Financially vulnerable consumers are often associated with suboptimal financial behaviors. Evaluated financial education programs so far show difficulties to effectively reach this target population. In our attempt to solve this problem, we built a behaviorally informed financial education program incorporating insights from both motivational and behavioral change theories. In a quasi-experimental field study among Dutch financially vulnerable people, we compared this program with both a control group and a traditional program group. In comparison with the control group, we found robust positive effects of the behaviorally informed program on financial skills and knowledge and self-reported financial behavior, but not on other outcomes. Additionally, we did not find evidence that the behaviorally informed program performed better than the traditional program. Finally, we discuss the findings and limitations of this study in light of the financial education literature and provide implications for policymaking and directions for future research.
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The purpose of this study is to analyze the relationship between sustainable performance and risk management, whereby sustainability (innovation), interdisciplinarity and leadership give new insights into the traditional perspectives on performance and risk management in the field of accounting and finance.
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This study explores how households interact with smart systems for energy usage, providing insights into the field's trends, themes and evolution through a bibliometric analysis of 547 relevant literature from 2015 to 2025. Our findings discover: (1) Research activity has grown over the past decade, with leading journals recognizing several productive authors. Increased collaboration and interdisciplinary work are expected to expand; (2) Key research hotspots, identified through keyword co-occurrence, with two (exploration and development) stages, highlighting the interplay between technological, economic, environmental, and behavioral factors within the field; (3) Future research should place greater emphasis on understanding how emerging technologies interact with human, with a deeper understanding of users. Beyond the individual perspective, social dimensions also demand investigation. Finally, research should also aim to support policy development. To conclude, this study contributes to a broader perspective of this topic and highlights directions for future research development.
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