{"title":"数字金融素养的文献计量分析","authors":"Mansi Yadav, P. Banerji","doi":"10.1108/ajb-11-2022-0186","DOIUrl":null,"url":null,"abstract":"PurposeThere has been a great deal of exploratory, conceptual and empirical research on digital financial literacy (DFL) in the fields of finance, economics, business and management. But up until now, there has not been any attempt to provide a thorough scientific mapping of the area. Therefore, by combining various knowledge systems, this study seeks to identify the current research trend.Design/methodology/approachA sample of 158 papers was subjected to bibliometric analysis in the areas of DFL or digital finance. Assembling, organising and evaluating are the three phases that make up the bibliometric analysis process derived from the most dependable and genuine sources, the Scopus database, and the Web of Science (WoS) database. This study was done using a scientific search technique on the Scopus and WoS databases for the years 2015 through 2022. The study made use of Biblioshiny, a web-based tool created in R-studio and part of the Bibliometrix package. Prominent journals, authors, nations, articles and themes were identified with the use of the software's automated workflow. “Citation, co-citation, and social network analysis” were also carried out.FindingsThe study' outcomes indicate that, as an interdisciplinary discipline, the themes of digital finance have changed throughout time. Researchers first concentrated on socioeconomic and demographic variables, but over time the subject expanded to include themes like influencing, promoting, and behavioural factors that affect digital financial literacy (DFL). This research shows the conceptual framework of the area in addition to its intellectual and social structure. This study offers crucial insights into subjects that demand more research.Research limitations/implicationsSince the current study is a bibliometric analysis, the usual restrictions on such studies apply. A meta-analysis, a thorough literature review and other methods would be beneficial for future researchers to develop a solid conceptual framework. This current research work's science mapping is restricted to the Scopus and WoS databases because this research includes more high-quality articles and has organised formats that work with the Bibliometrix application.Practical implicationsPresent research provides critical insights into saving behaviour, retirement planning, digital finance and the interdependence of these. This research highlights the most prevalent problems in the field and points in the direction of potential areas for further study. Exposing the social and intellectual structure of the domain educates upcoming scholars about the themes, contexts and opportunities for collaboration in this field.Social implicationsThe study will be useful for future learning as the study gives broad exposure to the current literature in the field of digital finance. On the other hand, people will also grow aware of the effects of digital finance and make the proper choices as a result. Additionally, the report might offer crucial insights for developing policies on digital finance and literacy.Originality/valueIn the past, a significant number of conceptual and empirical studies were conducted internationally in the research fields of economics, finance, business, management and consumer behaviour. 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Prominent journals, authors, nations, articles and themes were identified with the use of the software's automated workflow. “Citation, co-citation, and social network analysis” were also carried out.FindingsThe study' outcomes indicate that, as an interdisciplinary discipline, the themes of digital finance have changed throughout time. Researchers first concentrated on socioeconomic and demographic variables, but over time the subject expanded to include themes like influencing, promoting, and behavioural factors that affect digital financial literacy (DFL). This research shows the conceptual framework of the area in addition to its intellectual and social structure. This study offers crucial insights into subjects that demand more research.Research limitations/implicationsSince the current study is a bibliometric analysis, the usual restrictions on such studies apply. 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引用次数: 2
摘要
