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Open research questions in Financial Literacy and Behavior

314 unresolved questions extracted from the limitations and future-work sections of 511 Financial Literacy and Behavior papers in our library. Each links back to the study that raised it.

What the literature leaves open

  • This study faces limitations in obtaining data, both from players and from government agencies. Future research is therefore encouraged to involve additional informants, such as law enforcement officers or PPATK, to obtain a more comprehensive perspective. Future research could also focus on the potential PPh revenue from the side of online gambling operators, given that they control the distribution of players’ winnings and therefore represent a potentially more significant source of tax revenue. Further research could also examine the possibility of applying other types of tax within this sector. REFERENCES Aisya, A. R., Purwati, T. H. N., & Kusrin, S. A. (2025). Kajian Hukum Atas Subjek Dan Objek Pajak Penghasilan Dalam Prespektif Keadilan Dan Kepatuhan Wajib Pajak. Jurnal Hukum, 6(2), 148–160. https://doi.org/doi.org/10.54209/judge.v6i02.1339 Arianty, F. (2022). Analisis Perubahan Tarif Progresif Pajak Penghasilan Orang Pribadi Dalam Undang-Undang Harmonisasi Peraturan Perpajakan Ditinjau Dari Azas Keadilan. Jurnal Administrasi Bisnis Terapan, 5(1). https://doi.org/10.7454/jabt.v5i1.1034 Braun, V., & Clarke, V. (2006). Using thematic analysis in psychology. Qualitative Research in Psychology, 3(2), 77–101. https://doi.org/10.1191/1478088706qp063oa

    Analysis of the application of income tax on income derived from online gambling activities in Indonesia · 2026 · DOI

  • Low digital financial literacy among MSMEs. Data security risks associated with digital finance adoption. Regional adoption gaps in digital finance adoption among MSMEs.

    The Impact of Digital Finance Adoption on MSMEs in Indonesia - State of the Art · 2026 · DOI

  • There is a need to summarize and analyze the development of field papers on the impact of digital finance adoption on MSMEs in Indonesia. The study aims to fill this gap by reviewing the literature and analyzing the selected articles.

    The Impact of Digital Finance Adoption on MSMEs in Indonesia - State of the Art · 2026 · DOI

  • However, digital marketing exposure alone is insufficient to drive property purchase decisions because consumer trust, brand awareness, and engagement influence the decision-making process.

    The Role of Digital Marketing, Brand Awareness, and E-WOM in Jakarta Garden City Purchase Intention: The Mediating Effect of Consumer Engagement and Moderating Role of Consumer Trust · 2026 · DOI

  • The findings are limited to a single property developer context, which may affect generalizability.

    The Role of Digital Marketing, Brand Awareness, and E-WOM in Jakarta Garden City Purchase Intention: The Mediating Effect of Consumer Engagement and Moderating Role of Consumer Trust · 2026 · DOI

  • The study is limited to women-owned SMEs within Calapan City and excludes enterprises outside the area and male-owned businesses. The use of self-reported data may result in response bias, while time and budget constraints may limit the depth of analysis.

    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

  • Limited studies have focused on how financial and digital literacies contribute to SME performance, particularly in the context of local economies such as Calapan City.

    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 study uses a convenience sampling approach due to limitations on time and availability. 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 dwindling number of active cooperatives in Indonesia. 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 identifies a gap between the financial literacy learned by students and their actual practice. 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

  • Occasional system errors. 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

  • 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

  • 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

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314 open questions have been extracted from the limitations and future-work passages of 511 Financial Literacy and Behavior papers in our library. Each one below links back to the study that raised it, so you can read the original claim in context.

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