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Financial Literacy and Behavior

Financial Literacy and Behavior is a research topic within Accounting. Science Explorer counts 20k research works in it since 1958. 9.6% of them reached the world's top 10% most cited for their field and year.

This cluster of papers focuses on the impact of financial literacy, accounting information systems, and fraud prevention on the performance and sustainability of small and medium enterprises. It also explores the influence of financial management behavior and investment decision making on economic productivity, as well as the role of technology acceptance model and corporate governance in business operations.

  • Financial Literacy
  • Small and Medium Enterprises
  • Accounting Information Systems
  • Fraud Prevention
  • Economic Productivity
  • Financial Management Behavior
  • Investment Decision Making
  • Corporate Governance
  • Technology Acceptance Model
  • Sustainability
Research works
20k
fractional, since 1958
In the world top 10%
1.9k
per year above
Top-10% rate
9.6%
share of its works in the world top 10%
Growth, 2018-21 → 2022-25
+181%
the tick is no change
Largest producer
Indonesia
91% of the 10 largest, 2022-now
Financial Literacy and Behavior

Which countries lead Financial Literacy and Behavior research?

By volume, Indonesia and ?? publish the most (13k and 359 works in 2022-now).

By volume, 2022-now

  1. 1 Indonesia 13k works
  2. 2 ?? 359 works
  3. 3 Malaysia 183 works
  4. 4 India 176 works
  5. 5 Nigeria 142 works
  6. 6 United States 125 works
  7. 7 Philippines 98 works
  8. 8 China 54 works
  9. 9 Iraq 52 works
  10. 10 Pakistan 45 works

How concentrated that is

The same countries as shares of everything the list above accounts for. A node where two countries do two thirds of the work and one spread evenly across twelve read alike as a ranking and not at all alike here.

Indonesia: 91.2%??: 2.6%Malaysia: 1.3%India: 1.3%6 others listed: 3.7%91%largest
Indonesia13k · 91.2%??359 · 2.6%Malaysia183 · 1.3%India176 · 1.3%6 others listed517 · 3.7%

Shares of the rows listed above, not of the whole node.

Which institutions lead Financial Literacy and Behavior research?

By volume in 2022-now, Universitas Patria Artha publishes the most Financial Literacy and Behavior research, followed by University of Pembangunan Nasional Veteran Jawa Timur and Universitas Pamulang.

By volume, 2022-now

  1. 1 Universitas Patria ArthaIndonesia 480 works
  2. 2 University of Pembangunan Nasional Veteran Jawa TimurIndonesia 246 works
  3. 3 Universitas PamulangIndonesia 188 works
  4. 4 Udayana UniversityIndonesia 154 works
  5. 5 Universitas Muhammadiyah SidoarjoIndonesia 151 works
  6. 6 Tarumanagara UniversityIndonesia 149 works
  7. 7 Universitas Informatika dan Bisnis IndonesiaIndonesia 148 works
  8. 8 Universitas TrisaktiIndonesia 142 works
  9. 9 Jambi UniversityIndonesia 139 works
  10. 10 Institut Agama Islam Negeri BengkuluIndonesia 139 works

Who are the leading researchers in Financial Literacy and Behavior?

The most-cited researchers publishing on Financial Literacy and Behavior include Adrian F Furnham and Annamaria Lusardi.

  1. 1 Adrian F Furnham United Kingdom 94k citations
  2. 2 Annamaria Lusardi United States 45k citations

Ranked by citations received across their whole record, among researchers with at least three works on this topic.

What are the most cited papers in Financial Literacy and Behavior?

The most cited paper in Financial Literacy and Behavior is "Thinking, Fast and Slow" (Daniel J. Kahneman, 2011), with 10,437 citations. Next come "An Analysis of Personal Financial Literacy Among College Students" (1,805) and "Financial Literacy: An Overview of Practice, Research, and Policy" (608).

Most cited papers
#PaperReleasedCitations
1 Thinking, Fast and Slow Daniel J. Kahneman 2011 10,437
2 An Analysis of Personal Financial Literacy Among College Students Haiyang Chen, Ronald P. Volpe · Financial Services Review Open access 30 Jun 1998 1,805
3 Financial Literacy: An Overview of Practice, Research, and Policy Sandra F. Braunstein, Carolyn Welch · Federal Reserve Bulletin Open access 2002 608
4 Measuring Students’ Use of Zoom Application in Language Course Based on the Technology Acceptance Model (TAM) Hind Abdulaziz Alfadda, Hassan Saleh Mahdi · Journal of Psycholinguistic Research Open access 4 Jan 2021 437
5 PENTINGNYA LITERASI KEUANGAN BAGI PENGELOLAAN KEUANGAN PRIBADI Amanita Novi Yushita · Nominal Barometer Riset Akuntansi dan Manajemen Open access 5 Jun 2017 400
All 101 most cited papers, with filters and sorting

Where is Financial Literacy and Behavior research done?

