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<p>The study systematically reviews literature from databases like Google Scholar, EBSCO, Dimension AI, Scopus, and ProQuest to examine the evolving relationship between digital financial literacy (DFL), financial management behavior (FMB), and financial well-being (FWB) amid digital disruption. A systematic literature review and cluster analysis was conducted using PRISMA guidelines assessed via AMSTAR-2 for methodological rigor. Coding was conducted in MAXQDA; cluster analysis using VOSviewer; and a random-effects meta-analysis using DerSimonian–Laird. From 569 studies (from 2000 to 2024 and in English language), 188 were critically reviewed. Two primary clusters emerged: the role of financial knowledge, behavior, and attitudes in well-being, and interventions to enhance financial behavior and well-being. Meta-analytic results showed slightly stronger DFL–FWB associations for males than females. Key themes include behavioral economics, demographic-focused interventions, and the integration of cognitive factors. The bifurcation revealed two paradigms: an endogenous psychological lens (TPB/Social Cognitive Theory) and an exogenous interventionist/socio-technical approach (Human Capital/UTAUT/TAM) exposing a scarcity of hybrid models as a critical gap. MAXQDA mapping showed 89% of DFL–FMB–FWB linkages to SDGs via financial inclusion or behavior-change mechanisms, underscoring DFL's role in cyber risk, promoting inclusion, and aligning with SDGs 1, 3, 4, 8, 9, 10, and 16, thereby expanding knowledge on DFL’s societal impact. This study offers valuable insights into the current state of existing literature, serving as a helpful resource for future researchers conducting qualitative literature reviews.</p>

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Exploring the nexus of digital financial literacy, financial behavior and well-being in the age of digital disruption: a systematic review

  • 期刊论文

  • 发表日期：

    2026年5月6日

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  • Neetu Chhillar,
  • Swaranjeet Arora,
  • Preeti Chawla

摘要

The study systematically reviews literature from databases like Google Scholar, EBSCO, Dimension AI, Scopus, and ProQuest to examine the evolving relationship between digital financial literacy (DFL), financial management behavior (FMB), and financial well-being (FWB) amid digital disruption. A systematic literature review and cluster analysis was conducted using PRISMA guidelines assessed via AMSTAR-2 for methodological rigor. Coding was conducted in MAXQDA; cluster analysis using VOSviewer; and a random-effects meta-analysis using DerSimonian–Laird. From 569 studies (from 2000 to 2024 and in English language), 188 were critically reviewed. Two primary clusters emerged: the role of financial knowledge, behavior, and attitudes in well-being, and interventions to enhance financial behavior and well-being. Meta-analytic results showed slightly stronger DFL–FWB associations for males than females. Key themes include behavioral economics, demographic-focused interventions, and the integration of cognitive factors. The bifurcation revealed two paradigms: an endogenous psychological lens (TPB/Social Cognitive Theory) and an exogenous interventionist/socio-technical approach (Human Capital/UTAUT/TAM) exposing a scarcity of hybrid models as a critical gap. MAXQDA mapping showed 89% of DFL–FMB–FWB linkages to SDGs via financial inclusion or behavior-change mechanisms, underscoring DFL's role in cyber risk, promoting inclusion, and aligning with SDGs 1, 3, 4, 8, 9, 10, and 16, thereby expanding knowledge on DFL’s societal impact. This study offers valuable insights into the current state of existing literature, serving as a helpful resource for future researchers conducting qualitative literature reviews.