Log in

Relevant bibliographies by topics / Financial consumers / Journal articles

To see the other types of publications on this topic, follow the link: Financial consumers.

Journal articles on the topic 'Financial consumers'

Author: Grafiati

Published: 4 June 2025

Last updated: 1 August 2025

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 journal articles for your research on the topic 'Financial consumers.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.

1

AlHares, Aws, and Rawdha Elareer. "Financial technology and consumer financial satisfaction." Journal of Governance and Regulation 13, no. 1, special Issue (2024): 489–98. http://dx.doi.org/10.22495/jgrv13i1siart21.

Full text

Abstract:

Financial technology (FinTech) quick development had a significant impact on consumers’ financial lives, particularly their level of financial pleasure. The rise of mobile payments has been somewhat accelerated by the advent of FinTech. This study’s goal is to examine how FinTech used in payments affects consumer financial happiness using information from the Organisation for Economic Co-operation and Development (OECD) 2018 and 2021 National Financial Capability Study (NFCS). Given that the consumer financial happiness variable is non-continuous and ordered, the probit regression approach is

APA, Harvard, Vancouver, ISO, and other styles

2

Meneau, Lisa K., and Janakiraman Moorthy. "Struggling to make ends meet: can consumer financial behaviors improve?" International Journal of Bank Marketing 40, no. 2 (2021): 263–96. http://dx.doi.org/10.1108/ijbm-12-2020-0595.

Full text

Abstract:

PurposeThe purpose of the study is to examine the following two research objectives. The first was to examine the predictive relationships that consumer characteristics of financial literacy, thinking styles and self-control have with a consumer's financial behaviors. The second goal was to ascertain financial management products' ability to aid those consumers who need it the most by weakening the predictive effects of consumer traits on financial behaviors.Design/methodology/approachThe study employed a web-based survey to gather information. The measurement and structural models were analyz

APA, Harvard, Vancouver, ISO, and other styles

3

Wijayanti, Sita Adelia Jatu, and Akhmad Budi Cahyono. "Consumer Representative Actions in the Financial Sector." Nagari Law Review 7, no. 1 (2023): 1. http://dx.doi.org/10.25077/nalrev.v.7.i.1.p.1-13.2023.

Full text

Abstract:

The presence of a non-governmental consumer protection organization plays a vital role in assisting consumers whose position tends to be weak and overseeing the implementation of bank executions so that they are carried out fairly. The organization can also represent a broad group of consumers to appear before the court for consumer protection. This study analyzes the legal protection of consumers based on the omnibus financial law of the Financial Sector Development and Strengthening Law and the Consumer Protection Law as well as the role of non-governmental consumer protection institutions i

APA, Harvard, Vancouver, ISO, and other styles

4

Chen, Fuzhong, Ji Zhang, Jing Jian Xiao, and Jinwei Chen. "Is Financial Education Positively Associated with Consumer Stock Market Satisfaction? Evidence from China." Discrete Dynamics in Nature and Society 2023 (March 6, 2023): 1–15. http://dx.doi.org/10.1155/2023/7924754.

Full text

Abstract:

This study aims to investigate the associations between financial education and consumer stock market satisfaction. Consumer financial education is measured through the objective aspect incorporating formal and informal financial knowledge education, and the subjective aspect is reflected through consumers’ attitudes toward financial education. Using data from China’s urban consumers, the results indicate a positive association between financial education and consumer stock market satisfaction. The findings suggest that consumers who were financially literate at high schools or colleges are mo

APA, Harvard, Vancouver, ISO, and other styles

5

Siahtiri, Vida, Welf Hermann Weiger, Christian Tetteh-Afi, and Tobias Kraemer. "Can frontline employees help consumers improve their financial planning behavior? Implications from triadic analysis." European Journal of Marketing 58, no. 13 (2024): 130–58. http://dx.doi.org/10.1108/ejm-02-2023-0127.

Full text

Abstract:

Purpose As consumer debt can substantially impair subjective well-being, it is crucial for research to gain insights into how consumers can be motivated to improve financial planning. This paper aims to investigate how frontline employees in financial services can help consumers regulate their financial planning behaviors and how financial service providers can effectively support their frontline employees in this effort through leadership and organizational climate. Design/methodology/approach We incorporate regulatory focus theory and conservation of resource theory to develop a conceptual m

APA, Harvard, Vancouver, ISO, and other styles

6

MUN, JUNWOO. "Improvement plan of the act on the protection of financial consumer related to local governments: focusing on the comparison of the act on the protection of financial consumer and the framework act on consumer." Legal Studies Institute of Chosun University 30, no. 1 (2023): 299–326. http://dx.doi.org/10.18189/isicu.2023.30.1.299.

