Purpose

This paper aims to apply a multidimensional approach to assessing the financial well-being of European countries.

Design/methodology/approach

Financial well-being is a very complex phenomenon to measure because it is composed of different dimensions. Therefore, this paper uses a multidimensional and fuzzy methodology to assess financial well-being in Europe. The financial well-being fuzzy indicator was calculated using European Quality of Life Survey data.

Findings

Financial well-being is heterogeneous across European countries. This evidence is confirmed both at the level of overall financial well-being and at the level of sub-indices. The degree of financial well-being is not directly related to wealth as traditionally measured (i.e. GDP), but shows some correspondence with socio-economic characteristics of the population and with governance and cultural elements of a country.

Practical implications

Understanding financial well-being could help financial institutions to transition from a one-size-fits-all approach to a more tailored approach when they provide financial services and could help policy makers to consider financial well-being when they decide how and where to allocate public spending.

Originality/value

To the best of authors’ knowledge, this study is the first to employ a fuzzy methodology for the analysis of financial well-being in Europe.

中文翻译：

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使用模糊集方法衡量欧洲的财务状况

目的

本文旨在采用一种多维方法来评估欧洲国家的财务状况。

设计/方法/方法

财务幸福感是一个非常复杂的衡量指标，因为它由不同的维度组成。因此，本文使用多维和模糊的方法来评估欧洲的财务状况。使用欧洲生活质量调查数据计算财务状况模糊指标。

发现

欧洲国家的财务状况不尽相同。总体财务状况和分项指数均证实了这一证据。金融福祉的程度与传统上衡量的财富（即GDP）并不直接相关，而是与人口的社会经济特征以及一国的治理和文化因素相对应。

实际影响

了解金融福利可以帮助金融机构在提供金融服务时从一种千篇一律的方法过渡到更量身定制的方法，并且可以帮助决策者在决定如何以及在何处进行分配时考虑金融福利。公共开支。

创意/价值

据作者所知，该研究是首次采用模糊方法对欧洲的财务状况进行分析。