| Título: | Financial literacy and nudge: the role of socioeconomic status in economic decision–making |
| en : | |
| Autores: | Antonio Carlos Mercer, Autor ; Erika Mirian Nogas, Autor |
| Tipo de documento: | documento electrónico |
| Fecha de publicación: | 2025 |
| Dimensiones: | 13 p. |
| Langues: | Inglés |
| Materias: |
02 - Temático General - UNESCO Análisis socioeconómico ; Contabilidad ; Contabilidad general o financiera ; Economía ; Factor social ; Política económica ; Toma de decisiones |
| Etiquetas: | Economía conductual ; Educación financiera ; Nudge ; Behavioral economics ; Financial literacy |
| Resumen: | This theoretical essay examines the interplay of financial literacy, nudges, and socioeconomic status (SES) in shaping financial decision–making, advancing discourse in behavioral economics and finance. This essay posits that nudge effectiveness is moderated by financial literacy and SES, with cognitive load and structural barriers as key mediators. Synthesizing literature, the paper highlights that lower SES individuals benefit from simplified nudges like default savings plans, while higher SES individuals respond to complex, informational nudges (Madrian& Shea, 2001; Benartzi et al., 2017). Empirical evidence, including studies on cognitive scarcity and financial education, supports the need for tailored interventions (Mani et al., 2013; Kaiser &Menkhoff, 2017). The framework addresses counterarguments, affirming that SES–specific nudges outperform universal designs despite individual variations (Sunstein, 2014). Policy implications emphasize segmented strategies—defaults for lower SES, detailed options for higher SES—integrated with accessible education and technology to bridge digital divides (Buchak et al., 2018). Trust and cultural factors further refine nudge design (Bertrand et al., 2006; Hofstede, 1980). Future research should test these interactions longitudinally. By aligning interventions with socioeconomic realities, the essay offers a robust foundation for equitable financial policies, promoting inclusion and reducing inequality |
| Tipo documento SNRD : | documento de conferencia |
| Creative Commons : |
 Esta obra está bajo una licencia Creative Commons Atribución 4.0 Internacional |
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Documentos electrónicos (1)
 Financial literacy and nudge Adobe Acrobat PDF |