Full text

Abstract:

A summary of improvement plans for the act on the protection of financial consumer related to local governments is as follows. 1. Article 1(purpose) of the act on the protection of financial consumer does not contain any content related to the ‘responsibility of local governments’. Article 1 of the act on the protection of financial consumer is “this act stipulates matters to be observed regarding the business of financial product sellers and financial product advisors, and national and local governments, in order to promote the rights and interests of financial consumers and establish a

APA, Harvard, Vancouver, ISO, and other styles

7

Dootson, Paula, Amanda Beatson, and Judy Drennan. "Financial institutions using social media – do consumers perceive value?" International Journal of Bank Marketing 34, no. 1 (2016): 9–36. http://dx.doi.org/10.1108/ijbm-06-2014-0079.

Full text

Abstract:

Purpose – The purpose of this paper is to examine consumer perceptions of value of financial institutions using social media to interact with consumers; if overall perceived value predicts a consumer’s intention to adopt, and if intention predicts self-reported adoption of social media to interact with a financial institution; and if perceptions of value in using social media to interact with a financial institution changes over time. Design/methodology/approach – Self-administered surveys were run at two time points; 2010 and 2014. Data were analyzed using multiple and mediated regressions, a

APA, Harvard, Vancouver, ISO, and other styles

8

Hiariej, Gian Chelvanno, Teng Berlianty, and Marselo Valentino Geovani Pariela. "Perlindungan Hukum Data Pribadi Konsumen Terhadap Pelaku Usaha Jasa Keuangan." TATOHI: Jurnal Ilmu Hukum 3, no. 5 (2023): 464. http://dx.doi.org/10.47268/tatohi.v3i5.1806.

Full text

Abstract:

Introduction: Financial services businesses use personal data in the form of consumer telephone numbers as information and communication to enable the distribution of data and information on financial products, in this case such as credit offers and/or service offers, quickly and directly with consumers or potential consumers.Purposes of the Research: (1.) To know and understand the legal protection of consumers regarding the personal data used. (2.) How is the application of the principle of rights in Consumer Personal Data Law to Financial Financing Service Business Actor.Methods of the Rese

APA, Harvard, Vancouver, ISO, and other styles

9

Koutsou, Stavriani, and Panagiota Sergaki. "Producers’ cooperative products in short food supply chains: consumers’ response." British Food Journal 122, no. 1 (2019): 198–211. http://dx.doi.org/10.1108/bfj-05-2018-0297.

Full text

Abstract:

Purpose The purpose of this paper is to investigate an innovation concerning a short food supply chain (SFSC) created by a newly established producers’ cooperative in Greece that sells fresh milk to consumers via automatic vending machines; the consumers’ response toward this innovation; and the financial performance of the cooperative. Design/methodology/approach The case study focused on consumer’s attitudes toward the cooperative’s fresh milk sold by automatic vending machines and the cooperative’s financial performance. A structured questionnaire was answered by 912 consumers in Thessaloni

APA, Harvard, Vancouver, ISO, and other styles

10

Wang, Jiawen, and Qianqian Wang. "The Outlook of Financial Consumer Protection in China: Learning from the American Approach." Technium Social Sciences Journal 63 (November 9, 2024): 87–97. http://dx.doi.org/10.47577/tssj.v63i1.11853.

Full text

Abstract:

In China, the range of financial derivative products has expanded considerably in recent years, with a corresponding increase in the complexity of these instruments. Financial institutions now offer a diverse array of financial products to consumers. There is a considerable disparity between financial consumers and financial institutions in a number of areas, including economic strength, social status, professional composition, negotiation ability and even judicial resources. Consequently, the topic of financial consumer protection is receiving increasing attention, and this issue is also a ma

APA, Harvard, Vancouver, ISO, and other styles

11

Huhmann, Bruce A. "Literacy matters in marketing." International Journal of Bank Marketing 35, no. 5 (2017): 750–60. http://dx.doi.org/10.1108/ijbm-12-2016-0188.

Full text

Abstract:

Purpose Literacy represents one’s ability to process and produce materials related to a domain. One type of this higher-order, global individual difference variable is consumer financial literacy. It stems from one’s financial information processing capacity, prior financial knowledge, and proficiency in optimizing financial decisions and managing financial resources. The paper aims to discuss these issues. Design/methodology/approach The research matching perspective theoretically explains findings related to literacy, including those in this special issue. Optimal processing arises as availa

APA, Harvard, Vancouver, ISO, and other styles

12

Efimov, А. V. "Judicial Protection of the Rights of Consumers of Financial Services." Rossijskoe pravosudie 5 (May 25, 2021): 89–95. http://dx.doi.org/10.37399/issn2072-909x.2021.5.89-95.

Full text

Abstract:

. The institution of a financial ombudsman significantly affects the procedure for protecting the rights of consumers of financial services. The problem is that the protection of consumer rights in the courts is complicated by the factual double mandatory pre-trial procedure for resolving a dispute, in which, before going to court, the consumer is obliged to contact a financial organizationand a financial ombudsman. The purpose of this article is to formulate a theoretical approach to the balance between consumer access to justice and the burden on the judicial system. Research objectives: cha

APA, Harvard, Vancouver, ISO, and other styles

13

Kwon, Sehoon, and Juil Ban. "Formulation of Effective Regulations to Protect Financial Consumers from the Sale of High-risk Financial Products." Korean Journal of Financial Studies 51, no. 1 (2022): 63–95. http://dx.doi.org/10.26845/kjfs.2022.02.51.1.063.

