Neurological and behavioural correlates of construal in economic decision-making under cognitive load.

Trends and insights in financial literacy and financial planning: a bibliometric perspective

Financial literacy, attitudes and purchase intention of insurance products in South Africa

Financial literacy and FinTech adoption: a path to empowering small business entrepreneurs in Indian emerging market

Financial literacy, cognitive abilities and gender gap

Women entrepreneurs in Indonesia’s culinary sector: a study on entrepreneurial orientation and financial capability

This research is motivated by the low level of financial welfare among lecturers, which is influenced by the complexity of economic factors, financial behavior, and the development of financial technology. In the context of Muslim society, variables play a very important role in shaping financial satisfaction, especially if mediated by healthy financial behavior. The approach used is Systematic Literature Review (SLR) with the PRISMA protocol, which includes a literature search on the Google Scholar database using the Publish or Perish tool and Bibliometric and VOSviewer analysis of publications during 2014–2024 as many as 127 articles. The four independent variables have a positive influence on financial satisfaction, either directly or indirectly through financial behavior, with sharia financial literacy and financial technology occupying the most dominant position. The integration of the four variables in a single model makes a theoretical contribution to the development of a conceptual framework that integrates cognitive, behavioral, technological, and religious value dimensions. In this paper, the variable of qona'ah attitude is used which is rarely used in the concept of financial satisfaction. This study is mainly in data sources that only include open access literature in the 2014–2024 timeframe, which has the potential to ignore important findings from paid articles or publications prior to that period. For further research, it is recommended to test this mediation model in cross-border and cultural populations, as well as the exploration of the integration of other psychological variables such as financial self-efficacy.

Digital Financial Literacy and E-Commerce Adoption in Egypt: A Structural Equation Modeling Approach

Mapping the Conceptual, Intellectual, and Social Structure of Financial Literacy and Fintech Literature: a Bibliometric Analysis

The role of psychology in investment decision-making: exploring behavioural finance of financial literacy through SEM analysis

This study aims to examine the influence of Islamic financial literacy, saving motivation, service digitalization, and trust on students’ interest in saving at Bank Syariah Indonesia. Primary data were collected through questionnaires distributed to 60 students of the Islamic Finance and Banking Study Program at Medan State Polytechnic. The study employed a quantitative approach using a Likert-scale instrument. The collected data were analyzed using multiple linear regression with SPSS version 26. The findings indicate that Islamic financial literacy (t hitung = 2,842; Sig. = 0,006) and trust (t hitung = 5,001; Sig. = 0,000) have a positive and significant effect on students’ interest in saving, while saving motivation (t hitung = 0,373; Sig. = 0,711) has no significant effect. Conversely, service digitalization (t hitung = -2,166; Sig. = 0,035) shows a negative and significant effect on saving interest. Simultaneously, the four independent variables jointly have a positive and significant influence on saving interest at Bank Syariah Indonesia. The coefficient of determination (R²) of 0.633 suggests that 63.3% of the variation in saving interest can be explained by the four independent variables, while the remaining 36.7% is attributed to other factors not examined in this study.

This study aims to formulate appropriate investment strategies for managing financial portfolios among the millennial generation. The method used in this research is SWOT analysis (Strengths, Weaknesses, Opportunities, Threats), combined with the IFAS (Internal Factor Analysis Summary) and EFAS (External Factor Analysis Summary) matrices to identify internal and external factors that influence millennials' investment decisions. Data were collected through questionnaires and indicator weighting by determining the IFAS and EFAS matrices, involving 83 respondents who are actively using digital platforms for investment, within the millennial age range of 28–43 years. Data processing was conducted using SPSS (Statistical Program for Social Science). The results of the analysis show that enhancing financial literacy knowledge is fundamental for investment, especially for millennials who often make decisions without fully considering the associated risks and benefits. The use of technology, alongside rapid technological development, has significantly facilitated access to various types of information and helped individuals define their investment goals more clearly.

