000			01678nam a22001697a 4500
003			OSt
005			20240410150928.0
008			240410b |||||||| |||| 00| 0 eng d
022			_a0972-6225
100			_aBhatia,Bhavya _938859
245			_aIndian Millennials’ Financial Literacy and Its Relationship with Financial Instruments and Fintech
300			_a109-120p
520			_aAbstract The study aims to evaluate the relationship between the use of nine financial instruments and the usage of two fintech applications with the four pillars of financial literacy, namely financial knowledge, advanced financial knowledge, financial behaviour, and financial attitude. A mixed-method analysis is conducted, proceeding with primary research through online surveys of 189 respondents and consequently phenomenology-based interviews with select respondents. A series of logistic regression estimates are specified to evaluate the relationships. Financial behaviour is identified as the pillar that explains the usage of the majority of instruments, while financial knowledge and financial attitude have the lowest explanatory power. The study makes important contributions by adapting OECD’s financial literacy construct to evaluate its relationship with different instruments and fintech uses for millennials, a demographic that is a key focus for policymakers, financial services firms, and startups in the post-pandemic digital native world.
653			_aMillennials’ Financial Literacy _aFinancial Instruments _aFintech
773	0		_030632 _983473 _aRAINA, ROSHAN _dINDIAN INSTITUTE OF MANAGEMENT LUCKNOW _o55514104 _tMETAMORPHOSIS _z0972-6225
942			_2ddc _cJA-ARTICLE
999			_c54916 _d54916