Purpose

Numerous exploratory, conceptual and empirical enquiries on financial behaviour and literacy have been conducted in the areas of economics, finance, business and management. However, no attempt was made to present a comprehensive science mapping of the area so far. Hence, the study intends to elicit the trend in the research field through synthesis of knowledge structures.

Design/methodology/approach

Bibliometric analysis in the field of financial literacy and financial behaviour was performed on a sample of 1,138 documents based on a scientific search strategy run on the Web of Science database for the period 1985–2020. Biblioshiny, which is a web-based application included in Bibliometrix package developed in R-language (Ariaa and Cuccurullo, 2017), was used for the study. With the help of automated workflow in the software, prominent journals, authors, countries, articles, themes were identified; and citation, co-citation and social network analysis were conducted.

Findings

Results show that the themes of financial literacy and financial behaviour have evolved over a period of time as an interdisciplinary field. In the initial stages, researchers focused on demographic and socio-economic determinants, but gradually the field embraced topics like behavioural and psychological constructs influencing financial behaviour. Along with conceptual structure, this research reveals the intellectual and social structure of the domain. This study provides important insights on areas that need further investigation.

Research limitations/implications

The current research is a bibliometric analysis and hence limitations related to such studies are applicable. For future researchers to derive a strong conceptual framework, a systematic review of literature would be helpful. Science mapping for this study is limited to the Web of Science database owing to its wider coverage of good quality journals, structured formats which are compatible with the Bibliometrix software.

Practical implications

The current study provides important insights on financial literacy and financial behaviour and their inter-linkages. It highlights the most addressed issues in the area and leads towards the prospective areas for research. It informs the future researchers about the emergent themes, contexts and possibilities of collaborations in this area by revealing social and intellectual structure of the domain.

Social implications

The paper can provide important insights for policy formulation in the areas of financial education and literacy.

Originality/value

There has been lot of conceptual and empirical work done in the past, across countries, spanning the disciplines such as economics, finance, psychology and consumer behaviour. A major contribution of this study is that it consolidates fragmented literature in the area, highlights significant sources, authors and documents, while exploring the relation between financial literacy and financial behaviour.

中文翻译：

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金融知识和金融行为：文献计量分析

目的

在经济、金融、商业和管理领域进行了大量关于金融行为和素养的探索性、概念性和实证性调查。然而，到目前为止，还没有尝试对该地区进行全面的科学测绘。因此，本研究旨在通过知识结构的综合来引出研究领域的趋势。

设计/方法/方法

基于 1985-2020 年期间在 Web of Science 数据库上运行的科学搜索策略，对 1,138 份文档样本进行了金融知识和金融行为领域的文献计量分析。Biblioshiny 是一个基于 Web 的应用程序，包含在以R语言开发的 Bibliometrix 包中（Ariaa 和 Cuccurullo，2017 年），用于研究。借助软件中的自动化工作流程，识别出著名的期刊、作者、国家、文章、主题；并进行了被引、共被引和社交网络分析。

发现

结果表明，金融知识和金融行为的主题已经作为一个跨学科领域在一段时间内演变。在最初阶段，研究人员专注于人口和社会经济决定因素，但逐渐该领域接受了诸如影响金融行为的行为和心理结构等主题。除了概念结构，这项研究还揭示了该领域的知识和社会结构。这项研究为需要进一步调查的领域提供了重要的见解。

研究限制/影响

目前的研究是文献计量分析，因此与此类研究相关的限制是适用的。为了让未来的研究人员得出一个强有力的概念框架，对文献进行系统回顾会有所帮助。本研究的科学映射仅限于 Web of Science 数据库，因为它覆盖了更广泛的优质期刊、与 Bibliometrix 软件兼容的结构化格式。

实际影响

目前的研究提供了关于金融知识和金融行为及其相互联系的重要见解。它突出了该领域最受关注的问题，并引导了未来的研究领域。它通过揭示该领域的社会和知识结构，让未来的研究人员了解该领域的新兴主题、背景和合作的可能性。

社会影响

本文可为金融教育和扫盲领域的政策制定提供重要见解。

原创性/价值

过去，在各国进行了许多概念和实证工作，涉及经济学、金融学、心理学和消费者行为等学科。本研究的一个主要贡献是它整合了该领域零散的文献，突出了重要的来源、作者和文件，同时探索了金融知识和金融行为之间的关系。