{"title":"A systematic conceptual review of financial access","authors":"Julie Birkenmaier, Jin Huang","doi":"10.1111/joca.12574","DOIUrl":null,"url":null,"abstract":"<p>Financial access is used in practice and research as an important concept relevant to financial capability and financial well-being. This study examines the literature on individual financial access and develops a conceptualization, definition, domains, and proposed items. Following a systematic conceptual review method, the review is based on 171 articles published during January 2012–August 2022 retrieved from Scopus and Dissertation and Thesis Global. Using grounded theory, data were coded related to financial access definition, concepts, measurement, and associated content. The domains identified were <i>Mainstream Financial Products and Services, Institutional Practices of Available Mainstream Financial Service Providers, Individual Resources and Intrinsic Qualities and Abilities,</i> and <i>Individual Financial Action and Perceptions. Financial Products or Services Utilized by Social Programs to Provide Benefits</i> was added. Study implications include the need to broaden the focus of policies and practices beyond ownership of financial products and services. Directions for future research are discussed.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"367-396"},"PeriodicalIF":2.5000,"publicationDate":"2024-03-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Consumer Affairs","FirstCategoryId":"96","ListUrlMain":"https://onlinelibrary.wiley.com/doi/10.1111/joca.12574","RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"BUSINESS","Score":null,"Total":0}
引用次数: 0
Abstract
Financial access is used in practice and research as an important concept relevant to financial capability and financial well-being. This study examines the literature on individual financial access and develops a conceptualization, definition, domains, and proposed items. Following a systematic conceptual review method, the review is based on 171 articles published during January 2012–August 2022 retrieved from Scopus and Dissertation and Thesis Global. Using grounded theory, data were coded related to financial access definition, concepts, measurement, and associated content. The domains identified were Mainstream Financial Products and Services, Institutional Practices of Available Mainstream Financial Service Providers, Individual Resources and Intrinsic Qualities and Abilities, and Individual Financial Action and Perceptions. Financial Products or Services Utilized by Social Programs to Provide Benefits was added. Study implications include the need to broaden the focus of policies and practices beyond ownership of financial products and services. Directions for future research are discussed.
期刊介绍：
The ISI impact score of Journal of Consumer Affairs now places it among the leading business journals and one of the top handful of marketing- related publications. The immediacy index score, showing how swiftly the published studies are cited or applied in other publications, places JCA seventh of those same 77 journals. More importantly, in these difficult economic times, JCA is the leading journal whose focus for over four decades has been on the interests of consumers in the marketplace. With the journal"s origins in the consumer movement and consumer protection concerns, the focus for papers in terms of both research questions and implications must involve the consumer"s interest and topics must be addressed from the consumers point of view.
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