Purpose: This study’s aim is to review and synthesize the scientific evidence for financial capability interventions that combine financial education and financial products and services to affect financial behavior. Method: A systematic review process was used to search for, screen, and extract data from relevant studies. Following descriptive analysis, we calculated effect sizes. Results: After excluding duplicates, non-relevant and ineligible reports, this review included 24 unique studies. This review identified several different types of previously evaluated financial capability interventions. Few interventions were evaluated by more than one study that measured the same or similar outcomes. Therefore, evidence is sparse about whether financial capability interventions improved participants’ financial behaviors and/or outcomes. Conclusion: While each type of financial capability intervention has a unique evidence base, this lack of evidence across financial capability interventions points to the need to develop a more definitive evidence base for financial capability interventions about the financial outcomes.

中文翻译：

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旨在提高财务能力的干预措施：系统评价

目的：本研究的目的是审查和综合金融能力干预的科学证据，将金融教育与金融产品和服务相结合以影响金融行为。方法：系统审查过程用于从相关研究中搜索、筛选和提取数据。在描述性分析之后，我们计算了效应量。结果：在排除重复、不相关和不合格的报告后，本综述纳入了 24 项独特的研究。该审查确定了几种不同类型的先前评估的财务能力干预措施。一项以上测量相同或相似结果的研究评估了很少有干预措施。因此，关于财务能力干预是否改善了参与者的财务行为和/或结果的证据很少。结论：虽然每种类型的财务能力干预都有独特的证据基础，但缺乏跨财务能力干预的证据表明需要为有关财务结果的财务能力干预制定更明确的证据基础。