Full text

Abstract:

The DLF, Lime fund and Optimus fund scandals highlight the unethical management and sales behavior of financial companies as well as consumers’ lowered trust in them; this has raised awareness regarding high-risk financial products and the need for financial consumer protection in Korea. Financial authorities have devised various measures to prevent the recurrence of scandals. Examining the current state of high-risk financial product sales and the newly introduced regulatory measures, this study investigates whether there exists any lack in the financial consumer protection and regulatory mea

APA, Harvard, Vancouver, ISO, and other styles

14

G Raut, Shruti, and Dr Liladhar Rewatkar. "Credit Card Financial Income." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 03 (2025): 1–9. https://doi.org/10.55041/ijsrem42930.

Full text

Abstract:

Credit cards have become an essential financial tool in modern economies, influencing both individual financial behaviour and overall economic growth. This study explores the impact of credit card usage on financial income, focusing on how consumers manage their credit, its contribution to household income, and the role of banks and financial institutions in generating revenue through interest rates, transaction fees, and penalties. The research examines various factors affecting credit card financial income, such as consumer spending patterns, interest accumulation, and reward programs. Addit

APA, Harvard, Vancouver, ISO, and other styles

15

Van Miert, Karel. "L’Europe de la consommation." Revue française d'administration publique 56, no. 1 (1990): 615–24. http://dx.doi.org/10.3406/rfap.1990.2404.

Full text

Abstract:

Consumer Protection in the EEC. Consumer protection policy has developed since 1972. The achievement of internal market requires from the Commission the adoption of adequate regulations in order to guarantee consumer’s interests and to organize their legal protection. The three-year european plan of action defines four specific programs : consumer’s representation ; open access to information about financial services and comparative publicity ; consumers safety and security ; fair transactions. Nevertheless, it is necessary to surmount the contradictions between consumers and producers’ intere

APA, Harvard, Vancouver, ISO, and other styles

16

Johan, Suwinto, and Ariawan Ariawan. "Consumer protection in financial institutions." Legality : Jurnal Ilmiah Hukum 29, no. 2 (2021): 173–83. http://dx.doi.org/10.22219/ljih.v29i2.16382.

Full text

Abstract:

The relationship between financial institutions and customers is like two sides of a coin. On one hand, it is mutually beneficial, but on the other hand, this relationship can lead to mutual harm. Customers of financial institutions have a medium for a long-term relationships. Consumers of financial institutions generally have an average relationship of 24 months. Consumers make loan payments according to the agreed time. Customers will be able to get the right to the collateral if the loan has been paid. Conversely, if customers are unable to pay the installments on time, financial institutio

APA, Harvard, Vancouver, ISO, and other styles

17

Magau, Phemelo. "The regulatory nexus between the promotion of financial education and financial inclusion in enhancing consumer protection in South Africa." De Jure 55, no. 1 (2023): 220–40. http://dx.doi.org/10.17159/2225-7160/2023/v56a16.

Full text

Abstract:

This paper seeks to share some insights on the regulatory aspects of the promotion of financial education and financial inclusion to enhance consumer protection in South Africa. In recent years, policymakers in different countries, including South Africa, have made various efforts to regulate financial inclusion and integrate financial consumers into the financial sector. Similarly, policymakers and other relevant stakeholders have made efforts to promote financial education to empower financial consumers to make sound financial choices and decisions. Notwithstanding these efforts, the promoti

APA, Harvard, Vancouver, ISO, and other styles

18

Jung, You Sung. "Major Contents on the Financial Consumer Protection Law to Protect Financial Consumers." Sogang Journal of Law and Business 2, no. 2 (2012): 93–128. http://dx.doi.org/10.35505/sjlb.2012.12.2.2.93.

Full text

APA, Harvard, Vancouver, ISO, and other styles

19

Yu, Hao. "Research on the Construction of Financial Technology "Regulatory Sandbox" Testing Consumer Loss Compensation System." Frontiers in Humanities and Social Sciences 2, no. 8 (2022): 76–86. http://dx.doi.org/10.54691/fhss.v2i8.1660.

Full text

Abstract:

Fintech "regulatory sandbox" refers to a "trial and error" regulatory mode in which financial innovative products or services audited by financial regulators can conduct business tests in a real or simulated environment within a certain time and scope. After passing the test, they can be fully promoted to the financial market and included in the normal regulatory scope. Consumer protection is an important part of the design of the "regulatory sandbox". Perfect and appropriate consumer protection measures are conducive to enhancing the confidence of financial consumers, promoting the maximizati

APA, Harvard, Vancouver, ISO, and other styles

20

Nur Husni Emilson, Koesrin Nawawi, and Soleh Idrus. "PERLINDUNGAN & PENYELESAIAN SENGKETA KOSUMEN SEKTOR JASA KEUANGAN." Juris 7, no. 1 (2023): 181–85. http://dx.doi.org/10.56301/juris.v7i1.871.

