This paper examines different barriers to formal saving, considering various interventions
and their possible effects at microeconomic and macroeconomic levels. It presents a …

This conceptual article uses the theory of planned behaviour and the social comparison
theory with an aim to propose an integrated conceptual model of individual financial well …

Consumption behaviour and financial literacy are primary factors in determining the financial
well‐being of retirees. This paper uses an existing financial literacy index to examine how …

This paper provides evidence of how noncognitive abilities affect financial distress. In a
representative panel of households, we find that people in the bottom quintile of …

Purpose This study examines the role of the big five personality traits: conscientiousness,
openness, extroversion, neuroticism and agreeableness in financial planning …

This paper analyzes the importance of numerical abilities, conscientiousness, and financial
literacy for individuals' financial decision making and participation in formal financial …

Many countries need to stimulate pension participation and contribution to ensure their
citizens are prepared adequately for retirement. Identifying at-risk groups with tendencies of …

Abstract Introduction Extraversion and Conscientiousness are well‐studied personality traits
associated with reward processing and goal prioritization, respectively, and bear on …

Individuals frequently struggle with the challenge of sufficiently saving for retirement, a
problem that can significantly impact the quality of life for retirees. Numerous strategies have …

University students are potential customers of peer-to-peer (P2P) lending and pawnbroking
services. However, the existing literature has primarily underestimated such borrowers' …