Financial behavior disparities across race and gender persist in the United States. Historical and structural factors contribute to such disparities. It is important to understand the psychological mechanisms underlying these disparities to begin to achieve wealth equity. This study addressed one potentially relevant psychological construct:…

One major criticism of Universal Basic Income is that unconditional cash transfers discourage recipients from working. Evidence to date has largely relied on targeted and/or conditional transfer programs. However, it is difficult to draw conclusions from such programs because universal transfers may induce a positive demand shock by distributing…

Primary school teachers are one of the main actors in basic education. In this context, their 21st-century skills, math literacy, and financial literacy affect the quality of their teaching. This study aims at examining the relationship between pre-service primary school teachers' mathematical literacy, 21st-century skills, and financial literacy…

This PISA volume examines 15-year-old students' understanding of money matters in 20 countries and economies, and provides insights into differences in performance linked to factors, such as socio-economic background and family interactions. The results highlight the importance that all students receive financial education, in particular those…

The main purpose of this study was to compare delay discounting of hypothetical monetary outcomes by adolescents adjudicated of illegal behavior to that of college students in order to lay a foundation for future discounting work with adjudicated adolescents. It is important to note that we conducted this work during the COVID-19 pandemic, which…

Financial professionals involved in divorce proceedings, whether for a client or an attorney, often use software to project the ability of a dependent spouse to earn income off of her separate estate. These projections have historically relied on static inputs and use a Monte Carlo simulation to illustrate the paths a portfolio might take. Within…

The main aim of the study was to identify the image of gender equality in Polish primary school textbooks. A thematic analysis of textbook content with elements of constant comparison method was carried out based on the six domains of the Gender Equality Index: work, money, knowledge, time power, and health. A total of 56 textbooks (32 Polish…

This study investigates the financial literacy of college student-athletes, a group facing unique financial challenges and opportunities, particularly with the growth of name, image, and likeness deals. Using data from the 2020 National Postsecondary Student Aid Study, this research compares the financial literacy levels of student-athletes to…

Purpose: Despite the introduction of structural reforms to the students' loan scheme (SLS) in Ghana's higher education sector, patronage is still low. This paper aims to examine the complexity of technological and behavioural factors underpinning the low rate of students' loan adoption in Ghana. It further contributes to the body of knowledge by…

The "campus loans" crisis has highlighted the importance of financial literacy among Chinese college students. Based on an analysis of 2,266 valid questionnaires, this study utilized survey data and logistic regression to examine the correlations between demographic and behavioral factors and financial literacy among students. The…

This paper examines the role of numeracy in smoothing financial difficulties during the COVID-19 pandemic. The results show that numeracy was associated with a 30% reduction in late or non-payment of bills and a 20% reduction in the odds of feeling financially squeezed. The effect of numeracy on financial wellbeing was remarkably consistent across…

Diversity influences students' learning experience and their ability to learn. Gender is one of the characteristics of student diversity that could affect students' attitudes. The purpose of this study was to determine whether differences manifest in men and women students' experience of collaborative learning. An existing questionnaire was used…

The purpose of this study was to describe the relationships between financial literacy and financial capability rates of 18-24-year-olds and formal financial education in public K-12 schools. Though much has been studied about financial education, financial literacy, and financial capability, there are few clear answers about the relationships…

This study compares the financial knowledge of Korean (N = 1006) and German (N = 1346) university students. The country-specific adaptations of the US-American Test of Financial Literacy was used to assess financial knowledge. Financial knowledge can be divided into three areas (everyday money management; banking; insurance). German students show…

Purpose: The study intends to evaluate students' intention to shift from cash payment to mobile payment system for academic fee payments through push, pull and mooring framework. Push factors comprise risk and service-related factors, pull factors consist of subjective and aspect-based factors and mooring factors include cost and cognitive…