{"id":"https://openalex.org/W7204144164","doi":"https://doi.org/10.1080/23311886.2026.2720366","title":"Navigating financial anxiety: Gen Z women in the digital era","display_name":"Navigating financial anxiety: Gen Z women in the digital era","publication_year":2026,"publication_date":"2026-08-24","ids":{"openalex":"https://openalex.org/W7204144164","doi":"https://doi.org/10.1080/23311886.2026.2720366"},"language":"en","primary_location":{"id":"doi:10.1080/23311886.2026.2720366","doi":"https://doi.org/10.1080/23311886.2026.2720366","is_oa":true,"landing_page_url":"https://doi.org/10.1080/23311886.2026.2720366","pdf_url":"https://www.tandfonline.com/doi/pdf/10.1080/23311886.2026.2720366?needAccess=true","source":{"id":"https://openalex.org/S2737998943","display_name":"Cogent Social Sciences","issn_l":"2331-1886","issn":["2331-1886"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["cwts-core","doaj","norway-1"],"host_organization":"https://openalex.org/P4310311767","host_organization_name":"Cogent OA","host_organization_lineage":["https://openalex.org/P4310311767"],"host_organization_lineage_names":["Cogent OA"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Cogent Social Sciences","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://www.tandfonline.com/doi/pdf/10.1080/23311886.2026.2720366?needAccess=true","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5093044447","display_name":"Khwanchol Hasayotin","orcid":"https://orcid.org/0009-0001-9777-9481","observed_orcids":["https://orcid.org/0009-0001-9777-9481","https://orcid.org/0009-0003-7557-8261"]},"institutions":[{"id":"https://openalex.org/I76920116","display_name":"Srinakharinwirot University","ror":"https://ror.org/04718hx42","country_code":"TH","type":"education","lineage":["https://openalex.org/I76920116"]}],"countries":["TH"],"is_corresponding":true,"raw_author_name":"Khwanchol Hasayotin","raw_affiliation_strings":["Faculty of Economics, Srinakharinwirot University"],"raw_orcid":"https://orcid.org/0009-0003-7557-8261","affiliations":[{"raw_affiliation_string":"Faculty of Economics, Srinakharinwirot University","institution_ids":["https://openalex.org/I76920116"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5093044447"],"corresponding_institution_ids":["https://openalex.org/I76920116"],"apc_list":{"value":950,"currency":"GBP","value_usd":1165},"apc_paid":{"value":950,"currency":"GBP","value_usd":1165},"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.62644671,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"12","issue":"1","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.7660999894142151,"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":0.7660999894142151,"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":0.21570000052452087,"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.013100000098347664,"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/financial-anxiety","display_name":"financial anxiety","score":0.9860000014305115},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.7850000262260437},{"id":"https://openalex.org/keywords/generation-z-women","display_name":"Generation Z women","score":0.8360000252723694},{"id":"https://openalex.org/keywords/digital-financial-services","display_name":"digital financial services","score":0.9810000061988831},{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.7369999885559082},{"id":"https://openalex.org/keywords/financial-well-being","display_name":"financial well-being","score":0.9919999837875366},{"id":"https://openalex.org/keywords/gig-economy","display_name":"gig economy","score":0.8930000066757202},{"id":"https://openalex.org/keywords/inflation","display_name":"inflation","score":0.7789999842643738},{"id":"https://openalex.org/keywords/currency-fluctuations","display_name":"currency fluctuations","score":0.6159999966621399},{"id":"https://openalex.org/keywords/digital-literacy","display_name":"digital literacy","score":0.7860000133514404},{"id":"https://openalex.org/keywords/financial-education","display_name":"financial education","score":0.6420000195503235},{"id":"https://openalex.org/keywords/peer-influence","display_name":"peer influence","score":0.550000011920929},{"id":"https://openalex.org/keywords/information-overload","display_name":"information overload","score":0.6790000200271606}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.6651999950408936},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.6022999882698059},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.578000009059906},{"id":"https://openalex.org/C196187386","wikidata":"https://www.wikidata.org/wiki/Q1050187","display_name":"Sociocultural evolution","level":2,"score":0.5496000051498413},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5364999771118164},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.4846000075340271},{"id":"https://openalex.org/C141121606","wikidata":"https://www.wikidata.org/wiki/Q8142","display_name":"Currency","level":2,"score":0.4291999936103821},{"id":"https://openalex.org/C190248442","wikidata":"https://www.wikidata.org/wiki/Q839486","display_name":"Qualitative