... of how financial literacy and cognitive skills in adolescents influence utilization, spending exceeding cash, and overdue payments in BNPL services. Notably, BNPL services are significantly influenced by the financial literacy of youths, with cognitive skills demonstrating an opposing effect...

...Carol Springer Sargent; Charles Asa Lambert; Blake D. Bowler Consumers’ financial behavior impacts both individual financial health and the broader economy. Organizations have devoted considerable resources to nudging financial literacy, long correlated with financial behaviors, to improve citizens...

... the mediating role of financial stress in the relationship between financial vulnerability and healthy financial behavior. The study also explores the moderating role of financial literacy through a moderated mediation analysis. Findings reveal that financial vulnerability positively influences healthy...

...Shashank Kathpal; Asif Akhtar; Asma Zaheer This study scrutinizes the relationship between the investor’s financial literacy and heuristic-driven biases (Overconfidence, Representativeness, Availability, and Anchoring Bias). Further, it attempts to examine the mediating role of risk perception. We...