How Has Digital Transformation Reshaped Personal Financial Management Behavior Research?

Nur Shafira Chairani · Nur Ainun Najwa · Suci Ameliya Kartika · Muhammad Ramadhani Kesuma

10 citations0/0 files storedMoneter

No readable copy stored yet — this record is metadata only.

No open-access location is known for this record yet.

Literature note Cite in a project Citation map

Financial Literacy and Behavior Financial Literacy, Pension, Retirement Analysis FinTech, Crowdfunding, Digital Finance

Abstract

Personal financial management behavior has gained prominence amid economic globalization, digital transformation, and crisis-induced shifts that reshape individual decision-making, budgeting, saving, and risk practices. This study conducts a comprehensive bibliometric analysis to chart the intellectual structure, growth patterns, and future orientations of research in this domain. Drawing on 312 English-language publications from the Scopus database spanning 2000 to 2024, the analysis employs VOSviewer for co-authorship, keyword co-occurrence, and co-citation mapping, complemented by performance metrics on trends and productivity. Findings reveal a marked acceleration in scholarly output, particularly after 2020, driven by heightened attention to digital tools and resilience factors. Thematic clusters highlight progression from foundational literacy and demographic influences to psychological mediators (e.g., self-efficacy, attitudes) and outcomes centered on well-being and socialization. Geographic contributions concentrate in the United States and Indonesia, with strong Asia-Pacific networks, while productive authors form specialized collaborative hubs. The intellectual base integrates behavioral frameworks with empirical applications, underscoring interdisciplinary depth. These insights address fragmentation in prior work by providing a unified knowledge map, revealing gaps in cross-cultural integration and dynamic digital modeling. Implications extend to guiding targeted interventions for financial education and policy, fostering individual resilience in volatile environments. This synthesis supports scholars and practitioners in advancing evidence-based approaches to sustainable personal finance practices.

Paper brief

Loading…

Cite this work

Citation unavailable for this work.

BibTeX RIS CSL-JSON

No public copy is stored for this record, so only the metadata is cited.

Citations in this library

Citation map →

Stored only when both papers are in the corpus — 10 citations exist upstream.

References

2021How to conduct a bibliometric analysis: An overview and guidelines 2022Impact of financial literacy on financial well-being: a mediational role of financial self-efficacy 2020Financial literacy and financial behaviour: a bibliometric analysis 2020A bibliometric analysis of managerial finance: a retrospective 2021Antecedents and consequences of Personal Financial Management Behavior: a systematic literature review and future research agenda 2022Factors Influencing the Behavioural Intention to Use Cryptocurrency in Emerging Economies During the COVID-19 Pandemic: Based on Technology Acceptance Model 3, Perceived Risk, and Financial Literacy 2022COVID-19 and finance scholarship: A systematic and bibliometric analysis 2021Understanding consumer's adoption of financial robo‐advisors at the outbreak of the COVID ‐19 crisis in Malaysia

Explore the map →

Papers that cite the same references — the relational fallback while embeddings are still backfilling.

Imported from OpenAlex (CC0) — nothing here is generated.