The largest centres of Financial Literacy and Behavior research in 2022-now are Jakarta (Indonesia), Surabaya (Indonesia), Makassar (Indonesia) and Bandung (Indonesia). Among places with at least 20 works in it, it is an unusually large share of all research in Banten, Sumedang Utara and Tegal.

Largest cities, 2022-now

  1. 1 JakartaIndonesia 1.7k works
  2. 2 SurabayaIndonesia 888 works
  3. 3 MakassarIndonesia 876 works
  4. 4 BandungIndonesia 817 works
  5. 5 MedanIndonesia 683 works
  6. 6 SemarangIndonesia 515 works
  7. 7 MalangIndonesia 484 works
  8. 8 YogyakartaIndonesia 473 works
  9. 9 DenpasarIndonesia 448 works
  10. 10 BengkuluIndonesia 297 works

Where it is the local speciality

  1. BantenID · 31.3 works43×
  2. Sumedang UtaraID · 33.7 works36×
  3. TegalID · 29.8 works34×
  4. Bekasi28.9 works33×
  5. Semarang27.4 works30×
  6. BatamID · 164.1 works28×
← less than its size predicts1×more →

Location quotient: how much more of its research is in Financial Literacy and Behavior than the world average.

See Financial Literacy and Behavior on the map

Where is the best place to study Financial Literacy and Behavior?

Among universities, judged by research, Universitas Stikubank, Universitas Negeri Surabaya and Universitas Patria Artha score highest, combining excellence, specialisation, size, growth and international reach. Research strength is one signal when choosing where to study; it does not measure teaching.

0%10%20%mean 15%fractional works in this field (log) →share of work in the world top 10% →Universitas StikubankMuhammadiyah Univers…Universitas Negeri S…Universitas Patria A…
above the meannear itbelow it

One dot per university in the first ten of the table below, at the default weights. The upper left is the interesting corner: small places doing unusually strong work.

Excellenceshare of its work in the world top 10%, 2022-now and all time averaged
40%
Specialisationhow much of its work is in this field, counted up to 10× the world share
10%
Sizeits output in this field, on a log scale
30%
Growthoutput growth, counted from -20% to +20%
10%
Internationalshare of its work with a co-author abroad
10%
Each slider sets a weight; the share it gets of the score is beside it.
#UniversityScoreTop 10%SpecialisationWorksGrowth
1Universitas StikubankIndonesia 67.020.2%33.4×36 +660.0%
2Universitas Negeri SurabayaIndonesia 66.812.9%13.6×125 +83.8%
3Universitas Patria ArthaIndonesia 63.87.6%50.0×480 +152.0%
4Muhammadiyah University PurwokertoIndonesia 63.816.8%18.4×45 +399.3%
5Universitas Bhayangkara Jakarta RayaIndonesia 63.615.0%30.6×83 +1331.2%
6University of BrawijayaIndonesia 62.512.7%12.2×132 +186.4%
7Universitas Islam Negeri Maulana Malik IbrahimIndonesia 62.515.9%14.1×61 +345.3%
8Binus UniversityIndonesia 61.411.9%16.7×112 +194.8%
9Universitas Nusa Nipa MaumereIndonesia 60.621.0%29.9×17 -
10Maranatha Christian UniversityIndonesia 60.516.0%36.2×45 +308.7%

Universities only. The score blends excellence (40%), size (30%), specialisation (10%), growth (10%), international reach (10%), 2022-now; growth compares 2018-21 with 2022-25 and counts up to +20%, since a jump from a small base is mostly noise.

Every institution in Financial Literacy and Behavior, country by country

Is Financial Literacy and Behavior research growing?

Output in 2022-2025 was 181% higher than in 2018-2021, peaking in 2025. The fastest-growing topics are Financial Literacy and Behavior.

still counting19801990200020102020
grewheldshrank

The same series as a ribbon: one cell per year, darker for more. The line above answers how much; this answers when.

Its share of all research

Growing output can still be a shrinking share: all of science grows. This is Financial Literacy and Behavior as a percentage of every work published that year, 0.044% in 2024.

still counting0.050%0.10%Financial Literacy and Behavior0.077% in 202519801990200020102020

Fractional works of Financial Literacy and Behavior over all fractional works that year. How the balance of science has shifted.

How much of it reaches the world top 10%

Year by year.

still counting5%10%15%Financial Literacy and Behavior9.5% in 20252020

Of each year's works in it, the share that reached the world's 10% most cited for their field and year. A field is the world for its own topics, so there is no other line to hold it against.

Which topics inside it are moving

Growth and decline on one axis around a shared zero. Two lists side by side hide the thing that matters: whether the growth dwarfs the decline, or the other way round.

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