目的在金融、经济、商业和管理等领域对数字金融素养(DFL)进行了大量的探索性、概念性和实证研究。但到目前为止,还没有人试图对该地区进行全面的科学测绘。因此,本研究试图通过结合各种知识体系来确定当前的研究趋势。设计/方法/方法对158篇论文的样本进行了DFL或数字金融领域的文献计量分析。汇编、组织和评估是构成文献计量分析过程的三个阶段,这些分析过程来自最可靠和最真实的来源,Scopus数据库和Web of Science (WoS)数据库。本研究使用科学检索技术对Scopus和WoS数据库进行了2015 - 2022年的研究。这项研究使用了Biblioshiny,这是一个在R-studio中创建的基于网络的工具,也是Bibliometrix软件包的一部分。杰出的期刊、作者、国家、文章和主题被识别为使用该软件的自动化工作流程。还进行了“引文、共被引和社会网络分析”。研究结果表明,作为一门跨学科学科,数字金融的主题随着时间的推移而变化。研究人员首先关注社会经济和人口变量,但随着时间的推移,该主题扩展到影响、促进和影响数字金融素养(DFL)的行为因素等主题。这项研究显示了该地区的概念框架,以及它的智力和社会结构。这项研究为需要更多研究的课题提供了重要的见解。研究限制/意义由于当前的研究是文献计量学分析,因此适用于此类研究的通常限制。通过荟萃分析、文献综述等方法,将有助于未来研究者建立一个坚实的概念框架。当前的研究工作的科学映射仅限于Scopus和WoS数据库,因为这项研究包括更多高质量的文章,并且具有与Bibliometrix应用程序一起工作的有组织的格式。目前的研究对储蓄行为、退休计划、数字金融及其相互依存关系提供了重要的见解。本研究突出了该领域中最普遍的问题,并指出了潜在的进一步研究方向。揭示该领域的社会和知识结构,教育即将到来的学者关于该领域的主题、背景和合作机会。社会意义本研究将有助于未来的学习,因为该研究提供了广泛的接触当前文献在数字金融领域。另一方面,人们也会逐渐意识到数字金融的影响,从而做出正确的选择。此外,该报告可能为制定数字金融和扫盲政策提供重要见解。过去,国际上在经济、金融、商业、管理和消费者行为等研究领域进行了大量的概念和实证研究。这项研究汇集了该领域的不同文献,突出了可靠的来源、作者和文件,并研究了数字金融、储蓄行为和退休计划之间的关系,这是一个重要的补充。
A bibliometric analysis of digital financial literacy
PurposeThere has been a great deal of exploratory, conceptual and empirical research on digital financial literacy (DFL) in the fields of finance, economics, business and management. But up until now, there has not been any attempt to provide a thorough scientific mapping of the area. Therefore, by combining various knowledge systems, this study seeks to identify the current research trend.Design/methodology/approachA sample of 158 papers was subjected to bibliometric analysis in the areas of DFL or digital finance. Assembling, organising and evaluating are the three phases that make up the bibliometric analysis process derived from the most dependable and genuine sources, the Scopus database, and the Web of Science (WoS) database. This study was done using a scientific search technique on the Scopus and WoS databases for the years 2015 through 2022. The study made use of Biblioshiny, a web-based tool created in R-studio and part of the Bibliometrix package. Prominent journals, authors, nations, articles and themes were identified with the use of the software's automated workflow. “Citation, co-citation, and social network analysis” were also carried out.FindingsThe study' outcomes indicate that, as an interdisciplinary discipline, the themes of digital finance have changed throughout time. Researchers first concentrated on socioeconomic and demographic variables, but over time the subject expanded to include themes like influencing, promoting, and behavioural factors that affect digital financial literacy (DFL). This research shows the conceptual framework of the area in addition to its intellectual and social structure. This study offers crucial insights into subjects that demand more research.Research limitations/implicationsSince the current study is a bibliometric analysis, the usual restrictions on such studies apply. A meta-analysis, a thorough literature review and other methods would be beneficial for future researchers to develop a solid conceptual framework. This current research work's science mapping is restricted to the Scopus and WoS databases because this research includes more high-quality articles and has organised formats that work with the Bibliometrix application.Practical implicationsPresent research provides critical insights into saving behaviour, retirement planning, digital finance and the interdependence of these. This research highlights the most prevalent problems in the field and points in the direction of potential areas for further study. Exposing the social and intellectual structure of the domain educates upcoming scholars about the themes, contexts and opportunities for collaboration in this field.Social implicationsThe study will be useful for future learning as the study gives broad exposure to the current literature in the field of digital finance. On the other hand, people will also grow aware of the effects of digital finance and make the proper choices as a result. Additionally, the report might offer crucial insights for developing policies on digital finance and literacy.Originality/valueIn the past, a significant number of conceptual and empirical studies were conducted internationally in the research fields of economics, finance, business, management and consumer behaviour. This research makes a significant addition by bringing together disparate literature in the field, highlighting reliable sources, authors and documents, and examining the relationship between digital finance, saving behaviour and retirement planning.