中文文獻
中國家庭金融調查與研究中心（2019）。中國家庭金融調查。取自https://chfs.swufe.edu.cn/dczx/xmjs.htm。
內政部社會經濟統計地理資訊網（2022）。取自https://segis.moi.gov.tw/STAT/Web/Portal/STAT_PortalHome.aspx#
台灣萬事達卡公司(2022年12月21日)。萬事達卡：數位支付已成台灣民眾付款首選，多數集中三個支付錢包。取自https://www.mastercard.com/news/ap/zh-tw/
朱一鳴、王偉（2017）。普惠金融如何實現精准扶貧？財經研究，(10)，45-56。
吳明隆（2007）。結構方程模式：AMOS的操作與應用。臺北市：五南。
吳明隆（2013）。結構方程模式: 潛在成長曲線分析。 臺北市：五南。
吳明隆、涂金堂（2005）。SPSS與統計應用分析。臺北市：五南。
李敦仁、余民寧（2005）。社經地位、手足數目、家庭教育資源與教育成就結構關係模式之驗證：以 TEPS 資料庫資料為例。
李濤、徐翔、孫碩（2016）。普惠金融與經濟增長。金融研究，430（4），1-16。
易行健、周利（2018）。數字普惠金融發展是否顯著影響了居民消費—來自中國家庭的微觀證據。金融研究， 461（11），47-67。
邱皓政（2011）。當PLS遇上SEM：議題與對話。αβγ量化研究學刊，3(1)， 20-53。
邱皓政（2014）。量化研究與統計分析：SPSS (PASW)。資料分析範例解析。台北：五南。
金融監督管理委員會（2022）。111年我國普惠金融衡量及觀察指標。取自https://www.fsc.gov.tw/ch/home.jsp?id=838&parentpath=0,7
金融監督管理委員會銀行局(2022)。每10萬名15歲以上人口之商業銀行家數(家)。取自政府資料開放平臺。取自https://data.gov.tw/news/19083
恩靳、伊辛、布雷恩和特纳（2007）。公民權研究手册.杭洲。浙江人民出版社。
財金智慧教育推廣協會（2022）。2022全台青年財金素養調查。取自http://www.finlea.org.tw/OnePage.aspx?id=69&sn=908。
張春興（1988）。知之歷程與教之歷程：認知心理學的發展及其在教育上的應用。 教育心理學報，（21），17-38。
曾永清、王芳醴（2017）。台中市高中生父母理財教導, 理財素養, 理財態度與理財行為路徑關係之研究。商管科技季刊， 18（1），51-74。
曾永清、林麗純（2018）。高中教師理財態度、理財行為與理財滿意度路徑關係的探討。公民教育與活動領導學報，25，75-102。
曾永清、張惠甄（2022）。使用信用卡能帶來幸福? 中國家庭金融調查實證分析。Commerce & Management Quarterly，23(2)。
黃芳銘（2002）。《結構方程模式理論與應用》。臺北：五南。
黃倩、李政與熊德平（2019）。數字普惠金融的減貧效應及其傳導機制。改革， (11)，90-101。
黃毅志（1998）。社會階層、社會網絡與心理幸福。臺灣社會學刊，(21)，171-210。
黃毅志(2005)。教育研究中的 [職業調查封閉式問卷] 之信效度分析。教育研究集刊，第五十一輯第四期，43-71。
楊燕（2015）。普惠金融水準的衡量及其對經濟增長的影響—基於中國經濟區域 2005~ 2013 年的面板數據。金融與經濟，（6），38-44。
經濟社會文化權利國際公約（民國98年10月22日）生效。https://law.moj.gov.tw/LawClass/LawAll.aspx?pcode=Y0000038
董玉峰、陳俊興和杜崇東（2020）。數字普惠金融減貧：理論邏輯、模式構建與推進路徑。南方金融，（2），64-73。
資策會產業情報研究所（2021）。2020下半年行動支付大調查：六成消費者常用行動支付比例首度超越電子票證。https://mic.iii.org.tw/news.aspx?id=572
盧盼盼、張長全（2017）。中國普惠金融的減貧效應。宏觀經濟研究，(8)，33-43。
英文文獻
Aboagye, J., & Jung, J. Y. (2018). Debt holding, financial behavior, and financial satisfaction. Journal of Financial Counseling and Planning, 29(2), 208-218.
Acaravci, S. K., Ozturk, I., & Acaravci, A. (2009). Financial development and economic growth: Literature survey and empirical evidence from Sub-Saharan African countries. South African Journal of Economic and Management Sciences, 12(1), 11-27.
