---
title: "Financial literacy research: papers and trends"
description: "From 2017 to 2026 (so far), the keyword “financial literacy” appeared in 740 papers in the tracked journals, most of them in finance (359), economics (222) and management (73)."
url: https://scholar4ai.com/keywords/financial-literacy
markdown_url: https://scholar4ai.com/keywords/financial-literacy.md
license: CC BY-NC 4.0 (https://creativecommons.org/licenses/by-nc/4.0/)
share_text: "From 2017 to 2026 (so far), the keyword “financial literacy” appeared in 740 papers in the tracked journals, most of them in finance (359), economics (222) and management (73). (as of 2026-11-03)"
data_url: https://scholar4ai.com/data/rankings.json
updated: 2026-11-03T18:03:37+09:00
window: 2026-10-05 to 2026-11-03
source: OpenAlex (CC0)
---

# Papers on “financial literacy”

Research on “financial literacy” in the 480 tracked journals: papers per year and category, the journals, institutions and countries publishing it, the keywords studied with it and its most-cited papers. It is not among the most frequent keywords of the last 30 days, so this page has no list of its latest papers.

Back to the ranking: https://scholar4ai.com/rankings/keywords.md

## Key findings

- From 2017 to 2026 (so far), the keyword “financial literacy” appeared in 740 papers in the tracked journals, most of them in finance (359), economics (222) and management (73).
- 173 of them were published in 2025, against 20 in 2017.
- Since 2023, the institutions with the most of these papers were Beijing Technology and Business University (7), Central University of Finance and Economics (7) and Southwestern University of Finance and Economics (7).
- The journals publishing most of them were Finance research letters (66), Journal of Behavioral and Experimental Finance (36) and International Review of Economics & Finance (31).
- The most-cited of them is “The impact of digital finance on household consumption: Evidence from China” (Economic Modelling, 2019), with 961 citations.

## Papers per year

*Papers per publication year and category*

| Category | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (so far) |
|---|---:|---:|---:|---:|---:|---:|---:|---:|---:|---:|
| [Finance](https://scholar4ai.com/categories/finance.md) | 10 | 5 | 13 | 15 | 33 | 21 | 29 | 68 | 101 | 64 |
| [Economics](https://scholar4ai.com/categories/economics.md) | 5 | 17 | 19 | 20 | 17 | 29 | 16 | 33 | 41 | 25 |
| [Management](https://scholar4ai.com/categories/management.md) | 3 | 1 | 3 | 5 | 8 | 6 | 4 | 7 | 14 | 22 |
| [Marketing](https://scholar4ai.com/categories/marketing.md) | 0 | 4 | 0 | 3 | 2 | 3 | 8 | 4 | 10 | 13 |
| [Accounting](https://scholar4ai.com/categories/accounting.md) | 1 | 0 | 0 | 0 | 1 | 2 | 5 | 3 | 1 | 1 |
| [Information Systems](https://scholar4ai.com/categories/information-systems.md) | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 1 | 1 | 6 |
| [Tourism and Hospitality](https://scholar4ai.com/categories/tourism-and-hospitality.md) | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| [Higher Education and Research](https://scholar4ai.com/categories/higher-education-and-research.md) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 1 |
| [Health Economics and Policy](https://scholar4ai.com/categories/health-economics-and-policy.md) | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| [Operations Research](https://scholar4ai.com/categories/operations-research.md) | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 |
| [AI](https://scholar4ai.com/categories/ai.md) | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 |
| All categories | 20 | 27 | 35 | 43 | 63 | 63 | 64 | 118 | 173 | 134 |

## Where the papers come from

*Journals with the most papers, since 2023*

| # | Journal | Papers |
|---:|---|---:|
| 1 | [Finance research letters](https://scholar4ai.com/journals/finance-research-letters.md) | 66 |
| 2 | [Journal of Behavioral and Experimental Finance](https://scholar4ai.com/journals/journal-of-behavioral-and-experimental-finance.md) | 36 |
| 3 | [International Review of Economics & Finance](https://scholar4ai.com/journals/international-review-of-economics-finance.md) | 31 |
| 4 | [Journal of Financial Services Marketing](https://scholar4ai.com/journals/journal-of-financial-services-marketing.md) | 27 |
| 5 | [Borsa Istanbul Review](https://scholar4ai.com/journals/borsa-istanbul-review.md) | 25 |
| 6 | [Future Business Journal](https://scholar4ai.com/journals/future-business-journal.md) | 18 |
| 7 | [International Review of Financial Analysis](https://scholar4ai.com/journals/international-review-of-financial-analysis.md) | 15 |
| 8 | [Research in International Business and Finance](https://scholar4ai.com/journals/research-in-international-business-and-finance.md) | 13 |
| 9 | [Journal of Family and Economic Issues](https://scholar4ai.com/journals/journal-of-family-and-economic-issues.md) | 13 |
| 10 | [Economics Letters](https://scholar4ai.com/journals/economics-letters.md) | 10 |

