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Papers on “financial literacy education outcomes behavior”

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1. Convergent and discriminant validation by the multitrait-multimethod matrix.

   Donald T. Campbell, Donald W. Fiske · 1959 · Psychological Bulletin · 17,260 cites

   This data set was collected to examine the eHealth Literacy Scale as a means of assessing eHealth literacy among German athletes. In this context, we pursued two objectives with this study: first, to test the factorial structure of the GR-eHEALS and assess its construct validity by examining both convergent and discriminant validity; and second, to examine the associations between eHealth literacy and health-related outcomes (i.e., substance use and injuries). This digital survey was conducted as a cross-sectional study, adhering to the approval guidelines of the Ethics Committee of the Faculty of Medicine at the University of Duisburg-Essen (19-8947-BO). Prior to the survey, each participan

2. ChatGPT for good? On opportunities and challenges of large language models for education

   Enkelejda Kasneci, Kathrin Seßler, Stefan Küchemann, et al. · 2023 · Learning and Individual Differences · 6,594 cites

3. Literacy and health outcomes

   Darren A. DeWalt, Nancy D Berkman, Stacey Sheridan, et al. · 2004 · Journal of General Internal Medicine · 2,356 cites

4. Conceptualizing AI literacy: An exploratory review

   Davy Tsz Kit Ng, Jac Ka Lok Leung, Samuel Kai Wah Chu, et al. · 2021 · Computers and Education Artificial Intelligence · 1,911 cites

   Artificial Intelligence (AI) has spread across industries (e.g., business, science, art, education) to enhance user experience, improve work efficiency, and create many future job opportunities. However, public understanding of AI technologies and how to define AI literacy is under-explored. This vision poses upcoming challenges for our next generation to learn about AI. On this note, an exploratory review was conducted to conceptualize the newly emerging concept “AI literacy”, in search for a sound theoretical foundation to define, teach and evaluate AI literacy. Grounded in literature on 30 existing peer-reviewed articles, this review proposed four aspects (i.e., know and understand, use a

5. Financial Literacy and Planning: Implications for Retirement Wellbeing

   Annamaria Lusardi, Olivia Mitchell · 2011 · National Bureau of Economic Research · 1,271 cites

   Relatively little is known about why people fail to plan for retirement and whether planning and information costs might affect retirement saving patterns.This paper reports on a purpose-built survey module on planning and financial literacy for the Health and Retirement Study which measures how people make financial plans, collect the information needed to make these plans, and implement the plans.We show that financial illiteracy is widespread among older Americans, particularly women, minorities, and the least educated.We also find that the financially savvy are more likely to plan and to succeed in their planning, and they rely on formal methods such as retirement calculators, retirement

6. Financial literacy and the need for financial education: evidence and implications

   Annamaria Lusardi · 2019 · Zeitschrift für schweizerische Statistik und Volkswirtschaft/Schweizerische Zeitschrift für Volkswirtschaft und Statistik/Swiss journal of economics and statistics · 1,124 cites

7. Financial Literacy, Retirement Planning and Household Wealth

   M.C.J. van Rooij, Annamaria Lusardi, Rob Alessie · 2012 · The Economic Journal · 950 cites

   Relying on comprehensive measures of financial knowledge, we provide evidence of a strong positive association between financial literacy and net worth, even after controlling for many determinants of wealth. We discuss two channels through which financial literacy might facilitate wealth accumulation. First, financial knowledge increases the likelihood of investing in the stock market, allowing individuals to benefit from the equity premium. Second, financial literacy is positively related to retirement planning and the development of a savings plan has been shown to boost wealth.

8. The Economic Importance of Financial Literacy: Theory and Evidence

   Annamaria Lusardi, Olivia S. Mitchell · 2013 · National Bureau of Economic Research · 833 cites

   In this paper, we undertake an assessment of the rapidly growing body of research on financial literacy.We start with an overview of theoretical research which casts financial knowledge as a form of investment in human capital.Endogenizing financial knowledge has important implications for welfare as well as policies intended to enhance levels of financial knowledge in the larger population.Next, we draw on recent surveys to establish how much (or how little) people know and identify the least financially savvy population subgroups.This is followed by an examination of the impact of financial literacy on economic decision-making in the United States and elsewhere.While the literature is stil