{"id":"https://openalex.org/W7128512812","doi":"https://doi.org/10.61132/moneter.v4i1.2050","title":"How Has Digital Transformation Reshaped Personal Financial Management Behavior Research?","display_name":"How Has Digital Transformation Reshaped Personal Financial Management Behavior Research?","publication_year":2026,"publication_date":"2026-01-31","ids":{"openalex":"https://openalex.org/W7128512812","doi":"https://doi.org/10.61132/moneter.v4i1.2050"},"language":"en","primary_location":{"id":"doi:10.61132/moneter.v4i1.2050","doi":"https://doi.org/10.61132/moneter.v4i1.2050","is_oa":true,"landing_page_url":"https://doi.org/10.61132/moneter.v4i1.2050","pdf_url":"https://journal.areai.or.id/index.php/Moneter/article/download/2050/1980","source":{"id":"https://openalex.org/S4404662886","display_name":"Moneter","issn_l":"3025-4663","issn":["3025-4663","3025-8073"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Moneter : Jurnal Ekonomi dan Keuangan","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://journal.areai.or.id/index.php/Moneter/article/download/2050/1980","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5125491764","display_name":"Nur Shafira Chairani","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I47689905","display_name":"Mulawarman University","ror":"https://ror.org/02kwq2y85","country_code":"ID","type":"education","lineage":["https://openalex.org/I47689905"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Nur Shafira Chairani","raw_affiliation_strings":["Universitas Mulawarman"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Mulawarman","institution_ids":["https://openalex.org/I47689905"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5125500600","display_name":"Nur Ainun Najwa","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I47689905","display_name":"Mulawarman University","ror":"https://ror.org/02kwq2y85","country_code":"ID","type":"education","lineage":["https://openalex.org/I47689905"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Nur Ainun Najwa","raw_affiliation_strings":["Universitas Mulawarman"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Mulawarman","institution_ids":["https://openalex.org/I47689905"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5125513211","display_name":"Suci Ameliya Kartika","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I47689905","display_name":"Mulawarman University","ror":"https://ror.org/02kwq2y85","country_code":"ID","type":"education","lineage":["https://openalex.org/I47689905"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Suci Ameliya Kartika","raw_affiliation_strings":["Universitas Mulawarman"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Mulawarman","institution_ids":["https://openalex.org/I47689905"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5117411840","display_name":"Muhammad Ramadhani Kesuma","orcid":"https://orcid.org/0009-0001-5816-5786","observed_orcids":["https://orcid.org/0009-0001-5816-5786","https://orcid.org/0000-0001-6162-7593"]},"institutions":[{"id":"https://openalex.org/I47689905","display_name":"Mulawarman University","ror":"https://ror.org/02kwq2y85","country_code":"ID","type":"education","lineage":["https://openalex.org/I47689905"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Muhammad Ramadhani Kesuma","raw_affiliation_strings":["Universitas Mulawarman"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Mulawarman","institution_ids":["https://openalex.org/I47689905"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I47689905"],"apc_list":null,"apc_paid":null,"fwci":62.3518,"has_fulltext":true,"cited_by_count":10,"citation_normalized_percentile":{"value":0.99923298,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":98,"max":99},"biblio":{"volume":"4","issue":"1","first_page":"85","last_page":"106"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.6425999999046326,"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"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.6425999999046326,"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"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.35109999775886536,"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.0010999999940395355,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/personal-financial-management","display_name":"personal finance management","score":0.9100000262260437},{"id":"https://openalex.org/keywords/digital-transformation","display_name":"digital transformation","score":0.9670000076293945},{"id":"https://openalex.org/keywords/financial-behavior","display_name":"financial behavior","score":0.621999979019165},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.7440000176429749},{"id":"https://openalex.org/keywords/budgeting","display_name":"budgeting","score":0.625},{"id":"https://openalex.org/keywords/saving-behavior","display_name":"saving behavior","score":0.843999981880188},{"id":"https://openalex.org/keywords/risk-taking","display_name":"risk-taking","score":0.5389999747276306},{"id":"https://openalex.org/keywords/self-efficacy","display_name":"self-efficacy","score":0.9229999780654907},{"id":"https://openalex.org/keywords/financial-attitude","display_name":"financial