id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
abrj-454	NGUYEN, Thi Thanh Huyen 	Financial Literacy and Digital Consumer Decision-Making Nexus: A PLS-SEM Analysis of Behavioural Dynamics in Vietnam's Emerging Peer-to-Peer Lending Ecosystem	2025	14	.pdf	application/pdf	12122	657	24	Financial Literacy: Empirical Findings and Measurement Approaches Empirical research examining financial literacy has documented significant and persistent knowledge gaps across global populations. Fernandes et al. (2014) conducted a meta-analysis of 168 papers examining financial literacy effects, finding a statistically significant but relatively modest relationship between financial literacy and financial behaviours (r = 0.21).	cache/abrj-454.pdf	txt/abrj-454.txt