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Building Financial Resilience: A Systematic Literature Review and Future Research Agenda

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  • Pawan Ashok Kamble
  • Atul Mehta
  • Neelam Rani

Abstract

We present a comprehensive systematic literature review on financial resilience at the individual and household level by employing the integrated ADO (Antecedents, Decisions, Outcomes) and TCM (Theory, Context, Method) framework. Financial resilience has emerged as a critical concept in response to rising financial vulnerabilities and uncertainties at both the individual and household levels, as well as globally. Drawing upon 82 peer‐reviewed articles indexed in Scopus, we synthesize the theoretical foundations, methodological approaches, and contextual diversity within the literature. We identify three core antecedents of financial resilience, namely economic, social, and behavioral, which inform eight categories of financial decisions that lead to improved economic, social, and behavioral outcomes. Our analysis reveals a fragmented yet expanding body of financial resilience research, highlights key conceptual and empirical gaps, and proposes a future research agenda to address them. This review contributes to the growing literature by offering a structured framework to advance both academic inquiry and policy formulation aimed at building individual and household financial resilience.

Suggested Citation

  • Pawan Ashok Kamble & Atul Mehta & Neelam Rani, 2026. "Building Financial Resilience: A Systematic Literature Review and Future Research Agenda," Journal of Economic Surveys, Wiley Blackwell, vol. 40(2), pages 954-981, April.
    • Handle: RePEc:bla:jecsur:v:40:y:2026:i:2:p:954-981
    DOI: 10.1111/joes.70024
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