Search Results - subject_exact:"Finanzwissen"

Digital & sustainable financial literacy for inclusive social development : challenges, innovations & impact : book of proceedings : 132nd esd Aveiro 2026

2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015618719

Overconfidence, knowledge of the retirement income system, and retirement planning

D'Astous, Philippe; Glenzer, Franca - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609287

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609795

I am so tired! I don't know what to do! survey fatigue and financial literacy : results from a randomized experiment

Chernesky, Anna; Huynh, Kim P.; Voia, Marcel-Christian - 2026 - Last updated: March 4, 2026

Cross-country evidence finds that there are low levels of financial literacy. Financial literacy is often measured using the "Big Three" questions about interest rates, inflation, and risk. These questions are usually part of a longer survey. Respondents in long surveys may suffer survey fatigue...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015610866

The relationship between psychological factors and retirement financial plan and its gender difference

Ren, Han; Lim, Thien Sang - 2026

As China's population ages and the sustainability of the public pension system is at risk, personal savings become crucial. As such, the quality of financial planning for retirement (FPR) has been recognized as a key to safeguarding financial well-being during retirement. This study examines the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611325

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611706

How framing susceptibility is associated with investment grip : evidence from Japanese retail investors

Otchere-Appiah, Gideon; Kuramoto, Yu; Bawalle, Aliyu Ali; … - 2026

This study builds on the concept of loss tolerance by introducing investment grip, a behavioral interpretation that captures investors' commitment to long-term objectives under adverse market conditions. While loss tolerance traditionally measures the maximum financial loss an investor can...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015615249

The devil is in the details : state-mandated personal finance education and financial well-being

Collins, J. Michael; Urban, Carly - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015553766

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The devil is in the details : state-mandated personal finance education and financial well-being

Collins, J. Michael; Urban, Carly - 2025

Book / Working Paper

Stereotypes, financial literacy, and confidence : an information provision experiment

Peter, Julia; Schuetz, Jana - 2026

Financial literacy is an important prerequisite for making informed financial decisions, but it remains low, especially among women and older people. Internalized stereotypes can undermine confidence and subsequently affect behavior in financial matters, leading to suboptimal decisions. This...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015586887

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Stereotypes, financial literacy, and confidence : an information provision experiment

Peter, Julia; Schuetz, Jana - 2025

Book / Working Paper

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://www.econbiz.de, 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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604158

Who's in? : household-targeted government policies and the role of financial literacy in market participation

Filippin, Maria Elena - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625014

Financial literacy and consumer protection in the Cambodian microfinance sector

Samreth, Sovannroeun; Aiba, Daiju; Men, Pheakdey - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625112

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625885

Tech triumph or literacy lapse? : the intersecting narratives of financial inclusion efficiency, sustainable development goals, and technology

Singh, Saumya; Rajput, Aditi; Gopalkrishnan, Santosh; … - 2026

The goal of inclusive development places financial inclusion at the forefront of sovereign development policies, particularly in economies that are investing in digital technologies. Despite the world's progression towards technology, there is minimal empirical evidence of how efficient these...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626628

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628601

Digital financial literacy core competency framework for adults in ASEAN

2026

In members of the Association of Southeast Asian Nations (ASEAN) and other countries and economies around the world, financial products and services, as well as tools to manage personal finances, are increasingly digitalised. This paper presents a framework of competencies for digital financial...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015629461

OECD/INFE Toolkit for Measuring Financial Literacy, Inclusion and Well-Being 2026

2026

The OECD International Network on Financial Education (OECD/INFE) co-ordinates the International Survey of Adult Financial Literacy, Inclusion and Well-Being every three to four years. The survey measures levels of financial literacy (covering the dimensions of knowledge, behaviour and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015630651

Digital financial literacy and hyperbolic discounting : evidence from Japanese investors

Shiiku, Asahi; Otchere-Appiah, Gideon; Khan, Mostafa … - 2026

This study investigates the relationship between digital financial literacy (DFL) and hyperbolic discounting among 104,993 active securities account holders in Japan. As digital financial services expand rapidly, individuals increasingly require not only traditional financial knowledge but also...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015639085

Understanding FinTech adoption drivers for digital financial sustainability in urban and rural MSMEs