attitude","score":0.7509999871253967},{"id":"https://openalex.org/keywords/financial-well-being","display_name":"financial well-being","score":0.824999988079071},{"id":"https://openalex.org/keywords/financial-education","display_name":"financial education","score":0.7749999761581421},{"id":"https://openalex.org/keywords/financial-resilience","display_name":"financial resilience","score":0.5429999828338623},{"id":"https://openalex.org/keywords/research-trends","display_name":"research trends","score":0.47200000286102295}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.5564000010490417},{"id":"https://openalex.org/C137176749","wikidata":"https://www.wikidata.org/wiki/Q4105337","display_name":"Psychological resilience","level":2,"score":0.5270000100135803},{"id":"https://openalex.org/C83867959","wikidata":"https://www.wikidata.org/wiki/Q371467","display_name":"Scopus","level":3,"score":0.5199000239372253},{"id":"https://openalex.org/C74196892","wikidata":"https://www.wikidata.org/wiki/Q7781188","display_name":"Thematic analysis","level":3,"score":0.5116999745368958},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.4431000053882599},{"id":"https://openalex.org/C126082660","wikidata":"https://www.wikidata.org/wiki/Q4252370","display_name":"Digital transformation","level":2,"score":0.42399999499320984},{"id":"https://openalex.org/C27415008","wikidata":"https://www.wikidata.org/wiki/Q7256382","display_name":"Psychological intervention","level":2,"score":0.40869998931884766},{"id":"https://openalex.org/C2779585090","wikidata":"https://www.wikidata.org/wiki/Q3457762","display_name":"Resilience (materials science)","level":2,"score":0.3939000070095062},{"id":"https://openalex.org/C39549134","wikidata":"https://www.wikidata.org/wiki/Q133080","display_name":"Public relations","level":1,"score":0.3815999925136566},{"id":"https://openalex.org/C4554734","wikidata":"https://www.wikidata.org/wiki/Q593744","display_name":"Knowledge base","level":2,"score":0.37389999628067017},{"id":"https://openalex.org/C2776822937","wikidata":"https://www.wikidata.org/wiki/Q856335","display_name":"Bibliographic coupling","level":3,"score":0.36649999022483826},{"id":"https://openalex.org/C18762648","wikidata":"https://www.wikidata.org/wiki/Q42213","display_name":"Work (physics)","level":2,"score":0.34209999442100525},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.33809998631477356},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.31349998712539673},{"id":"https://openalex.org/C32896092","wikidata":"https://www.wikidata.org/wiki/Q189447","display_name":"Risk management","level":2,"score":0.3052000105381012},{"id":"https://openalex.org/C2522767166","wikidata":"https://www.wikidata.org/wiki/Q2374463","display_name":"Data science","level":1,"score":0.2987000048160553},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.2971000075340271},{"id":"https://openalex.org/C2777276756","wikidata":"https://www.wikidata.org/wiki/Q5196446","display_name":"Customer base","level":2,"score":0.2937999963760376},{"id":"https://openalex.org/C14224292","wikidata":"https://www.wikidata.org/wiki/Q13600188","display_name":"Conceptual framework","level":2,"score":0.2648000121116638},{"id":"https://openalex.org/C2777646416","wikidata":"https://www.wikidata.org/wiki/Q242069","display_name":"Digital literacy","level":2,"score":0.2635999917984009},{"id":"https://openalex.org/C1691868","wikidata":"https://www.wikidata.org/wiki/Q1811049","display_name":"Life course approach","level":2,"score":0.26030001044273376},{"id":"https://openalex.org/C173655357","wikidata":"https://www.wikidata.org/wiki/Q244752","display_name":"Digital divide","level":3,"score":0.26010000705718994},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.2574999928474426},{"id":"https://openalex.org/C2780323112","wikidata":"https://www.wikidata.org/wiki/Q2867027","display_name":"Personal life","level":2,"score":0.2558000087738037},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.2549000084400177}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.61132/moneter.v4i1.2050","doi":"https://doi.org/10.61132/moneter.v4i1.2050","is_oa":true,"landing_page_url":"https://doi.org/10.61132/moneter.v4i1.2050","pdf_url":"https://journal.areai.or.id/index.php/Moneter/article/download/2050/1980","source":{"id":"https://openalex.org/S4404662886","display_name":"Moneter","issn_l":"3025-4663","issn":["3025-4663","3025-8073"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Moneter : Jurnal Ekonomi dan Keuangan","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.61132/moneter.v4i1.2050","doi":"https://doi.org/10.61132/moneter.v4i1.2050","is_oa":true,"landing_page_url":"https://doi.org/10.61132/moneter.v4i1.2050","pdf_url":"https://journal.areai.or.id/index.php/Moneter/article/download/2050/1980","source":{"id":"https://openalex.org/S4404662886","display_name":"Moneter","issn_l":"3025-4663","issn":["3025-4663","3025-8073"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Moneter : Jurnal Ekonomi dan