金融技术与金融能力：欧洲联盟研究

IF 5.5 2区经济学 Q1 BUSINESS, FINANCE

Global Finance Journal Pub Date : 2024-07-04 DOI:10.1016/j.gfj.2024.101008

Mustafa Nourallah, Peter Öhman, Samer Hamati

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引用次数: 0

摘要

提高家庭金融能力对于缓解严峻的经济挑战至关重要。在欧盟（EU），金融科技（FinTech）解决方案被认为是管理家庭财务的关键，但它们在提高财务能力方面的作用却并不明确。在此，我们使用来自 Global Findex（2014 年、2017 年和 2021 年）和欧盟统计局数据库的三波面板数据来衡量欧盟的金融能力，并研究金融科技的影响。分析结果显示，欧盟国家在金融科技和金融能力方面存在很大差异，其中欧盟北部国家得分明显较高。分析结果强调了金融科技对金融能力的巨大影响，并着重指出当人类发展指数提高时，金融能力也会提高。报告还提出了衡量金融能力的实用指南，以帮助那些需要做出更多努力才能有效应对金融能力挑战的国家。

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Financial technology and financial capability: Study of the European Union

Enhancing household financial capability is critical for mitigating severe economic challenges. In the European Union (EU), financial technology (FinTech) solutions are considered critical for managing household finance, but their role in enhancing financial capability is ambiguous. Herein, we measure financial capability in the EU and investigate the effect of FinTech using three waves of panel data from Global Findex (2014, 2017, and 2021) and Eurostat Databases. According to the analyses, EU countries vary greatly in terms of FinTech and financial capability, with countries in the Union's north scoring remarkably high. Results emphasize a considerable effect of FinTech on financial capability and highlight an increase in the latter when the Human Development Index increases. Practical guidelines for measuring financial capability are also presented to assist countries that requier additional efforts to effectively address financial capability challenges.

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来源期刊

Global Finance Journal BUSINESS, FINANCE-

CiteScore

7.30

自引率

13.50%

发文量

106

审稿时长

53 days

期刊介绍： Global Finance Journal provides a forum for the exchange of ideas and techniques among academicians and practitioners and, thereby, advances applied research in global financial management. Global Finance Journal publishes original, creative, scholarly research that integrates theory and practice and addresses a readership in both business and academia. Articles reflecting pragmatic research are sought in areas such as financial management, investment, banking and financial services, accounting, and taxation. Global Finance Journal welcomes contributions from scholars in both the business and academic community and encourages collaborative research from this broad base worldwide.