Budi Setiawan; Rani, Sasiska; Emilda, Emilda; Arifin, … - 2026

This study investigates the determinants of FinTech adoption and its role in supporting financial inclusion among micro, small, and medium enterprises (MSMEs) in South Sumatra, Indonesia. The analysis applies an extended Unified Theory of Acceptance and Use of Technology (UTAUT) framework that...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015639162

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

Tedde, Mariachiara - 2026 - Prima edizione

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015641799

Warning signal and broker’s misconduct in financial markets

Tedde, Mariachiara - 2026 - Prima edizione

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015641816

Gender, financial literacy and active stock market participation

Tedde, Mariachiara - 2026 - Prima edizione

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015641934

Digital financial literacy and investment grip : a study of Japanese active investors

Bawalle, Aliyu Ali; Lal, Sumeet; Khan, Mostafa Saidur Rahim - 2026

Investors' ability to retain investments during bearish and uncertain market periods is a crucial behavioral trait for long-term wealth accumulation and reduces market instability. Nevertheless, little is understood about how digital financial literacy (DFL) shapes the capacity of increasingly...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015643078

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://www.econbiz.de, 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://www.econbiz.de, 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://www.econbiz.de, 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://www.econbiz.de, 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://www.econbiz.de, 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://www.econbiz.de, 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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015652370

Financial education and micro-business performance : mediating role of financial inclusion in the digital age of micro-business in the capital of Peru

Lozano-Taricuarima, Jorge; García-Salirrosas, … - 2026

Economic challenges are a latent reality in emerging economies such as Peru, and the growth capacity of entrepreneurs depends largely on certain factors, such as education and financial inclusion. To delve deeper into these factors, this study aims to analyze the association between...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015653768

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://www.econbiz.de, 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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015633099

Do people know who knows? : evidence from advice networks

Mariño Fages, Diego - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015669106

Improving the welfare of bamboo woven craftsman : starting from financial literacy and social capital, through to entrepreneurial spirit and business performance

Meitriana, Made Ary; Yuliarmi, Ni Nyoman; Marhaeni, … - 2026

This study aims to investigate the impact of financial literacy and social capital on the welfare of bamboo woven artisans, as mediated by business performance and entrepreneurial spirit. The study included 209 bamboo weaving artisans from Tigawasa Village actively performing their operational...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015653870

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://www.econbiz.de, 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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015668277

Drivers of stock market participation : a comprehensive review of key influencing factors

Anjana, S. - 2026

Purpose - This study traces the origin, evolution, and conceptual development of cognitive, behavioural and other drivers of stock market participation. This systematic review analyzed contemporary developments and national and global contributions to this field. This study identifies the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015669943

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015666337

A bibliometric analysis of digital financial literacy and its role in reducing online financial fraud in the European Union

Koponicsné Györke, Diána - 2026

The rapid digitalization of financial services in the European Union (EU) has not only enhanced convenience and inclusion but also increased exposure to sophisticated online financial fraud. Digital financial literacy (DFL) is widely promoted as a key tool for empowering consumers and reducing...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015591423

The causal effects of confidence awareness on financial literacy and behaviour

Lee, Ines; Lleó-Bono, Ana; Rauh, Christopher; Tipoe, Eileen - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015546521

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The causal effects of confidence awareness on financial literacy and behaviour

Lee, Ines; Lleó-Bono, Ana; Rauh, Christopher; Tipoe, Eileen - 2025

Book / Working Paper

The causal effects of confidence awareness on financial literacy and behaviour

Lee, Ines; Lleó-Bono, Ana; Rauh, Christopher; Tipoe, Eileen - 2025

Book / Working Paper

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015547444

Cognitive reflection, arithmetic ability and financial literacy independently predict both inflation expectations and forecast accuracy

Comerford, David A. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015440554

ESG in investor profiling : what are we talking about?

Lippi, Andrea; Poli, Federica - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015202502

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://www.econbiz.de, 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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015548906

Perceptions of microfinance : evidence from a household survey in Cambodia

Samreth, Sovannroeun - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015323596

Early pension withdrawals in Chile during the pandemic

Fuentes, Olga; Mitchell, Olivia S.; Villatoro, Félix - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015374551

Financial education mandates and financial wellbeing of young adults : examining financial capability factors as mediators

Fan, Lu; Zeng, Yingying - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015374642