Aduda, J., & Kalunda, E. (2012). Financial inclusion and financial sector stability with reference to Kenya: A review of literature. Journal of Applied Finance and Banking, 2(6), 95.
Agarwalla, S. K., Barua, S. K., Jacob, J., & Varma, J. R. (2015). Financial literacy among working young in urban India. World Development, 67, 101-109.
Ajzen, I. (1985). From intentions to actions: A theory of planned behavior (pp. 11-39). Springer Berlin Heidelberg.
Ajzen, I. (1988). Attitudes, personality and behaviour. Chicago, IL: Dorsey.
Ajzen, I. (1991). The theory of planned behaviour. Organizational Behaviour and Human Decision Process, 50(2), 179–211.
Ajzen, I. (2002). Perceived behavioral control, self‐efficacy, locus of control, and the theory of planned behavior 1. Journal of Applied Social Psychology, 32(4), 665-683.
Ajzen, I. (2020). The theory of planned behavior: Frequently asked questions. Human Behavior and Emerging Technologies, 2(4), 314-324.
Albaity, M., & Rahman, M. (2019). The intention to use Islamic banking: an exploratory study to measure Islamic financial literacy. International Journal of Emerging Markets.
Alessie, R., Van Rooij, M., & Lusardi, A. (2011). Financial literacy and retirement preparation in the Netherlands. Journal of Pension Economics & Finance, 10(4), 527-545.
Allport, G. W. (1921). Personality and character. Psychological Bulletin, 18(9), 441.
Allport, G. W. (1960). The open system in personality theory. Journal of Abnormal and Social Psychology, 61(3), 301.
Amagir, A., Groot, W., Maassen van den Brink, H., & Wilschut, A. (2018). A review of financial-literacy education programs for children and adolescents. Citizenship, Social and Economics Education, 17(1), 56-80.
Anastasia, N., & Santoso, S. (2020). Effects of subjective norms, perceived behavioral control, perceived risk, and perceived usefulness towards intention to use credit cards in Surabaya, Indonesia (Doctoral dissertation, SHS Web of Conferences, EDP Sciences, Paris, France).
Andarsari, P. R., & Ningtyas, M. N. (2019). The role of financial literacy on financial behavior. Journal of Accounting and Business Education, 4(1), 24-33.
Andrews, J. (2011). Financial literacy education in the United States: Analyzing how the Jump$tart assessment measures knowledge that creates wealth (Doctoral dissertation). Retrieved from ProQuest Dissertations and Theses database. (UMI No. 3473137)
Anthony Giddens (2002). The composition of society. New Taipei City. Left Bank Culture Co., Ltd.
Aren, S., & Aydemir, S. D. (2015). The moderation of financial literacy on the relationship between individual factors and risky investment intention. International Business Research, 8(6), 17.
Arifin, A. Z. (2018). Influence factors toward financial satisfaction with financial behavior as intervening variable on Jakarta area workforce. European Research Studies Journal, XXI(1), 90–103. https://doi.org/10.11214/thalassinos.21.01.008
Arifin, A. Z., Kevin, K., & Siswanto, H. P. (2017). The Influence of Financial Knowledge, Financial Confidence, and Income on Financial Behavior Among the Workforce in Jakarta. MIX: Jurnal Ilmiah Manajemen, 7(1), 154883.
Asmundson（2011）What Are Financial Services?Finance & Development, March 2011, Vol. 48, No. 1. https://www.imf.org/external/pubs/ft/fandd/2011/03/basics.htm
Atkinson, A., & Messy, F. A. (2012). Measuring financial literacy.
Bagozzi, R. P., & Yi, Y. (1988). On the evaluation of structural equation models. Journal of the Academy of Marketing Science, 16, 74-94.
Bandura, A. (1977). Self-efficacy: toward a unifying theory of behavioral change. Psychological review, 84(2), 191.
Bandura, A. (1982). Self-efficacy mechanism in human agency. American Psychologist, 37, 122–147.
Barbara JR. Lewis and Graham II. Bingham（1991）The Youth Market for Financial Services．International Journal of Bank Marketing, Vol. 9 No. 2, 1991, pp. 3-11
Beck, T., Demirgüç-Kunt, A. & Levine, R. Finance, inequality and the poor. J Econ Growth 12, 27–49 (2007). https://doi.org/10.1007/s10887-007-9010-6
Boeddu, G., Chien, J., Istuk, I., & Lopes, L. (2020, May 8). Protecting financial consumers during the Covid-19 crisis [World Bank Blogs]. Retrieved from https://blogs.worldbank.org/psd/protecting-financial-consumers-during-covid-19-crisis. Accessed 20 Dec 2020.