Full text

Abstract:

Disputes in the financial services sector can occur if there is a difference in understanding between the institution and the consumer regarding a service product from the related financial institution or from the institution's negligence in fulfilling its obligations. Consumer protection is all efforts to provide legal certainty to consumers. The PK Law is the legal basis for legal protection for consumers, while the OJK Law is the Constitution of the establishment of Financial Institutions, in this case the OJK as an independent body that regulates, supervises, inspects and investigates in t

APA, Harvard, Vancouver, ISO, and other styles

21

Mulkan, Hasanal, Veni Ardea Regita, Marissa Ikhsan, Fathya Faradilla, and Muhammad Rizky Kurniawan. "Perlindungan Dan Penyelesaian Sengketa Kosumen Sektor Jasa Keuangan." Justicia Sains: Jurnal Ilmu Hukum 8, no. 1 (2023): 116–25. http://dx.doi.org/10.24967/jcs.v8i1.2379.

Full text

Abstract:

Disputes in the financial services sector can occur if there is a difference in understanding between the institution and the consumer regarding a service product from the related financial institution or from the institution's negligence in fulfilling its obligations. Consumer protection is all efforts to provide legal certainty to consumers. The PK Law is the legal basis for legal protection for consumers, while the OJK Law is the Constitution of the establishment of Financial Institutions, in this case the OJK as an independent body that regulates, supervises, inspects and investigates in t

APA, Harvard, Vancouver, ISO, and other styles

22

Sharma, Abhishek, Chandana Hewege, and Chamila Perera. "Enhancing Consumer Empowerment: Insights into the Role of Rationality When Making Financial Investment Decisions." Journal of Risk and Financial Management 18, no. 2 (2025): 106. https://doi.org/10.3390/jrfm18020106.

Full text

Abstract:

With an avalanche of market manipulations and unethical tactics in the Australian financial industry, the empowerment levels of female Australian consumers when making financial investment decisions are highly questionable. Through the theoretical lens of a utilitarian perspective, financial investment decisions are often built on the pillars of trust, security, and assurance, which allow consumers to make decisions rationally and gain empowerment when making these decisions. However, due to the widespread manipulations prevailing in Australian financial markets, the role of rationality and it

APA, Harvard, Vancouver, ISO, and other styles

23

Lin, Fang, and Wenxiang Chen. "Research on the Trust Mechanism of Individual Consumers in Rural Financial Markets Based on the Dynamic CGE Model." Scientific Programming 2022 (January 5, 2022): 1–10. http://dx.doi.org/10.1155/2022/2167874.

Full text

Abstract:

In order to obtain the complete equilibrium state of rural financial market and ensure the stable development of rural financial consumer market, this paper introduces CGE model and analyzes the dynamic trust mechanism of individual consumers in rural financial market. In this paper, the single variable evolutionary fuzzy clustering algorithm is used to analyze the orthogonal eigenvector solutions of individual consumers; the big data of individual consumers under the mode of perceived trust is automatically clustered, so as to obtain the fuzzy analogy function of individual consumers in the r

APA, Harvard, Vancouver, ISO, and other styles

24

Lee, Yeon-Jae, and Seung-Woo Shin. "An Analysis Of The Importance Of The Evaluation Criteria Of The Real Estate Financial Consumer Protection System: Utilizing The AHP Technique." Institute of Management and Economy Research 13, no. 3 (2022): 227–43. http://dx.doi.org/10.32599/apjb.13.3.202209.227.

Full text

Abstract:

Purpose - This study surveyed real estate financial consumers and financial company staff regarding the components of the financial consumer protection system to seek detailed improvement plans for the Financial Consumer Protection Act. Design/methodology/approach - The Analytic Hierarchy Process (AHP) technique is applied. Findings - Both consumers and staff highly evaluated the importance of the preventive measures in the main classification factors. Regarding the sub-classification factors of preventive measures, consumers emphasized the responsible management of investment staff and financ

APA, Harvard, Vancouver, ISO, and other styles

25

Yue, Shuying, Yu, Tuoxin, Li, Jin, and Yan, Qiang. "The Consumer Buying Behavior and Its Relationship to Financial Management of a Purchasing Company." Journal of Business and Management Studies 6, no. 1 (2024): 97–109. http://dx.doi.org/10.32996/jbms.2024.6.1.5.

