2026-05-31T00:04:13Z http://biblio.unvm.edu.ar/ws/PMBOAI

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http://biblio.unvm.edu.ar/opac_css/index.php?lvl=cmspage&pageid=9&id_notice=48178 48178 20251110u u u0argy0103 ba eng Financial literacy and nudge: the role of socioeconomic status in economic decision–making 2025 info:ar-repo/semantics/documento de conferencia info:eu-repo/semantics/conferenceObject info:eu-repo/semantics/acceptedVersion application/pdf 1020191 Villa María (inhabited place) 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 Fil: Nogas, Erika Mirian. Pontificia Universidad Católica de Paraná; Brasil. Fil: Mercer, Antonio Carlos. Pontificia Universidad Católica de Paraná; Brasil. Mercer, Antonio Carlos Nogas, Erika Mirian Accounting Economics Socio-economic analysis Economic policy Decision making Social factors Contabilidad Economía Análisis socioeconómico Política económica Toma de decisiones Factor social Comptabilité Economie Analyse socio-économique Politique économique Prise de décision Facteur social Contabilidad general o financiera info:eu-repo/semantics/openAccess http://creativecommons.org/licenses/by/4.0/ Creative Commons Attribution 4.0 International (CC BY 4.0) Researchers Students