The DOI matches its Crossref record; 47 of the 47 references it cites were found in a registry or an index.
Digital financial literacy and financial well-being
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“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]
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“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]
Experimental — accuracy not yet measuredThe check wasn’t confident either way, so it gives no verdict — never disputed.
In the citing paper
“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
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Citations
Cites
The Economic Importance of Financial Literacy: Theory and Evidence
Lusardi, A., & Mitchell, O. S. (2014) · Journal of Economic Literature · doi:10.1257/jel.52.1.5 · Cited by 4,698
The long-run poverty and gender impacts of mobile money
Suri, T., & Jack, W. (2016) · Science · doi:10.1126/science.aah5309 · Cited by 1,628
Will Money Increase Subjective Well-Being?
Diener, E., & Biswas-Diener, R. (2002) · Social Indicators Research · doi:10.1023/a:1014411319119 · Cited by 1,555
Risk Sharing and Transactions Costs: Evidence from Kenya's Mobile Money Revolution
Jack, W., & Suri, T. (2014) · American Economic Review · doi:10.1257/aer.104.1.183 · Cited by 1,435
Netemeyer, R. G., Warmath, D., Fernandes, D., & Lynch, J. G. (2018) · Journal of Consumer Research · doi:10.1093/jcr/ucx109 · Cited by 842
The Real Impact of Improved Access to Finance: Evidence from Mexico
Bruhn, M., & Love, I. (2013) · The Journal of Finance · doi:10.1111/jofi.12091 · Cited by 734
Financial inclusion research around the world: A review
Ozili, P. (2020) · Forum for Social Economics · doi:10.1080/07360932.2020.1715238 · Cited by 569
Kass-Hanna, J., Lyons, A. C., & Liu, F. (2021) · Emerging Markets Review · doi:10.1016/j.ememar.2021.100846 · Cited by 498
The rise of digital finance: Financial inclusion or debt trap?
Yue, P., Korkmaz, A. G., Yin, Z., & Zhou, H. (2021) · Finance research letters · doi:10.1016/j.frl.2021.102604 · Cited by 444
Rethinking digital financial inclusion: Evidence from Bangladesh
Aziz, A., & Naima, U. (2021) · Technology in Society · doi:10.1016/j.techsoc.2020.101509 · Cited by 373
Research works printed but not linked: 3
- Lyons, A.C., & Fontes, A. (2021). Impacts of financial and digital literacy and social media on the financial health of U.S. households. Available at SSRN.
- Morgan, P.J., Huang, B., & Long, T.Q. (2019). The need to promote digital financial literacy for the digital age. In Realizing education for all in the digital age. T20 Report (pp. 40–46). https://www.adb.org/sites/default/files/publication/503706/adbi-realizing-education-all-digital-age.pdf#page=56.
- Rahayu, 2022, The level of digital financial literacy and financial well-being of people in West Sumatra Indonesia, Oper. Manag. Inf. Syst. Stud., 2, 66
Cited by
Sorted by citations
Amnas, M. B., Selvam, M., & Parayitam, S. (2024) · Journal of risk and financial management · doi:10.3390/jrfm17030108 · Cited by 200
The impact of digital financial literacy on financial behavior: customers’ perspective
Abdallah, W., Tfaily, F., & Harraf, A. (2024) · Competitiveness Review: an international business journal · doi:10.1108/cr-11-2023-0297 · Cited by 101
Financial literacy and household financial resilience
Liu, T., Fan, M.-M., Li, Y., & Yue, P. (2024) · Finance research letters · doi:10.1016/j.frl.2024.105378 · Cited by 82
Digital financial literacy and financial well-being – evidence from India
Bhat, S. A., Lone, U. M., Arunkumar, S., & Krishna, U. M. G. (2024) · International Journal of Bank Marketing · doi:10.1108/ijbm-05-2024-0320 · Cited by 54
Katnić, I., Katnić, M., Orlandic, M., Radunovic, M., Radojević, G., & Mugosa, I. (2024) · Sustainability · doi:10.3390/su162411065 · Cited by 50
Metadata
- 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 › Economics, Econometrics and Finance › Finance › 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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