*Institutions with the most papers, since 2023*

| # | Institution | Papers |
|---:|---|---:|
| 1 | [Beijing Technology and Business University](https://scholar4ai.com/institutions/beijing-technology-and-business-university.md) | 7 |
| 2 | [Central University of Finance and Economics](https://scholar4ai.com/institutions/central-university-of-finance-and-economics.md) | 7 |
| 3 | [Southwestern University of Finance and Economics](https://scholar4ai.com/institutions/southwestern-university-of-finance-and-economics.md) | 7 |
| 4 | Bank of Italy | 6 |
| 5 | [Beijing Normal University](https://scholar4ai.com/institutions/beijing-normal-university.md) | 6 |
| 6 | [Capital University of Economics and Business](https://scholar4ai.com/institutions/capital-university-of-economics-and-business.md) | 6 |
| 7 | [University of International Business and Economics](https://scholar4ai.com/institutions/university-of-international-business-and-economics.md) | 6 |
| 8 | University of Rome Tor Vergata | 6 |
| 9 | University of Urbino | 6 |
| 10 | [Zhongnan University of Economics and Law](https://scholar4ai.com/institutions/zhongnan-university-of-economics-and-law.md) | 6 |

*Countries with the most papers, since 2023*

| # | Country | Papers |
|---:|---|---:|
| 1 | China | 136 |
| 2 | United States | 61 |
| 3 | Italy | 46 |
| 4 | India | 43 |
| 5 | United Kingdom | 29 |
| 6 | Germany | 24 |
| 7 | Spain | 23 |
| 8 | Malaysia | 20 |
| 9 | Australia | 19 |
| 10 | Indonesia | 15 |

*Keywords with the most papers, since 2023*

| # | Keyword | Papers |
|---:|---|---:|
| 1 | financial education | 68 |
| 2 | [financial inclusion](https://scholar4ai.com/keywords/financial-inclusion.md) | 59 |
| 3 | [China](https://scholar4ai.com/keywords/china.md) | 45 |
| 4 | China Household Finance Survey | 41 |
| 5 | financial behavior | 33 |
| 6 | [moderating effect](https://scholar4ai.com/keywords/moderating-effect.md) | 32 |
| 7 | household finance | 30 |
| 8 | [risk preferences](https://scholar4ai.com/keywords/risk-preferences.md) | 27 |
| 9 | [gender differences](https://scholar4ai.com/keywords/gender-differences.md) | 25 |

## Most-cited papers

*Most-cited papers since 2017*

| # | Citations | Per month | Title | Journal | Published | Authors |
|---:|---:|---:|---|---|---|---|
| 1 | 961 | 11.3 | [The impact of digital finance on household consumption: Evidence from China](https://doi.org/10.1016/j.econmod.2019.09.027) | [Economic Modelling](https://scholar4ai.com/journals/economic-modelling.md) | 2019-09-21 | Jie Li, Yu Wu, Jing Jian Xiao |
| 2 | 701 | 7.0 | [Does financial literacy improve financial inclusion? Cross country evidence](https://doi.org/10.1016/j.worlddev.2018.06.020) | [World Development](https://scholar4ai.com/journals/world-development.md) | 2018-07-17 | Antonia Grohmann, Theres Klühs, Lukas Menkhoff |
| 3 | 472 | 4.1 | [Financial literacy, financial advice, and financial behavior](https://doi.org/10.1007/s11573-017-0853-9) | [Journal of Business Economics](https://scholar4ai.com/journals/journal-of-business-economics.md) | 2017-03-03 | Oscar Anselm Stolper, Andreas Walter |
| 4 | 372 | 4.3 | [Banking goes digital: The adoption of FinTech services by German households](https://doi.org/10.1016/j.frl.2019.08.008) | [Finance research letters](https://scholar4ai.com/journals/finance-research-letters.md) | 2019-08-13 | Moritz Jünger, Mark Mietzner |
| 5 | 350 | 5.4 | [How does financial literacy impact on inclusive finance?](https://doi.org/10.1186/s40854-021-00259-9) | [Financial Innovation](https://scholar4ai.com/journals/financial-innovation.md) | 2021-06-03 | Morshadul Hasan, Thi Le, Ariful Hoque |

## Research ideas that follow this keyword

- [Financial literacy and crypto speculation](https://scholar4ai.com/ideas/financial-literacy-and-crypto-speculation.md)

## Cite this page

Scholar4AI. (2026). Papers on “financial literacy”. Journal and Conference Research Rankings. Retrieved November 3, 2026, from https://scholar4ai.com/keywords/financial-literacy

```bibtex
@misc{scholar4ai-keywords-financial-literacy,
  author = {{Scholar4AI}},
  title = {Papers on “financial literacy”},
  year = {2026},
  howpublished = {\url{https://scholar4ai.com/keywords/financial-literacy}},
  urldate = {2026-11-03},
  note = {Journal and Conference Research Rankings; data from OpenAlex (CC0); licensed CC BY-NC 4.0}
}
```

License: CC BY-NC 4.0 (https://creativecommons.org/licenses/by-nc/4.0/).