Keuangan","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7128512812.pdf","grobid_xml":"https://content.openalex.org/works/W7128512812.grobid-xml"},"referenced_works_count":44,"referenced_works":["https://openalex.org/W3012155456","https://openalex.org/W3040841600","https://openalex.org/W3047607737","https://openalex.org/W3112616245","https://openalex.org/W3122473978","https://openalex.org/W3139484922","https://openalex.org/W3156723272","https://openalex.org/W3160856016","https://openalex.org/W3172238853","https://openalex.org/W3190283454","https://openalex.org/W3212469196","https://openalex.org/W3213286644","https://openalex.org/W3215079675","https://openalex.org/W4210916393","https://openalex.org/W4280548559","https://openalex.org/W4283382162","https://openalex.org/W4284969064","https://openalex.org/W4293152281","https://openalex.org/W4296168409","https://openalex.org/W4300427380","https://openalex.org/W4308340949","https://openalex.org/W4309569680","https://openalex.org/W4327617448","https://openalex.org/W4363625431","https://openalex.org/W4380924864","https://openalex.org/W4382241293","https://openalex.org/W4387895989","https://openalex.org/W4391690862","https://openalex.org/W4405120352","https://openalex.org/W4405653616","https://openalex.org/W4405861347","https://openalex.org/W4408527928","https://openalex.org/W4410029167","https://openalex.org/W4411357412","https://openalex.org/W4412098547","https://openalex.org/W4415758607","https://openalex.org/W4416592220","https://openalex.org/W4416937222","https://openalex.org/W7114765641","https://openalex.org/W7114910943","https://openalex.org/W7115891189","https://openalex.org/W7117463155","https://openalex.org/W7117892218","https://openalex.org/W7117896450"],"related_works":["https://openalex.org/W4402377216","https://openalex.org/W7143949177","https://openalex.org/W7124712240","https://openalex.org/W4285113274","https://openalex.org/W7211940354","https://openalex.org/W4405861347","https://openalex.org/W7154295784","https://openalex.org/W7217387321","https://openalex.org/W7087685320","https://openalex.org/W7127931135"],"abstract_inverted_index":{"Personal":[0],"financial":[1,183],"management":[2],"behavior":[3],"has":[4],"gained":[5],"prominence":[6],"amid":[7],"economic":[8],"globalization,":[9],"digital":[10,94,174],"transformation,":[11],"and":[12,21,38,67,76,96,106,115,120,129,172,185,197],"crisis-induced":[13],"shifts":[14],"that":[15],"reshape":[16],"individual":[17,188],"decision-making,":[18],"budgeting,":[19],"saving,":[20],"risk":[22],"practices.":[23,207],"This":[24,193],"study":[25],"conducts":[26],"a":[27,80,163],"comprehensive":[28],"bibliometric":[29],"analysis":[30,60],"to":[31,57,93,109,178,203],"chart":[32],"the":[33,52,59,126],"intellectual":[34,143],"structure,":[35],"growth":[36],"patterns,":[37],"future":[39],"orientations":[40],"of":[41],"research":[42],"in":[43,83,125,158,169,190,199],"this":[44],"domain.":[45],"Drawing":[46],"on":[47,74,118],"312":[48],"English-language":[49],"publications":[50],"from":[51,103],"Scopus":[53],"database":[54],"spanning":[55],"2000":[56],"2024,":[58],"employs":[61],"VOSviewer":[62],"for":[63,182],"co-authorship,":[64],"keyword":[65],"co-occurrence,":[66],"co-citation":[68],"mapping,":[69],"complemented":[70],"by":[71,90,161],"performance":[72],"metrics":[73],"trends":[75],"productivity.":[77],"Findings":[78],"reveal":[79],"marked":[81],"acceleration":[82],"scholarly":[84],"output,":[85],"particularly":[86],"after":[87],"2020,":[88],"driven":[89],"heightened":[91],"attention":[92],"tools":[95],"resilience":[97,189],"factors.":[98],"Thematic":[99],"clusters":[100],"highlight":[101],"progression":[102],"foundational":[104],"literacy":[105],"demographic":[107],"influences":[108],"psychological":[110],"mediators":[111],"(e.g.,":[112],"self-efficacy,":[113],"attitudes)":[114],"outcomes":[116],"centered":[117],"well-being":[119],"socialization.":[121],"Geographic":[122],"contributions":[123],"concentrate":[124],"United":[127],"States":[128],"Indonesia,":[130],"with":[131,148],"strong":[132],"Asia-Pacific":[133],"networks,":[134],"while":[135],"productive":[136],"authors":[137],"form":[138],"specialized":[139],"collaborative":[140],"hubs.":[141],"The":[142],"base":[144],"integrates":[145],"behavioral":[146],"frameworks":[147],"empirical":[149],"applications,":[150],"underscoring":[151],"interdisciplinary":[152],"depth.":[153],"These":[154],"insights":[155],"address":[156],"fragmentation":[157],"prior":[159],"work":[160],"providing":[162],"unified":[164],"knowledge":[165],"map,":[166],"revealing":[167],"gaps":[168],"cross-cultural":[170],"integration":[171],"dynamic":[173],"modeling.":[175],"Implications":[176],"extend":[177],"guiding":[179],"targeted":[180],"interventions":[181],"education":[184],"policy,":[186],"fostering":[187],"volatile":[191],"environments.":[192],"synthesis":[194],"supports":[195],"scholars":[196],"practitioners":[198],"advancing":[200],"evidence-based":[201],"approaches":[202],"sustainable":[204],"personal":[205],"finance":[206]},"counts_by_year":[{"year":2026,"cited_by_count":10}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2026-02-11T00:00:00"}