Digital financial literacy and financial well-being
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According to Choung, digital financial literacy affects perceived usefulness by enhancing individuals' ability to assess platform features, compare loan conditions, and identify value propositions that correspond to their business needs.
“According to Choung [26], DFL affects perceived usefulness by enhancing individuals' ability to assess platform features, compare loan conditions, and identify value propositions that correspond to their business needs.”
From Enhancing Digital Financial Literacy and Digital Trust for Sustainable Online Loan Adoption among Micro-Entrepreneurs in Developing Economies (2026) · cites this paper as [26]
The Introduction (p. 3) describes DFL as enabling informed decisions about digital financial services, and Section 2.3 (p. 6) includes awareness of those services and practical ability to use them. The paper does not say that DFL affects perceived usefulness through assessing platform features, comparing loan conditions, or identifying propositions suited to business needs. (LLM, conf=0.78)
Experimental — accuracy not yet measuredChoung et al. (2023) found perceived usefulness often dominates in advanced economies.
“where perceived usefulness often dominates (e.g., Choung et al., 2023 [26])”
From Enhancing Digital Financial Literacy and Digital Trust for Sustainable Online Loan Adoption among Micro-Entrepreneurs in Developing Economies (2026) · cites this paper as [26]
The Results (pp. 7–8) examine digital financial literacy and financial well-being, and the Discussion (p. 9) compares digital literacy with financial knowledge. Searches for “perceived usefulness” and for usefulness as a dominant predictor in advanced economies found no passage addressing that claim. (LLM, conf=0.76)
Experimental — accuracy not yet measuredChoung et al. (2023) found perceived usefulness often dominates in advanced economies.
“where perceived usefulness often dominates (e.g., Choung et al., 2023 [26])”
From Enhancing Digital Financial Literacy and Digital Trust for Sustainable Online Loan Adoption among Micro-Entrepreneurs in Developing Economies (2026) · cites this paper as Choung et al., 2023
The Introduction (p. 3) discusses digital financial literacy and financial well-being, while the Discussion (p. 9) compares the effects of digital literacy and financial knowledge. Neither addresses whether perceived usefulness dominates in advanced economies. Searches for “perceived usefulness” and for technology adoption in advanced economies found no passage supporting the attributed point. (LLM, conf=0.75)
Experimental — accuracy not yet measured
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Y ve Z Kuşağının Dijital Finansal Okuyarlık Düzeylerinin İncelenmesi
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- Authors
- Choung, Y., Chatterjee, S., & Pak, T.-Y.
- Affiliations
- Inha University (KR)
- University of Georgia (US)
- Sungkyunkwan University (KR)
- Corresponding author
- Pak, Tae-Young
- Venue
- Finance research letters
- Publisher
- Elsevier BV
- Published
- 2023-12
- Volume
- 58
- Pages
- 104438
- ISSN
- 1544-6123 (ISSN-L)
- OpenAlex
- W4386483653
- Cited by
- 310
- References
- 47
- Citations by year
- 2026: 175 · 2025: 84 · 2024: 47 · 2023: 4
- FWCI
- 116.99
- Type
- journal article
- Language
- en
- Open access
- Licence
- Locations
- Finance research letters (publishedVersion)
- RePEc: Research Papers in Economics (submittedVersion)
- Econstor (Econstor) (submittedVersion, cc-by-nc-nd)
- Topics
- Social Sciences › Business, Management and Accounting › Accounting › Financial Literacy, Pension, Retirement Analysis
- Social Sciences › Business, Management and Accounting › Accounting › Financial Literacy and Behavior
- Social Sciences › Business, Management and Accounting › Management Information Systems › FinTech, Crowdfunding, Digital Finance
- Keywords
- digital financial literacy, financial well-being, financial knowledge, financial education, sociodemographic differences, Korean adults
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