Antecedents and consequences of Personal Financial Management Behavior: a systematic literature review and future research agenda
PurposeThe purpose of this paper is to investigate the current state of research on Personal Financial Management Behavior (PFMB), with a prime focus on its antecedents and the consequences. By analyzing the research trends, methods, determinants and outcomes, the PFMB literature is synthesized, and...
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| Published in | International journal of bank marketing Vol. 39; no. 7; pp. 1166 - 1207 |
|---|---|
| Main Authors | , , |
| Format | Journal Article |
| Language | English |
| Published |
Bradford
Emerald Publishing Limited
28.10.2021
Emerald Group Publishing Limited |
| Subjects | |
| Online Access | Get full text |
| ISSN | 0265-2323 1758-5937 |
| DOI | 10.1108/IJBM-12-2020-0612 |
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| Abstract | PurposeThe purpose of this paper is to investigate the current state of research on Personal Financial Management Behavior (PFMB), with a prime focus on its antecedents and the consequences. By analyzing the research trends, methods, determinants and outcomes, the PFMB literature is synthesized, and agenda for future research is suggested. A framework is presented that portrays PFMB's antecedents and consequences and further specification of the mediation and moderation linkages.Design/methodology/approachThe review is based on 160 articles published during 1970–2020. It follows a systematic approach and presents the definitions and theories of PFMB, publication trends based on time, region, sample population, research designs, data collection and analysis techniques, along with antecedents and outcomes through content analysis.FindingsThe synthesis draws upon various factors affecting PFMB, such as demographics, socio-economic, psychological, social, cultural, financial experience, financial literacy (FL) and technological factors. The prominent outcomes of PFMB include financial satisfaction, relationship satisfaction, quality of life, financial success, happiness, financial vulnerability/resilience and financial well-being. The future research agenda sums up the recommendations in the form of research questions on variables and their linkages, followed by methodological advancements.Originality/valueThis paper covers the scholarly work done in this area in the past 51 years. To the best of authors' knowledge, this is the first attempt to offer a most comprehensive and collective scholarship of this subject. It further gives an extensive future research agenda. |
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| AbstractList | PurposeThe purpose of this paper is to investigate the current state of research on Personal Financial Management Behavior (PFMB), with a prime focus on its antecedents and the consequences. By analyzing the research trends, methods, determinants and outcomes, the PFMB literature is synthesized, and agenda for future research is suggested. A framework is presented that portrays PFMB's antecedents and consequences and further specification of the mediation and moderation linkages.Design/methodology/approachThe review is based on 160 articles published during 1970–2020. It follows a systematic approach and presents the definitions and theories of PFMB, publication trends based on time, region, sample population, research designs, data collection and analysis techniques, along with antecedents and outcomes through content analysis.FindingsThe synthesis draws upon various factors affecting PFMB, such as demographics, socio-economic, psychological, social, cultural, financial experience, financial literacy (FL) and technological factors. The prominent outcomes of PFMB include financial satisfaction, relationship satisfaction, quality of life, financial success, happiness, financial vulnerability/resilience and financial well-being. The future research agenda sums up the recommendations in the form of research questions on variables and their linkages, followed by methodological advancements.Originality/valueThis paper covers the scholarly work done in this area in the past 51 years. To the best of authors' knowledge, this is the first attempt to offer a most comprehensive and collective scholarship of this subject. It further gives an extensive future research agenda. |
| Author | Goyal, Kirti Xiao, Jing Jian Kumar, Satish |
| Author_xml | – sequence: 1 givenname: Kirti orcidid: 0000-0002-8270-3134 surname: Goyal fullname: Goyal, Kirti email: 2019RBM9185@mnit.ac.in – sequence: 2 givenname: Satish orcidid: 0000-0001-5200-1476 surname: Kumar fullname: Kumar, Satish email: skumar.dms@mnit.ac.in – sequence: 3 givenname: Jing Jian orcidid: 0000-0003-3252-5672 surname: Xiao fullname: Xiao, Jing Jian email: jjxiao@uri.edu |
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| SSID | ssj0004796 |
| Score | 2.5615563 |
| Snippet | PurposeThe purpose of this paper is to investigate the current state of research on Personal Financial Management Behavior (PFMB), with a prime focus on its... |
| SourceID | proquest crossref emerald |
| SourceType | Aggregation Database Enrichment Source Index Database Publisher |
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| SubjectTerms | Bank marketing Behavior Cash flow Economics Estate planning Financial literacy Financial management Households Knowledge Literature reviews Resilience (Psychology) Systematic review Trends |
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| Title | Antecedents and consequences of Personal Financial Management Behavior: a systematic literature review and future research agenda |
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