research","level":2,"score":0.40130001306533813},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.39730000495910645},{"id":"https://openalex.org/C196390999","wikidata":"https://www.wikidata.org/wiki/Q11655436","display_name":"Indirect finance","level":3,"score":0.3871000111103058},{"id":"https://openalex.org/C48220719","wikidata":"https://www.wikidata.org/wiki/Q10836209","display_name":"Digital currency","level":3,"score":0.38339999318122864},{"id":"https://openalex.org/C2778300220","wikidata":"https://www.wikidata.org/wiki/Q114380","display_name":"Financial crisis","level":2,"score":0.3686999976634979},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.35670000314712524},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.3499999940395355},{"id":"https://openalex.org/C65146658","wikidata":"https://www.wikidata.org/wiki/Q1416431","display_name":"Financial intermediary","level":2,"score":0.34860000014305115},{"id":"https://openalex.org/C510755694","wikidata":"https://www.wikidata.org/wiki/Q281095","display_name":"Financial regulation","level":2,"score":0.336899995803833},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.33059999346733093},{"id":"https://openalex.org/C19244329","wikidata":"https://www.wikidata.org/wiki/Q208697","display_name":"Financial market","level":2,"score":0.32919999957084656},{"id":"https://openalex.org/C103565092","wikidata":"https://www.wikidata.org/wiki/Q159421","display_name":"Savings account","level":2,"score":0.3172999918460846},{"id":"https://openalex.org/C87156501","wikidata":"https://www.wikidata.org/wiki/Q7268708","display_name":"Qualitative property","level":2,"score":0.31470000743865967},{"id":"https://openalex.org/C191654821","wikidata":"https://www.wikidata.org/wiki/Q247506","display_name":"Financial instrument","level":2,"score":0.30250000953674316},{"id":"https://openalex.org/C114118609","wikidata":"https://www.wikidata.org/wiki/Q3036837","display_name":"Market data","level":2,"score":0.2978000044822693},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.29490000009536743},{"id":"https://openalex.org/C30772137","wikidata":"https://www.wikidata.org/wiki/Q5164762","display_name":"Consumption (sociology)","level":2,"score":0.28360000252723694},{"id":"https://openalex.org/C2777064627","wikidata":"https://www.wikidata.org/wiki/Q3151423","display_name":"Financial innovation","level":2,"score":0.2833999991416931},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.2734000086784363},{"id":"https://openalex.org/C558461103","wikidata":"https://www.wikidata.org/wiki/Q154430","display_name":"Anxiety","level":2,"score":0.2709999978542328},{"id":"https://openalex.org/C48235672","wikidata":"https://www.wikidata.org/wiki/Q17076708","display_name":"Geography of finance","level":3,"score":0.26089999079704285},{"id":"https://openalex.org/C70179600","wikidata":"https://www.wikidata.org/wiki/Q1416547","display_name":"Financial plan","level":2,"score":0.25589999556541443},{"id":"https://openalex.org/C62625199","wikidata":"https://www.wikidata.org/wiki/Q7551403","display_name":"Social studies of finance","level":2,"score":0.25459998846054077},{"id":"https://openalex.org/C203043789","wikidata":"https://www.wikidata.org/wiki/Q138461","display_name":"Digital economy","level":2,"score":0.2533999979496002},{"id":"https://openalex.org/C3018804484","wikidata":"https://www.wikidata.org/wiki/Q10294","display_name":"Low income","level":2,"score":0.25119999051094055}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1080/23311886.2026.2720366","doi":"https://doi.org/10.1080/23311886.2026.2720366","is_oa":true,"landing_page_url":"https://doi.org/10.1080/23311886.2026.2720366","pdf_url":"https://www.tandfonline.com/doi/pdf/10.1080/23311886.2026.2720366?needAccess=true","source":{"id":"https://openalex.org/S2737998943","display_name":"Cogent Social Sciences","issn_l":"2331-1886","issn":["2331-1886"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["cwts-core","doaj","norway-1"],"host_organization":"https://openalex.org/P4310311767","host_organization_name":"Cogent OA","host_organization_lineage":["https://openalex.org/P4310311767"],"host_organization_lineage_names":["Cogent OA"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Cogent Social Sciences","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:c97db9a123d44678b38a1867dc3f690c","doi":null,"is_oa":false,"landing_page_url":"https://doaj.org/article/c97db9a123d44678b38a1867dc3f690c","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"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":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Cogent Social Sciences, Vol 12, Iss 1 (2026)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1080/23311886.2026.2720366","doi":"https://doi.org/10.1080/23311886.2026.2720366","is_oa":true,"landing_page_url":"https://doi.org/10.1080/23311886.2026.2720366","pdf_url":"https://www.tandfonline.com/doi/pdf/10.1080/23311886.2026.2720366?needAccess=true","source":{"id":"https://openalex.org/S2737998943","display_name":"Cogent Social Sciences","issn_l":"2331-1886","issn":["2331-1886"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["cwts-core","doaj","norway-1"],"host_organization":"https://openalex.org/P4310311767","host_organization_name":"Cogent OA","host_organization_lineage":["https://openalex.org/P4310311767"],"host_organization_lineage_names":["Cogent OA"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Cogent Social Sciences","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.6025999784469604,"display_name":"Gender equality","id":"https://metadata.un.org/sdg/5"},{"score":0.42010000348091125,"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8"}],"sustainable_development_goals_aurora":[{"score":0.8453938364982605,"display_name":"Quality education","id":"https://metadata.un.org/sdg/4"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7204144164.pdf","grobid_xml":"https://content.openalex.org/works/W7204144164.grobid-xml"},"referenced_works_count":31,"referenced_works":["https://openalex.org/W1791587663","https://openalex.org/W1979290264","https://openalex.org/W2021084370","https://openalex.org/W2034066037","https://openalex.org/W2044566869","https://openalex.org/W2100379340","https://openalex.org/W2115199709","https://openalex.org/W2129660502","https://openalex.org/W2314000390","https://openalex.org/W2953876547","https://openalex.org/W2996687587","https://openalex.org/W3011865677","https://openalex.org/W3104615402","https://openalex.org/W3121924928","https://openalex.org/W3123374861","https://openalex.org/W3125976894","https://openalex.org/W3160499562","https://openalex.org/W4239844765","https://openalex.org/W4289321244","https://openalex.org/W4304172653","https://openalex.org/W4323074366","https://openalex.org/W4389628042","https://openalex.org/W4391888742","https://openalex.org/W4393199270","https://openalex.org/W4400154528","https://openalex.org/W4406829529","https://openalex.org/W4407938937","https://openalex.org/W4408953936","https://openalex.org/W4409811821","https://openalex.org/W4414554009","https://openalex.org/W4415927195"],"related_works":[],"abstract_inverted_index":{"This":[0],"qualitative":[1],"study":[2,36,167],"examines":[3],"the":[4,35,65,128,138,154,172],"relationships":[5],"among":[6,19],"financial":[7,9,14,17,89,97,106,121,132,162,174,184],"literacy,":[8,98],"anxiety,":[10],"adoption":[11],"of":[12,131,141,156,176],"digital":[13,77,120],"services,":[15],"and":[16,45,52,64,79,108,116,134,150,153,158,164,180,188],"well-being":[18],"Generation":[20],"Z":[21],"women":[22,40,179],"in":[23,143],"Thailand.":[24],"Drawing":[25],"on":[26,161,171],"in-depth":[27],"interviews":[28],"with":[29,119],"25":[30],"participants":[31],"aged":[32],"19\u201327":[33],"years,":[34],"explores":[37],"how":[38],"young":[39,177],"navigate":[41],"inflationary":[42],"pressure,":[43,110],"employment":[44],"income":[46,103],"precarity,":[47],"gig-economy":[48],"work,":[49],"currency":[50],"fluctuations,":[51],"rapidly":[53],"expanding":[54],"FinTech":[55,81,142,190],"services.":[56],"Data":[57],"were":[58,125],"analyzed":[59],"thematically":[60],"using":[61],"behavioral":[62],"finance":[63],"Technology":[66],"Acceptance":[67],"Model":[68],"as":[69,111,113],"sensitizing":[70],"frameworks.":[71],"The":[72,166],"findings":[73],"show":[74],"that":[75],"high":[76],"literacy":[78],"frequent":[80],"use":[82],"did":[83],"not":[84],"necessarily":[85],"translate":[86],"into":[87],"strong":[88],"capability":[90],"or":[91],"lower":[92],"anxiety.":[93],"Participants":[94],"reported":[95],"moderate":[96],"persistent":[99],"anxiety":[100],"linked":[101],"to":[102],"volatility,":[104],"limited":[105],"education,":[107,185],"sociocultural":[109],"well":[112],"both":[114],"empowering":[115],"overwhelming":[117],"experiences":[118,175],"platforms.":[122],"Three":[123],"themes":[124],"especially":[126],"salient:":[127],"psychological":[129],"burden":[130],"uncertainty":[133],"associated":[135],"avoidance":[136],"behaviors;":[137],"dual-edged":[139],"role":[140],"increasing":[144],"convenience":[145],"while":[146],"intensifying":[147],"information":[148],"overload":[149],"spending":[151],"pressure;":[152],"influence":[155],"peers":[157],"social":[159],"networks":[160],"attitudes":[163],"behavior.":[165],"contributes":[168],"context-specific":[169],"evidence":[170],"gendered":[173],"Thai":[178],"offers":[181],"implications":[182],"for":[183],"consumer":[186],"protection,":[187],"responsible":[189],"design.":[191]},"counts_by_year":[],"updated_date":"2026-09-25T08:18:29.962427","created_date":"2026-08-25T00:00:00"}