{"id":"https://openalex.org/W4414824882","doi":"https://doi.org/10.1016/j.eap.2025.10.009","title":"The impact of digital finance on households\u2019 financial literacy","display_name":"The impact of digital finance on households\u2019 financial literacy","publication_year":2025,"publication_date":"2025-10-04","ids":{"openalex":"https://openalex.org/W4414824882","doi":"https://doi.org/10.1016/j.eap.2025.10.009"},"language":"en","primary_location":{"id":"doi:10.1016/j.eap.2025.10.009","doi":"https://doi.org/10.1016/j.eap.2025.10.009","is_oa":false,"landing_page_url":"https://doi.org/10.1016/j.eap.2025.10.009","pdf_url":null,"source":{"id":"https://openalex.org/S2898574612","display_name":"Economic Analysis and Policy","issn_l":"0313-5926","issn":["0313-5926","2204-2296"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","jufo-1","norway-1","poland-70","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Economic Analysis and Policy","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"Dongsong Cai","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I194450716","display_name":"Jilin University","ror":"https://ror.org/00js3aw79","country_code":"CN","type":"education","lineage":["https://openalex.org/I194450716"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Dongsong Cai","raw_affiliation_strings":["School of Business and Management, Jilin University, Changchun, 130012, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Business and Management, Jilin University, Changchun, 130012, China","institution_ids":["https://openalex.org/I194450716"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5092972631","display_name":"Junhao Kou","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I194450716","display_name":"Jilin University","ror":"https://ror.org/00js3aw79","country_code":"CN","type":"education","lineage":["https://openalex.org/I194450716"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Junhao Kou","raw_affiliation_strings":["Northeast Asian Studies College, Jilin University, Changchun, 130012, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Northeast Asian Studies College, Jilin University, Changchun, 130012, China","institution_ids":["https://openalex.org/I194450716"]}]},{"author_position":"last","author":{"id":null,"display_name":"Yao He","orcid":"https://orcid.org/0009-0007-8237-1153","observed_orcids":["https://orcid.org/0009-0007-8237-1153"]},"institutions":[{"id":"https://openalex.org/I58995867","display_name":"Civil Aviation Flight University of China","ror":"https://ror.org/01xyb1v19","country_code":"CN","type":"education","lineage":["https://openalex.org/I58995867"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Yao He","raw_affiliation_strings":["Civil Aviation Flight University of China, Sichuan, 618300, China"],"raw_orcid":"https://orcid.org/0009-0007-8237-1153","affiliations":[{"raw_affiliation_string":"Civil Aviation Flight University of China, Sichuan, 618300, China","institution_ids":["https://openalex.org/I58995867"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I58995867"],"apc_list":{"value":2890,"currency":"USD","value_usd":2890},"apc_paid":null,"fwci":5.5124,"has_fulltext":false,"cited_by_count":8,"citation_normalized_percentile":{"value":0.95906169,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":99},"biblio":{"volume":"88","issue":null,"first_page":"687","last_page":"704"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.5429999828338623,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.5429999828338623,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.396699994802475,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.0414000004529953,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-finance","display_name":"digital finance","score":1.0},{"id":"https://openalex.org/keywords/household-financial-literacy","display_name":"household financial literacy","score":0.8759999871253967},{"id":"https://openalex.org/keywords/hands-on-learning","display_name":"hands-on learning","score":0.9049999713897705},{"id":"https://openalex.org/keywords/digital-financial-inclusion","display_name":"digital financial inclusion","score":0.8199999928474426},{"id":"https://openalex.org/keywords/dynamic-general-equilibrium-model","display_name":"dynamic