Full text

Abstract:

Consumer behavior is crucial for understanding and managing the financial aspects of a company. It involves how consumers make decisions and use products and services. Understanding consumer behavior helps companies understand customer reactions to product features, prices, and marketing strategies. This study assessed consumer buying behavior and its relationship to financial management, revealing that online shopping has a positive effect on a company's financial management. However, consumers still prefer in-store purchases due to a lack of assurance and resources. Therefore, understanding

APA, Harvard, Vancouver, ISO, and other styles

26

Foster, Kevin, Claire Greene, and Joanna Stavins. "Can cash and mobile pay co-exist? What the data tell us." Journal of Payments Strategy & Systems 18, no. 3 (2024): 309. http://dx.doi.org/10.69554/vblp4711.

Full text

Abstract:

As US consumers increasingly turn to multiple financial institutions, multiple FinTech providers and multiple payment apps, getting a full picture of the consumer’s wallet is rare. Drawing on data collected through the Survey and Diary of Consumer Payment Choice — a representative survey of US consumers conducted since 2008 — this paper provides insights into US consumers’ adoption of bank accounts and payment instruments, their recent use of payment instruments, their payment choices for purchases and bills, and the evolution in their practices over the last decade of innovation in payments.

APA, Harvard, Vancouver, ISO, and other styles

27

Krasniqi, Malush, and Drita Krasniqi. "Attitudes and Costumer Behaviour." European Journal of Social Sciences Education and Research 2, no. 1 (2014): 98. http://dx.doi.org/10.26417/ejser.v2i1.p98-104.

Full text

Abstract:

An attitude may be defined as a learned predisposition to respond in a consistently favourable or unfavourable manner with respect to a given object Financial capability encompasses the knowledge, attitudes, skills and behaviors of consumers with respect to managing their resources and understanding, selecting, and making use of financial services that fit their needs. The indicators on this page measure main aspects of financial capability, some of which refer to attitudes and motivations (e.g. attitudes towards the future, impulsiveness, etc.), others to behaviors (e.g. budgeting, saving, ch

APA, Harvard, Vancouver, ISO, and other styles

28

Stoop, Philip, Gail Pearson, and Michelle Kelly-Louw. "Balancing Responsibilities – Financial Literacy." Potchefstroom Electronic Law Journal/Potchefstroomse Elektroniese Regsblad 20 (May 15, 2017): 1. http://dx.doi.org/10.17159/1727-3781/2017/v20i0a1378.

Full text

Abstract:

In Australia there is an obligation to promote the informed participation of financial consumers while in South Africa there is an obligation to educate consumers. The Australian obligation is concerned with the financial system as a whole while the South African obligation has generally been focused on general financial education as a tool to promote financial inclusion. There is no obligation for consumers to attain a minimum standard of literacy in credit or finance generally. Financial literacy is one among a number of strategies directed towards inducing changes in consumer behaviour. It

APA, Harvard, Vancouver, ISO, and other styles

29

Haim, Liran. "Rethinking Consumer Protection Policy in Financial Markets." Journal of Law and Commerce 32, no. 1 (2013): 23–79. http://dx.doi.org/10.5195/jlc.2013.58.

Full text

Abstract:

Financial products for consumers usually are characterized by complexity and incomprehensibility. Consumers typically find themselves defeated when attempting to control their financial destiny by understanding these products. This Article explores the economic and social factors that lead to this reality, analyzes its highly negative private and social ramifications and proposes an appropriate policy response. I argue that the current market structure creates a reality in which financial institutions are motivated to produce complex financial products for consumers in order to maximize their

APA, Harvard, Vancouver, ISO, and other styles

30

Masilo, Kgomotso Hilda. "Debt counselling services in Gauteng (South Africa): Consumers’ perspective." Journal of Governance and Regulation 3, no. 3 (2014): 120–27. http://dx.doi.org/10.22495/jgr_v3_i3_c1_p5.

Full text

Abstract:

Debt counsellors are receiving a high number of applications from over-indebted consumers on a monthly basis. This paper investigates the effectiveness of debt counselling on consumer financial wellness. Three hundred consumers were surveyed and a response rate of 61% was achieved. Data was analysed using descriptive statistics. There was no evidence that consumers who received debt counselling improved in their financial standing. The article concluded that though debt counselling is important, it does not necessarily improve the financial prosperity of over-indebted consumers. The paper reco

APA, Harvard, Vancouver, ISO, and other styles

31

Chamboko, Richard, Gerald Kadira, Lisho Mundia, and Rumbidzai K. T. Chamboko. "Mapping patterns of financial distress among consumers in Zimbabwe." International Journal of Social Economics 44, no. 12 (2017): 1654–68. http://dx.doi.org/10.1108/ijse-01-2016-0025.

Full text

Abstract:

Purpose The purpose of this paper is to provide a mapping of financial distress among consumers in Zimbabwe. To inform policy, it nuances the understanding of the level of financial distress and the precise location of the most distressed consumers in the country. Design/methodology/approach The study mapped financial distress among consumers on the ten provinces of Zimbabwe using credit repayment behavioural indicators from retail consumer loans data. Findings Findings showed widespread financial distress among consumers across the country with Matabeleland North and Matabeleland South provin

APA, Harvard, Vancouver, ISO, and other styles

32

Liao, Yufei. "The Necessity of Special Legal Protection for Financial Consumers." Journal of Economics and Law 1, no. 3 (2024): 46–52. http://dx.doi.org/10.62517/jel.202414308.