Boonroungrut, C., & Huang, F. (2021). Reforming theory of planned behavior to measure money management intention: a validation study among student debtors. RAUSP Management Journal, 56, 24-37.
Borden, L. M., Lee, S. A., Serido, J., & Collins, D. (2008). Changing college students’ financial knowledge, attitudes, and behavior through seminar participation. Journal of Family and Economic Issues, 29(1), 23-40.
Brodkin, K. (2014). Work, race, and economic citizenship. Current Anthropology, 55(S9), S116-S125.
Bruhn, M, de Souza Leão, L, Legovini, A. (2013) The impact of high school financial education: Experimental evidence from Brazil. World Bank Policy Research Working Paper, 6723. Washington, DC: World Bank.
Byrne, B. M. (1994). Structural equation modeling with EQS and EQS/Windows: Basic concepts, applications, and programming. Sage.
Cabeza-García, L., Del Brio, E. B., & Oscanoa-Victorio, M. L. (2019, November). Female financial inclusion and its impacts on inclusive economic development. In Women's Studies International Forum (Vol. 77, p. 102300). Pergamon.
Canova L., Manganelli A. M. (2020). Energy-saving behaviours in workplaces: Application of an extended model of the theory of planned behaviour. Europe’s Journal of Psychology, 16(3), 384-400.
Cattell, R. B. (1963). Personality, role, mood, and situation-perception: A unifying theory of modulators. Psychological Review, 70(1), 1.
Chibba, M. (2009). Financial inclusion, poverty reduction and the millennium development goals. European Journal of Development Research, 21(2), 213-230.
Chowa, G., & Ansong, D. (2010). Youth and savings in AssetsAfrica. Children and Youth Services Review, 32(11), 1591-1596.
Council for Economic Education.(2021). National Standards for Personal Financial Education
Cucinelli, D., Gandolfi, G., & Soana, M. G. (2016). Customer and advisor financial decisions: The theory of planned behavior perspective. International Journal of Business and Social Science, 7(12), 80-92.
CYFI (2013) Research evidence on the CYFI model of children and youth as economic citizens. CSD Research Review No.13-04. Available at: http://www.bu.edu/bucflp/files/2014/06/CYFI-Research-Brief-Research-Evidence-on-the-child-and-youth-finance-model-of-economic-citizenship-2.pdf (accessed 21 January 2015).
Danes, S. M., & Rettig, K. D. (1993). The role of perception in the intention to change the family financial situation. Journal of Family and Economic Issues, 14(4), 365-389.
Darmansyah, D., Fianto, B. A., Hendratmi, A., & Aziz, P. F. (2020). Factors determining behavioral intentions to use Islamic financial technology: Three competing models. Journal of Islamic Marketing, 12(4), 794-812.
De Bortoli, D., da Costa Jr, N., Goulart, M., & Campara, J. (2019). Personality traits and investor profile analysis: A behavioral finance study. PloS one, 14(3), e0214062.
Demirgüç-Kunt, A., & Klapper, L. F. (2012). Financial inclusion in Africa: an overview. World Bank Policy Research Working Paper, (6088).
Demirguc-Kunt et al., Asli; Klapper, Leora; Singer, Dorothe; Ansar, Saniya; Hess, Jake.(2018). Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. © Washington, DC: World Bank. http://hdl.handle.net/10986/29510 License: CC BY 3.0 IGO.
Dev, S. M. (2006). Financial inclusion: Issues and challenges. Economic and Political Weekly, 4310-4313.
Dollard, J., & Miller, N. E. (2013). Social learning and imitation. Routledge.
Duflo, E., & Saez, E. (2003). The role of information and social interactions in retirement plan decisions: Evidence from a randomized experiment. Quarterly journal of economics, 118(3), 815-842.
Farida, M. N., Soesatyo, Y., & Aji, T. S. (2021). Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior. International Journal of Education and Literacy Studies, 9(1), 86-95.
Fishbein, M., & Ajzen, I. (2009). Predicting and Changing Behavior: The Reasoned Action Approach (1st ed.). Psychology Press. https://doi.org/10.4324/9780203838020
Fox, J.J., Bartholomae, S. (2008). Financial Education and Program Evaluation. In: Xiao, Handbook of Consumer Finance Research. 47-68.
Frost, J., Gambacorta, L., & Shin, H. S. (2021). From financial innovation to inclusion. Finance & Development, March.
