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Open research questions in Financial Literacy and Behavior

288 gap statements mined from Financial Literacy and Behavior papers in our 7.9M-paper local library, which holds 828 papers on the topic — drawn mostly from each paper's own stated research gap, future-work, challenge and limitation notes, and its abstract. The ones listed below are a selection still marked open; each names the study that raised it, with a DOI link where the paper has one.

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What the literature leaves open

  • Given that traditional financial literacy and capability showed non-significant influences, future research should investigate other potential moderating variables, such as technological readiness, innovation capability, and entrepreneurial orientation, to develop a more comprehensive understanding of performance drivers.

    Financial literacy and environmental dynamism: The moderating role of digital financial capability on the performance of women-owned SMEs in Calapan City, Oriental Mindoro, Philippines · 2026 · DOI

  • Income shock associated with the transition from being students to workers. Limited understanding of financial management behavior and making financial decisions among young individuals.

    ARTIFICIAL INTELLIGENCE, BEHAVIORAL MECHANISM LINKING FINANCIAL LITERACY TO FINANCIAL PLANNING: A SURVEY FROM FIRST JOBBERS · 2026 · DOI

  • Limited understanding of the relationship between financial literacy and financial planning among first jobbers. The need to investigate the mediating role of cognitive bias and artificial intelligence on financial literacy and financial planning.

    ARTIFICIAL INTELLIGENCE, BEHAVIORAL MECHANISM LINKING FINANCIAL LITERACY TO FINANCIAL PLANNING: A SURVEY FROM FIRST JOBBERS · 2026 · DOI

  • The study identifies the challenge of limited financial literacy among Generation Z. The study highlights the challenge of impulsive spending and short-term financial decision-making. The study notes the challenge of regulating fintech companies to prevent exploitative practices.

    Exploring Personal Financial Management Behaviour Among Generation Z in the Digital Financial Ecosystem : A Qualitative Study · 2026 · DOI

  • There is a lack of understanding about how Generation Z manages their finances in the digital financial era. There is a need to explore how technology, lifestyle, financial knowledge, and psychological factors affect how people handle their money.

    Exploring Personal Financial Management Behaviour Among Generation Z in the Digital Financial Ecosystem : A Qualitative Study · 2026 · DOI

  • There is a lack of study that combines hedonic lifestyle, self-control, and e-wallet usage all at once. The current study aims to fill this knowledge vacuum.

    Hedonistic Lifestyle, Self-Control, and E-Wallet Use in Relation to Student Financial Management in Malang · 2026 · DOI

  • The sample size is limited to 153 participants. The study relies on self-reporting, which may be subject to biases.

    Psychological Factors and Financial Aspects Impacting EMI Adoption on Consumer Consumption · 2026 · DOI

  • Future studies should investigate the impact of other factors on EMI adoption and consumer behavior. Research should explore the role of fintech in EMI adoption in different contexts. Studies should examine the effectiveness of financial literacy programs in promoting responsible EMI usage.

    Psychological Factors and Financial Aspects Impacting EMI Adoption on Consumer Consumption · 2026 · DOI

  • The lack of understanding of the factors affecting student engagement in cooperatives. The need to identify effective strategies to promote cooperation among university students.

    Financial Behavior to Enhance Student Engagement in Cooperative Enterprise · 2026 · DOI

  • The study has a limited sample size of 404 undergraduate students. The study only considers the effects of financial literacy, benefits perception, trust, and social norms on student engagement.

    Financial Behavior to Enhance Student Engagement in Cooperative Enterprise · 2026 · DOI

  • The study highlights the need for behavior-based financial education.

    Interaksi Antara TikTok Live Streaming, Gaya Hidup dan Inklusif Keuangan dalam Membentuk Perilaku Keuangan Mahasiswa Akuntansi UNWIRA Kupang · 2026 · DOI

  • Limited technical knowledge. Insufficient training time. Slow internet connectivity. Inadequate equipment. Difficulty in migrating old records.

    Perceived Effectiveness, Challenges, and Recommendations on the Digitalization of Financial Management through Electronic New Government Accounting System · 2026 · DOI

  • Fraud remains a pervasive challenge undermining financial integrity and stability in the banking sector. Corruption is a systemic issue in Indonesia. The banking sector faces challenges in detecting and preventing fraud.

    Bridging governance and technology for fraud detection: Evidence from regional development banks in Indonesia · 2026 · DOI

  • Future research can explore the application of the study's findings in other contexts, such as in other countries or industries. Future research can investigate the impact of other factors on fraud detection effectiveness, such as organizational culture or leadership style.

    Bridging governance and technology for fraud detection: Evidence from regional development banks in Indonesia · 2026 · DOI

  • The lack of understanding of the relationship between hedonistic lifestyle and financial behavior among students. The need to investigate the impact of hedonistic lifestyle on financial behavior.

    Pengaruh Gaya Hidup Hedonisme Terhadap Perilaku Keuangan Mahasiswa Di Universitas Muhammadiyah Makassar · 2026 · DOI

  • The complexity of village fund management has opened up opportunities for irregularities. The lack of research on the factors influencing village fund fraud is a challenge. The need to improve village financial governance and reduce the risk of fraud is a challenge.