Full text

Abstract:

In recent years, around the proposition of the protection of financial consumers' rights and interests, China has introduced a series of normative measures, and initially formed a regulatory framework with financial consumers as the main body, laying a good institutional foundation for the stable development of the financial market. It is worth noting that the rapid development of Internet technology and big data technology has made more and more people participate in financial consumption transactions, and also made illegal acts that infringe on the rights and interests of financial consumers

APA, Harvard, Vancouver, ISO, and other styles

33

S. Johnson, Devon, and Mark Peterson. "Consumer financial anxiety." International Journal of Bank Marketing 32, no. 6 (2014): 515–33. http://dx.doi.org/10.1108/ijbm-08-2013-0080.

Full text

Abstract:

Purpose – The purpose of this paper is to examine how small and medium-sized, regional financial service firms reacted to the financial crisis by helping their customers cope with their heightened state financial anxiety during the Economic Crisis of 2008. It also examines the variety of strategies pursued by these firms to rebuild consumer trust in their brands in the ensuing years. Design/methodology/approach – The authors relied on grounded theory as a methodological approach to understand the unfolding situation of the financial crisis and to inductively develop a framework explaining mana

APA, Harvard, Vancouver, ISO, and other styles

34

Gębski, Ł., and O. Druhov. "BEHAVIOR OF POLISH CONSUMERS ON THE FINANCIAL MARKET IN THE LIGHT OF RESEARCH RESULTS IN THE CENTRAL AND EASTERN EUROPE." Journal of Lviv Polytechnic National University. Series of Economics and Management Issues 8 (November 1, 2024): 14–31. https://doi.org/10.23939/semi2024.02.014.

Full text

Abstract:

Purpose – Financial literacy plays an increasingly important role in the formation of vital skills of the population. The ability to correctly understand and use financial services is already an integral part of the knowledge of an adult. Because of this, measuring the level of financial literacy plays an important social role. The aim of this article is to analyze market behavior and consumer knowledge on the financial market in the light of scientific achievements and own research. The authors examine the actual level of financial knowledge of Polish consumers and analyze the mistakes made b

APA, Harvard, Vancouver, ISO, and other styles

35

Lee, Taejun (David), Bruce A. Huhmann, and TaiWoong Yun. "Readability of Korean-Language advertising disclosures moderates knowledge effects." International Journal of Bank Marketing 38, no. 7 (2020): 1421–40. http://dx.doi.org/10.1108/ijbm-03-2020-0090.

Full text

Abstract:

PurposeGovernment policy mandates information disclosure in financial communications to protect consumer welfare. Unfortunately, low readability can hamper information disclosures’ meaningful benefits to financial decision making. Thus, this experiment tests the product evaluation and decision satisfaction of Korean consumers with less or more subjective knowledge and with or without personal finance education.Design/methodology/approachA between-subjects experiment examined responses of a nationally representative sample of 400 Korean consumers toward a Korean-language credit card advertiseme

APA, Harvard, Vancouver, ISO, and other styles

36

Chen, Fuzhong, Xin Du, and Wenting Wang. "Can FinTech Applied to Payments Improve Consumer Financial Satisfaction? Evidence from the USA." Mathematics 11, no. 2 (2023): 363. http://dx.doi.org/10.3390/math11020363.

Full text

Abstract:

The rapid development of financial technology (FinTech) has profoundly affected consumers’ financial life, especially their financial satisfaction. The advancement of FinTech has given momentum to the development of mobile payments to some extent. The objective of this study is to investigate the effects of FinTech applied to payments on consumer financial satisfaction utilizing data from the U.S. 2015 and 2018 National Financial Capability Study (NFCS). The method of probit regression is utilized to perform more accurate estimates since the variable of consumer financial satisfaction is non-c

APA, Harvard, Vancouver, ISO, and other styles

37

유진 and SON, Jeongkook. "Financial Disputes and Protection of Financial Consumers." KOREAN JOURNAL OF FINANCIAL MANAGEMENT 34, no. 4 (2017): 197–226. http://dx.doi.org/10.22510/kjofm.2017.34.4.008.

Full text

APA, Harvard, Vancouver, ISO, and other styles

38

Kanudawala, Piyushkumar Jagdishbhai, and Dr. Hetal Unadkat. "Consumer protection and the role of advice in the retail financial services market." International Journal of Advance and Applied Research 5, no. 21 (2024): 39–42. https://doi.org/10.5281/zenodo.12704433.

