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Exploring Financial Literacy in Higher Education with the Help of FinTech: A Bibliometric Analysis of Linkages to Access, Behavior, and Well-Being Through Digital Innovation

Author

Listed:
  • Ionut Marius Croitoru

    (Faculty of Entrepreneurship, Business Engineering and Management, National University of Science and Technology Politehnica, 060042 Bucharest, Romania)

  • Paula-Paraschiva Dragan (SPIRIDON)

    (Doctoral School of Economics and Business Administration, West University of Timisoara, 300223 Timisoara, Romania)

  • Nicoleta Daniela Ignat

    (Faculty of Entrepreneurship, Business Engineering and Management, National University of Science and Technology Politehnica, 060042 Bucharest, Romania)

  • Romanita Jumanca

    (Romanian and Foreign Languages Department, University of Medicine and Pharmacy Timisoara, 300041 Timisoara, Romania)

Abstract

This study explores the dynamic interaction between financial literacy and higher education, focusing on the critical role of financial education in improving individual financial well-being. Using bibliometric analysis and the VOSviewer software, this research examines thematic clusters in financial literacy, categorized into access, behavior, health, and education. By analyzing 469 articles from the Web of Science database (2020–2024), this study identifies trends and key linkages between financial literacy and societal well-being, highlighting the role of digital innovation. While FinTech is discussed as a facilitator of financial inclusion and education, the primary focus lies in understanding how financial literacy drives behavioral change, capacity building, and economic resilience. This paper provides information for policymakers and educators to design inclusive, behaviorally focused educational programs that address specific demographic needs, ultimately contributing to societal and economic resilience.

Suggested Citation

  • Ionut Marius Croitoru & Paula-Paraschiva Dragan (SPIRIDON) & Nicoleta Daniela Ignat & Romanita Jumanca, 2025. "Exploring Financial Literacy in Higher Education with the Help of FinTech: A Bibliometric Analysis of Linkages to Access, Behavior, and Well-Being Through Digital Innovation," FinTech, MDPI, vol. 4(1), pages 1-17, January.
    • Handle: RePEc:gam:jfinte:v:4:y:2025:i:1:p:4-:d:1570192
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    References listed on IDEAS

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    1. Donthu, Naveen & Kumar, Satish & Mukherjee, Debmalya & Pandey, Nitesh & Lim, Weng Marc, 2021. "How to conduct a bibliometric analysis: An overview and guidelines," Journal of Business Research, Elsevier, vol. 133(C), pages 285-296.
    2. Otilia Manta, 2024. "Financial Technology and Innovation for Sustainable Development," FinTech, MDPI, vol. 3(3), pages 1-3, August.
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    4. Ahmet F. Aysan & Zhamal Nanaeva, 2022. "Fintech as a Financial Disruptor: A Bibliometric Analysis," FinTech, MDPI, vol. 1(4), pages 1-22, December.
    5. Khanh Duy Pham & Vu Linh Toan Le, 2023. "Nexus between Financial Education, Literacy, and Financial Behavior: Insights from Vietnamese Young Generations," Sustainability, MDPI, vol. 15(20), pages 1-21, October.
    6. Mohammad Sahabuddin & Md. Nazmus Sakib & Md. Mahbubur Rahman & Adamu Jibir & Mochammad Fahlevi & Mohammed Aljuaid & Sandra Grabowska, 2023. "The Evolution of FinTech in Scientific Research: A Bibliometric Analysis," Sustainability, MDPI, vol. 15(9), pages 1-16, April.
    7. Ioannis Kosmas & Theofanis Papadopoulos & Georgia Dede & Christos Michalakelis, 2023. "The Use of Artificial Neural Networks in the Public Sector," FinTech, MDPI, vol. 2(1), pages 1-15, March.
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    10. Daniela Gabor & Sally Brooks, 2017. "The digital revolution in financial inclusion: international development in the fintech era," New Political Economy, Taylor & Francis Journals, vol. 22(4), pages 423-436, July.
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    Cited by:

    1. Farah Husna Mohd Fatzel & Wan Razazila Wan Abdullah & Norhayati Zamri, 2025. "Mapping the Research Landscape of Financial Literacy in Accounting Education: A Bibliometric Analysis," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(3s), pages 6835-6843, August.

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