    Determining Factors of Village Fund Fraud: Integration of Pentagon Fraud and Morality inStudy of Village Government in the Special Region of Yogyakarta Province · 2026 · DOI

  • Future research should focus on developing strategies for preventing fraud in village fund management. Future research should explore the impact of other factors on village fund fraud. Future research should aim to improve village financial governance and reduce the risk of fraud.

    Determining Factors of Village Fund Fraud: Integration of Pentagon Fraud and Morality inStudy of Village Government in the Special Region of Yogyakarta Province · 2026 · DOI

  • There are still gaps in practice, such as limited human resources and technical constraints in digital systems. The study aims to address these gaps by examining the performance of financial administration at PT Dowa Hanandy Utama Yogyakarta.

    KINERJA ADMINISTRASI KEUANGAN DALAM MENDUKUNG OPERASIONAL · 2026 · DOI

  • Future research is recommended to expand the scope to companies with varying levels of digitalization and to adopt a mixed-methods or quantitative approach to ensure that the effectiveness of the accounting information system and internal controls can be measured more comprehensively and systematically.

    Evaluate the Effectiveness of the Inventory Accounting Information System in Supporting Internal Control · 2026 · DOI

  • Future research should investigate the impact of other factors on financial management behavior. Future research should also explore the effectiveness of financial education programs in improving student academic achievement.

    PENGARUH LITERASI KEUANGAN, FAKTOR DEMOGRAFI DAN GAYA HIDUP TERHADAP PERILAKU MANAJEMEN KEUANGAN DAN IMPLIKASINYA TERHADAP PRESTASI BELAJAR MAHASISWA DI KALIMANTAN BARAT · 2026 · DOI

  • There is a lack of research on the influence of financial literacy, demographic factors, and lifestyle on financial management behavior and its implications for student achievement in West Kalimantan.

    PENGARUH LITERASI KEUANGAN, FAKTOR DEMOGRAFI DAN GAYA HIDUP TERHADAP PERILAKU MANAJEMEN KEUANGAN DAN IMPLIKASINYA TERHADAP PRESTASI BELAJAR MAHASISWA DI KALIMANTAN BARAT · 2026 · DOI

  • The study only examines the purchasing decisions of students. The sample size is limited to 377 respondents. The study does not explore other factors that may influence purchasing decisions.

    LITERASI KEUANGAN MEMODERASI VIRAL MARKETING, CITRA MEREK, PERSEPSI HARGA TERHADAP KEPUTUSAN PEMBELIAN FASHION DI TIKTOK SHOP · 2026 · DOI

  • Further studies can explore the impact of other factors on purchasing decisions. Research can be conducted to develop effective financial literacy programs for consumers. The study can be replicated in other contexts to generalize the findings.

    LITERASI KEUANGAN MEMODERASI VIRAL MARKETING, CITRA MEREK, PERSEPSI HARGA TERHADAP KEPUTUSAN PEMBELIAN FASHION DI TIKTOK SHOP · 2026 · DOI

  • The study identifies a gap in the literature on the perceived effectiveness of financial management digitalization through eNGAS. The study aims to fill this gap by assessing the perceived effectiveness of eNGAS in the Department of Agrarian Reform Masbate.

    Perceived Effectiveness, Challenges, and Recommendations on the Digitalization of Financial Management through Electronic New Government Accounting System · 2026 · DOI

  • The study identifies a gap in the literature regarding the implications of implementing PSAK 68 on financial statement transparency.

    TRANSPARANSI LAPORAN KEUANGAN: IMPLIKASI PENERAPAN PSAK 68 (Fair Value Accounting) KAJIAN LITERATUR PERSPEKTIF INVESTOR · 2026 · DOI

Most-cited papers in Financial Literacy and Behavior

Most recent work

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Open questions raised by papers listed on this page include: (1) There is a lack of understanding about how Generation Z manages their finances in the digital financial era (“Exploring Personal Financial Management Behaviour Among Generation Z in the…”, 2026); (2) There is a lack of study that combines hedonic lifestyle, self-control, and e-wallet usage all at once (“Hedonistic Lifestyle, Self-Control, and E-Wallet Use in Relation to Student…”, 2026); (3) Future studies should investigate the impact of other factors on EMI adoption and consumer behavior (“Psychological Factors and Financial Aspects Impacting EMI Adoption on Consumer…”, 2026); (4) The lack of understanding of the factors affecting student engagement in cooperatives (“Financial Behavior to Enhance Student Engagement in Cooperative Enterprise”, 2026); (5) Future research can explore the application of the study's findings in other contexts, such as in other countries or industries (“Bridging governance and technology for fraud detection: Evidence from regional…”, 2026). 288 gap statements have been mined from Financial Literacy and Behavior papers in our 7.9M-paper local library, which holds 828 papers on the topic; the gaps come from whichever of those papers state one. They are mostly the research gaps the authors state and the papers' abstracts, plus future-work, limitations and challenges passages. The ones listed below are a selection still marked open; each names the study that raised it, with a DOI link where the paper has one, so you can read the original claim in context.

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