general equilibrium model","score":0.8209999799728394},{"id":"https://openalex.org/keywords/digital-financial-services","display_name":"digital financial services","score":0.652999997138977},{"id":"https://openalex.org/keywords/household-economic-behavior","display_name":"household economic behavior","score":0.5139999985694885},{"id":"https://openalex.org/keywords/china-household-finance-survey","display_name":"China Household Finance Survey","score":0.824999988079071}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.8238000273704529},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.6074000000953674},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.6053000092506409},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5349000096321106},{"id":"https://openalex.org/C2778705799","wikidata":"https://www.wikidata.org/wiki/Q2823610","display_name":"Financial asset","level":2,"score":0.4805000126361847},{"id":"https://openalex.org/C2776943663","wikidata":"https://www.wikidata.org/wiki/Q165687","display_name":"Human capital","level":2,"score":0.4772000014781952},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.47380000352859497},{"id":"https://openalex.org/C76178495","wikidata":"https://www.wikidata.org/wiki/Q4808784","display_name":"Asset (computer security)","level":2,"score":0.4377000033855438},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.43709999322891235},{"id":"https://openalex.org/C196390999","wikidata":"https://www.wikidata.org/wiki/Q11655436","display_name":"Indirect finance","level":3,"score":0.4104999899864197},{"id":"https://openalex.org/C19244329","wikidata":"https://www.wikidata.org/wiki/Q208697","display_name":"Financial market","level":2,"score":0.37929999828338623},{"id":"https://openalex.org/C2780801425","wikidata":"https://www.wikidata.org/wiki/Q5164392","display_name":"Construct (python library)","level":2,"score":0.37459999322891235},{"id":"https://openalex.org/C191654821","wikidata":"https://www.wikidata.org/wiki/Q247506","display_name":"Financial instrument","level":2,"score":0.3483000099658966},{"id":"https://openalex.org/C65146658","wikidata":"https://www.wikidata.org/wiki/Q1416431","display_name":"Financial intermediary","level":2,"score":0.3474000096321106},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.34279999136924744},{"id":"https://openalex.org/C114118609","wikidata":"https://www.wikidata.org/wiki/Q3036837","display_name":"Market data","level":2,"score":0.3370000123977661},{"id":"https://openalex.org/C48235672","wikidata":"https://www.wikidata.org/wiki/Q17076708","display_name":"Geography of finance","level":3,"score":0.33410000801086426},{"id":"https://openalex.org/C2777267654","wikidata":"https://www.wikidata.org/wiki/Q3519023","display_name":"Test (biology)","level":2,"score":0.33009999990463257},{"id":"https://openalex.org/C2780082420","wikidata":"https://www.wikidata.org/wiki/Q4672483","display_name":"Access to finance","level":2,"score":0.3271999955177307},{"id":"https://openalex.org/C44750222","wikidata":"https://www.wikidata.org/wiki/Q1897397","display_name":"Financial capital","level":3,"score":0.31540000438690186},{"id":"https://openalex.org/C6422946","wikidata":"https://www.wikidata.org/wiki/Q857354","display_name":"Panel data","level":2,"score":0.31049999594688416},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.3070000112056732},{"id":"https://openalex.org/C23925645","wikidata":"https://www.wikidata.org/wiki/Q5449731","display_name":"Financial modeling","level":2,"score":0.2939000129699707},{"id":"https://openalex.org/C2777382242","wikidata":"https://www.wikidata.org/wiki/Q6017816","display_name":"Index (typography)","level":2,"score":0.29350000619888306},{"id":"https://openalex.org/C96250715","wikidata":"https://www.wikidata.org/wiki/Q965330","display_name":"Estimation","level":2,"score":0.2881999909877777},{"id":"https://openalex.org/C198477413","wikidata":"https://www.wikidata.org/wiki/Q7647069","display_name":"Survey data collection","level":2,"score":0.28279998898506165},{"id":"https://openalex.org/C143910263","wikidata":"https://www.wikidata.org/wiki/Q750458","display_name":"Capital