equity withdrawal and consumer debt composition

Grodecka-Messi, Anna; Li, Jieying; Zhang, Xin - 2025

Using a monthly panel dataset of individuals' debt, we show that house price changes can explain a significant fraction of personal debt composition dynamics. We exploit the variation in local house price growth as shocks to homeowners' housing wealth to study the consequential adjustment of...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015424091

Does financial literacy enhance banking transactions among rural people with access to bank accounts? : insights from a field experiment in Ghana

Osei, Yaa Afi; Barnard, Helena; Derban, William; … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015447000

A dual-learning pathway : how digital orientation and financial literacy shape digital transformation in Chinese agriculture enterprises

Fu, Haoran; Ramayah T. - 2025

This study mainly explores the direct effects of financial literacy, acquisitive learning, and experiential learning on digital transformation, while also analyzing the direct influence of digital orientation on both acquisitive and experiential learning. At the same time, this study also...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015447974

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A dual-learning pathway: How digital orientation and financial literacy shape digital transformation in Chinese agriculture enterprises

Fu, Haoran - 2025

Article

Overconfidence and investment loss tolerance : a large-scale survey analysis of japanese investors

Nabeshima, Honoka; Khan, Mostafa Saidur Rahim; Kadoya, … - 2025

Accepting a certain degree of investment loss risk is essential for long-term portfolio management. However, overconfidence bias within financial literacy can prompt excessively risky behavior and amplify susceptibility to other cognitive biases. These tendencies can undermine investment loss...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015449015

The importance of pension and financial knowledge for pension plan participation in Italy

Castagno, Elisa; Caretta, Alessandra; Giacomel, Elisabetta - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015449558