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• W3162125489 abstract "We explore microdata from the OECD/INFE survey on financial literacy of adult individuals. We find considerable differences in financial literacy across countries and decompose them into a part explainable by varying individual characteristics and a remainder. We show that individual characteristics matter with regard to differences in average financial literacy, but do not fully explain the gaps. We decompose financial literacy across its distribution and directly relate it to different policies. We then correlate the unexplained differences to institutional macroeconomic variables. We find strong correlations between unexplained differences and life expectancy, social contributions rate, PISA math scores, and internet usage, suggesting room for harmonization of environments across countries to close the financial literacy gap." @default.
• W3162125489 created "2021-05-24" @default.
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• W3162125489 date "2021-05-15" @default.
• W3162125489 modified "2023-10-10" @default.
• W3162125489 title "Exploring Differences in Financial Literacy Across Countries: The Role of Individual Characteristics and Institutions" @default.
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• W3162125489 doi "https://doi.org/10.1007/s11205-021-02713-8" @default.
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