Financial literacy: A comparative study across four countries
This study analysed differences in financial literacy across four countries: Canada, Italy, the UK and the US. The purpose was to understand whether factors associated with financial literacy in one country can be generalized to other countries as well or whether unique national characteristics make...
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| Published in | International journal of consumer studies Vol. 37; no. 6; pp. 689 - 705 |
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| Main Authors | , , |
| Format | Journal Article |
| Language | English |
| Published |
Oxford
Blackwell Publishing Ltd
01.11.2013
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| Subjects | |
| Online Access | Get full text |
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| Abstract | This study analysed differences in financial literacy across four countries: Canada, Italy, the UK and the US. The purpose was to understand whether factors associated with financial literacy in one country can be generalized to other countries as well or whether unique national characteristics make it necessary to examine financial literacy in each country individually. A financial literacy index, based on the number of correct answers to four multiple‐choice questions, was used to test the relevance of country of origin to financial literacy. Results suggest significant differences among countries indicating that there are national and cultural differences in what households know and need to know about their personal finances. Policy makers should consider these differences when developing financial literacy assessment tools for their respective countries. |
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| AbstractList | This study analysed differences in financial literacy across four countries:
C
anada,
I
taly, the
UK
and the
US
. The purpose was to understand whether factors associated with financial literacy in one country can be generalized to other countries as well or whether unique national characteristics make it necessary to examine financial literacy in each country individually. A financial literacy index, based on the number of correct answers to four multiple‐choice questions, was used to test the relevance of country of origin to financial literacy. Results suggest significant differences among countries indicating that there are national and cultural differences in what households know and need to know about their personal finances. Policy makers should consider these differences when developing financial literacy assessment tools for their respective countries. This study analysed differences in financial literacy across four countries: Canada, Italy, the UK and the US. The purpose was to understand whether factors associated with financial literacy in one country can be generalized to other countries as well or whether unique national characteristics make it necessary to examine financial literacy in each country individually. A financial literacy index, based on the number of correct answers to four multiple‐choice questions, was used to test the relevance of country of origin to financial literacy. Results suggest significant differences among countries indicating that there are national and cultural differences in what households know and need to know about their personal finances. Policy makers should consider these differences when developing financial literacy assessment tools for their respective countries. This study analysed differences in financial literacy across four countries: Canada, Italy, the UK and the US. The purpose was to understand whether factors associated with financial literacy in one country can be generalized to other countries as well or whether unique national characteristics make it necessary to examine financial literacy in each country individually. A financial literacy index, based on the number of correct answers to four multiple-choice questions, was used to test the relevance of country of origin to financial literacy. Results suggest significant differences among countries indicating that there are national and cultural differences in what households know and need to know about their personal finances. Policy makers should consider these differences when developing financial literacy assessment tools for their respective countries. [PUBLICATION ABSTRACT] This study analysed differences in financial literacy across four countries: Canada, Italy, the UK and the US. The purpose was to understand whether factors associated with financial literacy in one country can be generalized to other countries as well or whether unique national characteristics make it necessary to examine financial literacy in each country individually. A financial literacy index, based on the number of correct answers to four multiple-choice questions, was used to test the relevance of country of origin to financial literacy. Results suggest significant differences among countries indicating that there are national and cultural differences in what households know and need to know about their personal finances. Policy makers should consider these differences when developing financial literacy assessment tools for their respective countries. Reprinted by permission of Blackwell Publishing This study analysed differences in financial literacy across four countries: Canada, Italy, the UK and the US. The purpose was to understand whether factors associated with financial literacy in one country can be generalized to other countries as well or whether unique national characteristics make it necessary to examine financial literacy in each country individually. A financial literacy index, based on the number of correct answers to four multiple-choice questions, was used to test the relevance of country of origin to financial literacy. Results suggest significant differences among countries indicating that there are national and cultural differences in what households know and need to know about their personal finances. Policy makers should consider these differences when developing financial literacy assessment tools for their respective countries. Adapted from the source document. |
| Author | Chatterjee, Swarn Nicolini, Gianni Cude, Brenda J. |
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| References_xml | – reference: Servon, L.J. & Kaestner, R. (2008) Consumer financial literacy and the impact of online banking on the financial behavior of lower-income bank customers. Journal of Consumer Affairs, 42, 271-305. – reference: Müller, S. & Weber, M. (2008) Financial literacy and mutual fund investments: who buys actively managed funds? Schmalenbach Business Review, 62, 126-153. – reference: Volpe, R., Chen, H. & Pavlicko, D. (1996) Personal investment literacy among college students: a survey. Financial Practice and Education, 6, 86-94. – reference: Schagen, S. & Lines, A. (1996) Financial Literacy in Adult Life: A Report to the Nut West Group Charitable Trust. National Foundation for Educational Research, Slough, Berkshire. – reference: Chen, H. & Volpe, R.P. (1998) An analysis of personal financial literacy among college students. Financial Services Review, 7, 107-128. – reference: Chien, Y. & Devaney, S. 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| SubjectTerms | Canada Comparative analysis Comparative studies Consumer behavior Cultural differences Finance financial behaviour Financial literacy Household economics Households Italy Knowledge Literacy multinational study National characteristics Personal finance Policy makers Studies U.S.A United Kingdom |
| Title | Financial literacy: A comparative study across four countries |
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