Full text

Abstract:

<strong>Abstract:</strong>         The retail financial services market is crucial for personal financial stability and economic growth. However, consumers often face challenges due to complex products, information asymmetry, and potential conflicts of interest from financial advisors. This paper explores the mechanisms of consumer protection in this sector, highlighting regulatory frameworks, transparency requirements, and the enforcement of fair practices. It also examines the critical role of financial advice, assessing how well-informed and unbiased guida

APA, Harvard, Vancouver, ISO, and other styles

39

Senatore, Vincenzo. "Financial Consumers and Applicable Provisions a European and Italian Perspective." International Review of Financial Consumers 2, No. 1 Apr 2017 (2017): 17–42. http://dx.doi.org/10.36544/irfc.2017.1-3.

Full text

Abstract:

In Europe, general legislation requires protection of the economic interests of consumers. This includes, for instance, the consumer protection from financial services, misleading advertising and unfair contract terms. However, only after the global financial crisis, the European Union (EU) has become aware of the lack of transparency, poor handling of conflicts of interest, over-indebtedness, and low awareness of risks of the consumers in dealing with financial services. This paper aims to investigate the financial knowledge and overconfidence in Europe, and to provide an overview of consumer

APA, Harvard, Vancouver, ISO, and other styles

40

Kokorev, Rostislav, Tatyana Plotnikova, Anna Solodukhina, Irina Surkova, and Sergey Trukhachev. "Information asymmetry on financial market and protection of credit services consumers’ rights in the Russian Federation." Moscow University Economics Bulletin 2015, no. 6 (2015): 17–39. http://dx.doi.org/10.38050/01300105201562.

Full text

Abstract:

The article is based on the results of the monitoring of financial services consumers’ rights protection, held within the framework of the joint project «Financial Education and Financial Literacy»оf the Russian Мinistry of Finance and the World Bank. The results show the influence of information asymmetry on consumers’ and financial organizations’ behavior in the retail credit market (broken into such segments as consumer credits, mortgages, car credits, microfinance lending). The paper identifies the most serious violations of consumers’ rights provoked by the asymmetry and offers recommenda

APA, Harvard, Vancouver, ISO, and other styles

41

Neacșu, Nicoleta Andreea, Carmen Elena Anton, Camelia Mirela Baba, and Anca Popescu. "Financial and Banking Education of Consumers in the Context of Sustainable Development Society." Sustainability 15, no. 13 (2023): 10052. http://dx.doi.org/10.3390/su151310052.

Full text

Abstract:

The paper addresses the consumer’s behaviour toward banking services, outlining the need to deepen and complete a financial-banking education. The purpose of the study is to identify the opinions of consumers of banking services regarding the collaboration relationship with financial-banking institutions from the perspective of financial education and sustainable development. In this regard, the authors carried out an analysis of the content of loan agreements using: the method of evaluation grids—a specific method of diagnostic analysis supplemented with in-depth interview—a qualitative resea

APA, Harvard, Vancouver, ISO, and other styles

42

Naim, Arshi, and Mohammad Faiz Khan. "Consumer Behavior for Health Services: A Psychological Approach." Science Progress and Research 1, no. 4 (2021): 356–67. http://dx.doi.org/10.52152/spr/2021.155.

Full text

Abstract:

The objective of the research is to understand Psychographic aspect of Consumer Behavior for health services and accordingly effort to understand how proactive behavior can be inculcate amongst consumers. Data was collected from primary source which are Medical Practitioners, Medical Representatives and Patients. Research method is adaptive as it tries to influence present psychographic consumer behavior towards health and fitness and to measure responses likert scale is used. To do optimal health and financial outcomes to fitness the research method is both Qualitative as well as Quantitative

APA, Harvard, Vancouver, ISO, and other styles

43

Frączek, Bożena. "A System to Support the Transparency of Consumer Credit Offers." Journal of Risk and Financial Management 13, no. 12 (2020): 317. http://dx.doi.org/10.3390/jrfm13120317.

Full text

Abstract:

The development of financial markets and the low level of financial literacy does not facilitate consumer protection. A significant problem is the lack of information or unclear information regarding financial offers, including consumer credit. Financial protection for consumers can be increased by using systems that support consumers faced with a lack of transparency of consumer credit offers. The theoretical objective of the research is to identify the completeness of information allowing for verifying the annual percentage rate (APR) in the consumer credit offers presented and compared on w

APA, Harvard, Vancouver, ISO, and other styles

44

Iheme, Williams C. "Rethinking the Effectiveness of Consumer Protection Policies and Measures in the Financial Marketplace." Jurídicas 19, no. 2 (2022): 165–85. http://dx.doi.org/10.17151/jurid.2022.19.2.9.

