I am delighted to be asked to give the Colston Warne Lecture at the American Council on
Consumer Interests annual conference. What I want to cover in this lecture is what I consider …

Financial behavior is a means by which a person treats, manages, and uses available
financial resources. This research aims to determine the effect of financial literacy and the …

This lecture considers the case for consumer financial regulation in an environment where
many households lack the knowledge to manage their financial affairs effectively. The …

Financial literacy research focuses on why, how, and when people acquire financial
knowledge, shape their financial attitudes, and adapt their financial behaviors. The literature …

Purpose The purpose of this study is to demonstrate how alertness enable small and
medium scale enterprise (SME) owners to leverage their individual entrepreneurial …

Financial inclusion has become a policy priority. For many countries, this has meant
focusing on the delivery and practical aspects of financial products and services. This paper …

We find that people with higher confidence in their own financial literacy are less likely to
seek financial advice, but no relation between objective measures of literacy and advice …

Low financial literacy will have an impact on making decisions in daily life. Making wrong
decisions will end in poor and ineffective economic management that can lead to financial …

Using a representative online panel from the United States, we examine how individuals'
macroeconomic expectations causally affect their personal economic prospects and their …

Abstract Globally, 1.7 billion adults still lack access to formal financial services, with a large
percentage living in South Asia and Sub-Saharan Africa. Current financial inclusion …