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Cited by 42FinTech, Crowdfunding, Digital FinanceFinancial Literacy, Pension, Retirement AnalysisFinancial Literacy and Behavior

The DOI matches its Crossref record; 17 of the 17 references it cites were found in a registry or an index.

How do Digitalization and the Fintech Phenomenon Affect Financial Decision-Making in the Younger Generation?

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Pintér, Éva, Bagó, Péter, Berényi, László, Molnár, Levente, Deutsch, Nikolett, Szigeti, Gergő, Pintér, Tibor·2021·Acta Polytechnica Hungarica
DOI 10.12700/aph.18.11.2021.11.11
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Abstract

Generation Z, who can handle almost everything online, from the picture taken by their mobile phone to purchasing or transferring money.Therefore, using several tech solutions, they are not looking for traditional banking solutions, like the ones where physical presence is needed.Their wish is to obtain secure, fast, easy financial solutions, and services.Additionally, to ensure payments can be easily made and investments are available on hand.All of this being virtually available any time when it is needed, even from their mobile phones and also providing a high-level of personalization possibilities.In our study, we surveyed risk attitudes governing individual investment decisions based on primary research conducted on a large sample size among university students.When surveying risk attitudes, we presented a group of university students studying in Hungary with questions of a test published in an international journal article by John Grable and Ruth H. Lytton (Grable -Lytton, 1999).Between early December 2020 and 15 January 2021, more than 2,000 students filled out our questionnaire.The results of the questionnaire show that risk attitude values among the group of Hungarian university students are in line with international experiences.Primary data collection will continue in the spring of 2021, and it will subsequently allow a comparison to be made between the attitudes to risk and investment of university students from different fields of study.The composition of the questionnaire's respondents will make it possible to survey and compare the 'Z' generation's attitude with that of other generations.É. Pintér et al. -192 - How do Digitalization and the Fintech Phenomenon Affect Financial Decision-Making in the YoungerGeneration?

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Research works printed but not linked: 6

  1. [11]11. SWIFT:ISO 20022. Chichester, West Sussex: John Wiley & Sons, Ltd., 2020
  2. [15]15. Gilliam, J., S.; Chatterjee, J. E.; Grable J.: Measuring the perception of financial risk tolerance: A tale of two measures. Journal of Financial Counseling and Planning, 2017, Vol. 21 (2), pp. 30-43
  3. [16]16. Grable, J.; Lytton, R. H.: Financial risk tolerance revisited: The development of a risk assessment instrument. Financial Sendees Review, 1999, Nr. 8, pp. 163-181
  4. [17]17. Grable, J.; Hoo, S.: An Exploratory Framework of the Determinants of Financial Satisfaction. Journal of Family and Economic Issues, 2004, Vol. 25(1), pp. 25-50
  5. [19]19. Kannadhasan, M.: Retail investor' financial risk tolerance and their risk- taking behaviour: the role of demographics as differentiating and classifying Factors. IIMB Management Review, 2015, 27: pp. 175-184
  6. [32]32. Nonis, Sarath A.: Thinking Patterns: An Exploratory Investigation of Student Perceptions of Costs and Benefits of College Loan Debt. Journal of Financial Education, Vol. 41, No. 2, Financial Education Association, 2015, pp. 24-48, http://www.jstor.org/stable/24573677

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Metadata

Authors
Pintér, É., Bagó, P., Berényi, L., Molnár, L., Deutsch, N., Szigeti, G., & Pintér, T.
Affiliations
  • Corvinus University of Budapest (HU)
  • University of Miskolc (HU)
  • University of Pecs (HU)
  • Budapest University of Economics and Business (HU)
ORCID
Venue
Acta Polytechnica Hungarica
Publisher
Óbuda University
Published
2021
Volume
18
Issue
11
Pages
191-208
ISSN
  • 1785-8860 (ISSN-L)
  • 2064-2687
DOI
10.12700/aph.18.11.2021.11.11
OpenAlex
W4206440497
Semantic Scholar
7bff59d017f6dc3c81b65ab7b12e6a4a4d057940
Cited by
42
References
17
Citations by year
2026: 12 · 2025: 10 · 2024: 9 · 2023: 7 · 2022: 4
FWCI
4.94
Type
journal article
Language
en
Open access
Locations
  • Acta Polytechnica Hungarica (publishedVersion)
  • Corvinus Research Archive (Corvinus University of Budapest) (acceptedVersion)
Topics
  • Social Sciences › Business, Management and Accounting › Management Information Systems › FinTech, Crowdfunding, Digital Finance
  • Social Sciences › Economics, Econometrics and Finance › Finance › Financial Literacy, Pension, Retirement Analysis
  • Social Sciences › Business, Management and Accounting › Accounting › Financial Literacy and Behavior
Keywords
Generation Z, fintech, digitalization, financial decision-making, risk preferences, investment decision-making, university students, mobile payment, personal finance, Hungarian students

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