Full text

Abstract:

This paper aims to identify and challenge the common practice among financial institutions of designing and selling complex financial products to consumers who lack full comprehension, thus preventing them from making informed decisions before consuming such financial products. This deceptive approach leads many consumers to experience financial losses, with significant negative consequences for society as a whole. The paper delves into the motivations behind financial institutions to produce and successfully sell complex financial products; they flourish, mainly because they often take advant

APA, Harvard, Vancouver, ISO, and other styles

45

Chen, Fuzhong, Jingxin Lu, Jiaying Li, Wenting Wang, and Horlane Bissielou. "Sustainable Financial Education and Consumer Life Satisfaction." Sustainability 12, no. 3 (2020): 1150. http://dx.doi.org/10.3390/su12031150.

Full text

Abstract:

Sustainable financial education is defined as the continuous input of money and time on financial knowledge education after formal schooling. The purpose of this paper is to examine the impact of sustainable financial education on consumer life satisfaction. Utilizing the dataset of Household Consumer Finance of Chinese Urban Residents in 2012 by the China Financial Research Center of Tsinghua University, the variable of sustainable financial education is constructed through the variables of the necessity of financial education, the money spent on financial education, and the time spent on fin

APA, Harvard, Vancouver, ISO, and other styles

46

Komara, Anton Tirta. "The Roles of Price on Rebates and Implication to Customer Product Choice." Jurnal Ekonomi, Bisnis & Entrepreneurship 17, no. 2 (2023): 433–45. https://doi.org/10.55208/p3dhbf30.

Full text

Abstract:

A comprehensive comprehension of the various factors influencing consumer purchasing decisions is crucial for success in the highly competitive business environment. The findings of this study examine the significant role that price and discounts (rebates) play in consumer decision-making. The study's findings emphasize the considerable influence of price on consumers' decision-making regarding product selection. Consumers tend to seek out more affordable alternative options when there is an increase in the price of a product. Nevertheless, in the event of a compelling discount, consumers tend

APA, Harvard, Vancouver, ISO, and other styles

47

Komara, Anton Tirta. "Roles of Price on Rebates and Implication to Customer Product Choice." Jurnal Ekonomi, Bisnis & Entrepreneurship 17, no. 2 (2023): 433–45. http://dx.doi.org/10.55208/jebe.v17i2.485.

Full text

Abstract:

A comprehensive comprehension of the various factors influencing consumer purchasing decisions is crucial for success in the highly competitive business environment. The findings of this study examine the significant role that price and discounts (rebates) play in consumer decision-making. The study's findings emphasize the considerable influence of price on consumers' decision-making regarding product selection. Consumers tend to seek out more affordable alternative options when there is an increase in the price of a product. Nevertheless, in the event of a compelling discount, consumers tend

APA, Harvard, Vancouver, ISO, and other styles

48

Chawla, Isha, Mia B. Russell, Kenneth J. White, and Sharon A. DeVaney. "Fear and trust in financial institutions." Financial Services Review 31, no. 2/3 (2023): 211–28. http://dx.doi.org/10.61190/fsr.v31i2/3.3541.

Full text

Abstract:

Financial institutions are pillars of the economy and play an important role in consumers’ daily lives. As such, trust between financial institutions and the consumers they serve is of paramount impor- tance. Using an online survey administered during the COVID-19 pandemic, this paper uses a qualitative content analysis methodology to explore consumer fear and trust in financial institutions. Stemming from fear of loss, three themes emerged: (1) history and experience, (2) perceived unfair practices/lack of knowledge of banking, and (3) general trust issues. Implications for financial institu-

APA, Harvard, Vancouver, ISO, and other styles

49

Perry, Vanessa Gail, and Sheila Ards. "Creditsmart© Research: A Study of Consumer Financial Knowledge and Implications for Social Marketing." Social Marketing Quarterly 8, no. 3 (2002): 3–16. http://dx.doi.org/10.1080/15245000214133.

Full text

Abstract:

This paper describes a corporate-sponsored research effort whose goal was to help consumers obtain and maintain good credit through consumer education. Freddie Mac in collaboration with five historically Black colleges and universities (HBCUs) and three national nonprofit consumer organizations sponsored this initiative, known as CreditSmart©, which involves research, curriculum development, and outreach. In order to inform the curriculum and outreach, the authors evaluate the effectiveness of learning about finances through formal, informal, and experiential sources. They also examine whether

APA, Harvard, Vancouver, ISO, and other styles

50

Lobozynska, Sophia, Iryna Skomorovych, and Ulyana Vladychyn. "State Policy of Consumer Protection in the Digital Financial Services Market in Ukraine." Finanse i Prawo Finansowe 2, no. 26 (2020): 51–62. http://dx.doi.org/10.18778/2391-6478.2.26.04.

Full text

Abstract:

The rapid development of digital financial technologies in Ukraine leads to the emergence of new risks and to significant consumers’ losses in the financial market. The aim of the study is to develop strategic directions of state policy of consumer protection in the digital financial services market considering the best world practices and features of the financial system of Ukraine.System scientific analysis was used to study the possibilities of implementing international quality standards for digital financial services in Ukrainian legislation. The method of statistical analysis of data was

APA, Harvard, Vancouver, ISO, and other styles

We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!