The effect of educational streams on financial literacy in Sri Lankan university students is examined by comparing accounting and non-accounting undergraduates in this study. The study made use of a cross-sectional methodology that is recognised by a structured questionnaire encompassing three major variables, namely Financial Skill, Personal Financial Management, and Financial Literacy Awareness, administered to a total of 208 students, consisting of 104 accounting and 104 non-accounting students. The result from the Mann-Whitney U Test indicates that while accounting students indicated a consistently high mean ranking in respect of all three variables, none of these variables are significantly different from each other from a statistical perspective, following which the p-value is 0.127, 0.058, and 0.308, respectively. These outcomes underpin the statement that sleeper effects exist in respect of levels of financial literacy indifferent of educational streams, thus refuting the view that following an educational stream related to accounting would otherwise raise levels of financial literacy. This study contributes to the existing literature on financial literacy by highlighting the role of influences other than academic disciplines. It calls for targeted interventions in the form of practical financial education programs to address the deficiency in financial literacy. Future research might use individual characteristics and external factors, including family background and the availability of financial resources, to understand the determinants of financial literacy in diverse educational and cultural contexts.

Purpose: This study examines the effects of FinTech adoption and financial literacy on the growth of Small and Medium Enterprises (SMEs) in Zamfara State, Nigeria. It specifically evaluates the influence of mobile money services, agency banking and POS services, and digital microfinance/P2P lending on SME growth, as well as the moderating role of financial literacy in the relationship between FinTech adoption and SME performance. Design/Methodology/Approach: A quantitative research design was employed using primary data collected through a structured questionnaire administered to owners and managers of registered SMEs across various sectors in Zamfara State. A sample of 400 respondents was selected through stratified random sampling. The survey instrument captured data on FinTech usage, financial literacy, and SME performance. Descriptive statistics, Pearson correlation, and multiple regression analyses were used to assess the relationships among the variables. Findings: The results indicate that FinTech solutions, including mobile money, agency banking/POS services, and digital microfinance/P2P lending, significantly enhance SME growth in Zamfara State. Financial literacy also demonstrates a strong positive effect on SME performance and serves as an important moderator, strengthening the impact of FinTech adoption on SME growth outcomes. Implications/Originality/Value: The study highlights the critical role of digital financial services and financial literacy in driving SME growth in an underserved region. It provides empirical evidence relevant to policymakers and financial institutions, recommending the expansion of digital financial access and the integration of financial literacy programmes to promote sustainable SME development in Zamfara State.

Financial technology (FinTech) has revolutionized the banking sector, transforming traditional financial transactions through digital platforms. This study investigates the key factors influencing FinTech adoption among banking customers in Nepal, focusing on financial literacy, government support, perceived ease of use, perceived usefulness, and user innovativeness. Additionally, the study examines the mediating role of user innovativeness in the relationship between financial literacy, government support, and FinTech adoption. Employing a quantitative approach, data were collected from 208 banking customers using a structured questionnaire. PLS-SEM was utilized for analysis. The findings reveal that financial literacy and government support do not have a direct influence on FinTech adoption. However, when mediated by user innovativeness, their indirect effect becomes significant. Perceived ease of use and perceived usefulness exhibit a strong positive relationship with FinTech adoption, highlighting the importance of user-friendly platforms and clear functional benefits. The study’s findings have significant implications for financial institutions, policymakers, and technology developers. While financial literacy and government support alone may not drive adoption, they contribute indirectly by fostering user innovativeness. This underscores the need for strategies that encourage digital adaptability and openness to technology. Future research should explore FinTech adoption across various industries, assess long-term behavioral changes, and examine regional differences in adoption patterns. By understanding these determinants, stakeholders can develop targeted strategies to enhance digital financial inclusion and promote sustainable FinTech growth.

Rural development is closely tied to economic growth and living standards, strongly influenced by access to finance and household financial literacy. Financial literacy enables farmers to manage seasonal incomes, mitigate risks, and plan sustainable agribusiness strategies. However, disparities persist across farming systems, particularly between plantation-based and food crop farmers. This study compares the financial literacy of paddy and coffee farmers in Aceh Province and identifies its determinants and implications for household financial management. Data were collected from 392 respondents, comprising 224 paddy farmers and 168 coffee farmers. Respondents were selected using proportional sampling to represent production clusters, while survey data collection applied purposive sampling to ensure relevance of farming criteria. A structured questionnaire was administered, and analysis employed descriptive comparison, independent t-tests, and path analysis with Smart PLS. Results revealed significant differences: coffee farmers reached a moderate level of financial literacy, while paddy farmers remained at a low level, particularly in interest rates, savings and loans, financial management, and protective finance. Path analysis showed coffee farmers’ financial attitudes shaped literacy and directly influenced financial management, whereas paddy farmers’ literacy depended more on demographics such as age and education, with attitudes exerting indirect effects. These findings emphasize financial literacy as a strategic instrument for household resilience, informed decision-making, and sustainable agricultural development.