market","level":2,"score":0.2809000015258789},{"id":"https://openalex.org/C98014903","wikidata":"https://www.wikidata.org/wiki/Q832161","display_name":"Financial ratio","level":2,"score":0.2754000127315521},{"id":"https://openalex.org/C2777064627","wikidata":"https://www.wikidata.org/wiki/Q3151423","display_name":"Financial innovation","level":2,"score":0.275299996137619},{"id":"https://openalex.org/C83646750","wikidata":"https://www.wikidata.org/wiki/Q193893","display_name":"Capital (architecture)","level":2,"score":0.26759999990463257},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.265500009059906},{"id":"https://openalex.org/C71199308","wikidata":"https://www.wikidata.org/wiki/Q2990807","display_name":"Accounting management","level":3,"score":0.2651999890804291},{"id":"https://openalex.org/C166052673","wikidata":"https://www.wikidata.org/wiki/Q83021","display_name":"Empirical evidence","level":2,"score":0.2630000114440918},{"id":"https://openalex.org/C67616677","wikidata":"https://www.wikidata.org/wiki/Q657107","display_name":"Financial econometrics","level":4,"score":0.2621000111103058},{"id":"https://openalex.org/C2777747085","wikidata":"https://www.wikidata.org/wiki/Q5449743","display_name":"Financial sector development","level":3,"score":0.25529998540878296},{"id":"https://openalex.org/C103382277","wikidata":"https://www.wikidata.org/wiki/Q282640","display_name":"General equilibrium theory","level":2,"score":0.2549999952316284},{"id":"https://openalex.org/C191935318","wikidata":"https://www.wikidata.org/wiki/Q148","display_name":"China","level":2,"score":0.2540999948978424},{"id":"https://openalex.org/C547764534","wikidata":"https://www.wikidata.org/wiki/Q8236","display_name":"Literacy","level":2,"score":0.2515999972820282}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1016/j.eap.2025.10.009","doi":"https://doi.org/10.1016/j.eap.2025.10.009","is_oa":false,"landing_page_url":"https://doi.org/10.1016/j.eap.2025.10.009","pdf_url":null,"source":{"id":"https://openalex.org/S2898574612","display_name":"Economic Analysis and Policy","issn_l":"0313-5926","issn":["0313-5926","2204-2296"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","jufo-1","norway-1","poland-70","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Economic Analysis and Policy","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/1","display_name":"No poverty","score":0.41670000553131104}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":35,"referenced_works":["https://openalex.org/W77927906","https://openalex.org/W219090205","https://openalex.org/W2128712523","https://openalex.org/W2153697104","https://openalex.org/W2161918707","https://openalex.org/W2166096872","https://openalex.org/W2167825607","https://openalex.org/W2809844806","https://openalex.org/W2888291642","https://openalex.org/W2912389830","https://openalex.org/W2973338680","https://openalex.org/W2978843909","https://openalex.org/W3006968904","https://openalex.org/W3033708739","https://openalex.org/W3121521941","https://openalex.org/W3122992687","https://openalex.org/W3123231910","https://openalex.org/W3123352023","https://openalex.org/W3123886011","https://openalex.org/W3125685058","https://openalex.org/W3126062738","https://openalex.org/W3135821415","https://openalex.org/W3156610263","https://openalex.org/W3194026529","https://openalex.org/W3194688642","https://openalex.org/W4226138128","https://openalex.org/W4294958198","https://openalex.org/W4311764512","https://openalex.org/W4379931213","https://openalex.org/W4380367464","https://openalex.org/W4380758410","https://openalex.org/W4385824872","https://openalex.org/W4386600492","https://openalex.org/W4386646939","https://openalex.org/W4388754742"],"related_works":["https://openalex.org/W4386646939","https://openalex.org/W3118676429","https://openalex.org/W7172404283","https://openalex.org/W7107865116","https://openalex.org/W7162288392","https://openalex.org/W4414445333","https://openalex.org/W4411161023","https://openalex.org/W4393865723","https://openalex.org/W7166776559","https://openalex.org/W7214635911"],"abstract_inverted_index":null,"counts_by_year":[{"year":2026,"cited_by_count":7},{"year":2025,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2025-10-10T00:00:00"}
