Purpose

The purpose of this study is to propose and validate a Financial Citizenship Perception Scale from the perspective of the citizen.

Design/methodology/approach

An instrument was applied in Brazil, whose dimensions and items were analyzed using exploratory and confirmatory factor analysis techniques and hierarchical cluster analysis.

Findings

The scale proposed in the study allows for the development of an indicator that defines whether an individual has a high or low level of financial citizenship, being represented by the dimensions of financial inclusion, financial protection and financial literacy.

Practical implications

The methodology for standardizing the application of the Financial Citizenship Perception Scale is presented to allow researchers, managers and public policy makers to use the indicator to assess citizens' perception of financial citizenship.

Originality/value

Financial citizenship is a recurring theme in the formulation of recommendations, standards and instructions by international organizations and central banks in different countries. However, the literature on the topic still focuses on proposing indicators of financial citizenship obtained from secondary data.

中文翻译：

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金融公民意识（FCP）量表：一项措施的提议和验证

目的

这项研究的目的是从公民的角度提出和验证金融公民意识量表。

设计/方法/方法

在巴西使用了一种仪器，该仪器的尺寸和项目使用探索性和验证性因素分析技术以及层次聚类分析进行了分析。

发现

该研究提出的量表允许制定一个指标，该指标定义个人是否具有较高或较低的财务公民身份，并以财务包容性，财务保护和财务素养的维度表示。

实际影响

介绍了标准化金融公民意识量表应用的方法，以允许研究人员，管理人员和公共政策制定者使用该指标评估公民对金融公民意识的看法。

创意/价值

在不同国家的国际组织和中央银行制定建议，标准和指示时，经常出现金融公民身份。但是，有关该主题的文献仍然侧重于提出从二级数据获得的金融公民身份的指标。