Microfinance services including savings, insurance, remittance, and microcredit primarily target women, empowering them to generate income, create assets, and achieve greater financial independence. This study examines the role of microfinance in fostering the quality of life of female clients with a specific focus on microfinance institutions in Pokhara metropolitan, Kaski, Nepal. A sample of 171 respondents was selected from unknown population using a convenience sampling method. Data were collected through structured questionnaires and analyzed using descriptive statistics, correlation, and linear regression techniques. The findings reveal that microfinance significantly improves the economic status of women by enabling them to start small businesses, increase savings, and enhance consumption. Among the different dimensions, financial literacy and micro-enterprise development emerged as the most influential factors, showing significant positive effects on quality of life. While microcredit contributes modestly, micro-insurance demonstrates a weaker influence, suggesting limited perceived benefi ts. Overall, microfinance initiatives strengthen financial capabilities but only moderately translate into improved quality of life, indicating the need for more comprehensive and targeted interventions. The results underscore the importance of microfinance in driving societal and national development, offering valuable insights for policymakers and stakeholders in microfinance institutions (MFIs).

Purpose The purpose of this study is to examine the mediating role of mobile Fintech utilization (MFU) in the relationship between access to finance (FA) and sustainable entrepreneurial performance (SP) of women entrepreneurs from low economic backgrounds, drawing on the Technology–Organization–Environment (TOE) framework. Design/methodology/approach The empirical data were collected from 303 women micro-entrepreneurs linked to community-based organizations, such as self-help groups (SHGs), working in India, and analysed using the Partial Least Squares Structural Equation Modelling technique. Findings The results showed that FA can have both direct and indirect impacts on the promotion of SP in low-income women entrepreneurs. The research also showed that MFU becomes an important mediating variable, which strengthens the relationship between FA and SP. Research limitations/implications Policymakers, financial institutions, development agencies and impact investors should focus on bringing accessible, simple-to-use Fintech services in place to aid digital financial inclusion and literacy, especially to low-income people. Also, the governments can support this by ensuring that they invest in digital infrastructures, reduce regulatory barriers, and encourage public-private collaboration to increase Fintech-based financial inclusion programs. Originality/value This paper incorporates useful insights into the literature on sustainable performance by applying the lenses of the TOE framework to investigate the mediation effect of MFU in the delicate relationship that exists between financial access and sustainable entrepreneurial performance. Moreover, the research adds to the body of literature by targeting low-income and unbanked entrepreneurs among the SHG women in emerging economies, an under-researched target group.

The digital market is defined by features such as platform-based operations, extensive use of data, interactions across multiple market sides, and the influence of network effects. Through the use of data, businesses can forecast market movements and analyze consumer behavior, potentially leading to unfair competitive practices. This study is classified as normative legal research. It employs a statutory-regulatory approach, a conceptual framework, and a comparative analysis. The research method involves a literature review supported by qualitative analytical techniques. Considering regulations in various countries, the utilization of consumer data by online platforms is a key factor in evaluating their market dominance and preventing abuse of dominant position. It is essential for the government to establish a the provisions for the use of consumer or user data on online platforms as one of the characteristics of their dominant position through Government Regulation that harmonizes the provisions of Act Number 5 of 1999, Act Number 8 of 1999, and Act Number 27 of 2022, and regulatory framework to classify dominant online platforms like "gatekeepers" designation by considering factors such as a company's financial strength and data processing capabilities.

The traditional Chinese tea industry, carrying profound cultural connotations, stands as an auniquely distinctive sector in the national economy. Traditional tea enterprises, blessed with rich cultural significance and a stable consumer base, are facing increasingly complex valuation logics due to the rise of emerging tea beverages and shifts in consumer preferences. This study focuses on the Hong Kong stock market and employs the comparable company analysis method to deeply analyse the financial status, brand influence, and product innovation capabilities of two traditional tea enterprises: TenFu's TEA and Lancang Ancient Tea. Through comparative analysis. The aim is to reveal the valuation level and driving factors of Bama Tea, and to explore the true value of traditional tea enterprises. This research aims to assist investors in accurately identifying investment opportunities, effectively avoiding risks, and providing references for strategic adjustments and transformation and upgrading of traditional tea enterprises. It also aims to promote the optimal allocation of industry resources and foster sustainable development in the tea industry.