Gamel, J., Bauer, A., Decker, T., & Menrad, K. (2022). Financing wind energy projects: An extended theory of planned behavior approach to explain private households’ wind energy investment intentions in Germany. Renewable Energy, 182, 592-601.
Gerrans, P., & Heaney, R. (2019). The impact of undergraduate personal finance education on individual financial literacy, attitudes and intentions. Accounting & Finance, 59(1), 177-217.
Goyal, K., & Kumar, S. (2021). Financial literacy: A systematic review and bibliometric analysis. International Journal of Consumer Studies, 45(1), 80-105.
Global Partnership for Financial Inclusion. 2018. Washington, DC: Global Partnership for Financial Inclusion. http://www.gpfi.org
GPFI.(2021). G20 Financial Inclusion Indicators. Retrieved January 15, 2021, from https://www.gpfi.org/data
Group of Twenty (G20). 2012. G20 Leaders Declaration. Los Cabos, Mexico, 19 June. http://www.g20.utoronto.ca/2012/2012-0619-loscabos.html (accessed 1 December 2016).
Grohmann, A. (2018). Financial literacy and financial behavior: Evidence from the emerging Asian middle class. Pacific-Basin Finance Journal, 48, 129-143.
Hair, J., Anderson, R., Tatham, R. and Black, W. (1998), Multivariate Data Analysis. London: Prentice Hall.
Hasibuan, B. K., Lubis, Y. M., & HR, W. A. (2018, January). Financial literacy and financial behavior as a measure of financial satisfaction. In 1st Economics and Business International Conference 2017 (EBIC 2017) (pp. 503-507). Atlantis Press.
Hayduk, L. A. (1987). Structural equation modeling with LISREL: Essentials and advances. Jhu Press.
Henager, R., & Cude, B. J. (2016). Financial Literacy and Long-and Short-Term Financial Behavior in Different Age Groups. Journal of Financial Counseling and Planning, 27(1), 3-19.
Henry, J. W., & Stone, R. W. (1994). A structural equation model of end-user satisfaction with a computer-based medical information system. Information Resources Management Journal (IRMJ), 7(3), 21-33.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull., 89, 309.
Hoffmann, A. O., & Plotkina, D. (2020). Why and when does financial information affect retirement planning intentions and which consumers are more likely to act on them?. Journal of Business Research, 117, 411-431.
Hu, L. T., & Bentler, P. M. (1999). Cutoff criteria for fit indexes in covariance structure analysis: Conventional criteria versus new alternatives. Structural Equation Modeling: A Multidisciplinary Journal, 6(1), 1-55.
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer affairs, 44(2), 296-316.
Infe, O. E. C. D. (2011). Measuring financial literacy: Core questionnaire in measuring financial literacy: Questionnaire and guidance notes for conducting an internationally comparable survey of financial literacy.
Irena Asmundson (2020). Financial Services: Getting the Goods. Internatioal Monetary Fund.
Jöreskog, K. G., & Sörbom, D. (1993). LISREL 8: Structural equation modeling with the SIMPLIS command language. Scientific software international.
Jump$tart.(2021).National Standards for Personal Financial Education. https://www.jumpstart.org/what-we-do/support-financial-education/standards/#:~:text=The%20National%20Standards%20for%20Personal%20Financial%20Education%20represent,promote%20effective%2C%20comprehensive%20financial%20education%20for%20K-12%20students.
Kennedy, B. P. (2013). The theory of planned behavior and financial literacy: A predictive model for credit card debt? Huntington, WV: Marshall University.
La Barbera, F., & Ajzen, I. (2020). Control interactions in the theory of planned behavior: Rethinking the role of subjective norm. Europe's Journal of Psychology, 16(3), 401.
Lajuni, N., Abdullah, N., Bujang, I., & Yacob, Y. (2018). Examining the predictive power of financial literacy and theory of planned behavior on intention to change financial behavior. International Journal of Business and Management Invention, 7(3), 60-66.
Lise Paaskesen & Weselina Angelow (2021). Financial Services That Work for Young People: How Social Norms Impact Financial Resilience Among the Youth in Africa. The William Davidson Institute. https://nextbillion.net/financial-services-social-norms-youth-africa/
Lister, R. (1990). Women, economic dependency and citizenship. Journal of Social Policy, 19(4), 445-467.
Luhr, S. (2018). How social class shapes adolescent financial socialization: Understanding differences in the transition to adulthood. Journal of Family and Economic Issues, 39(3), 457-473.
Lusardi, A. (Ed.). (2009). Overcoming the saving slump: How to increase the effectiveness of financial education and saving programs. University of Chicago Press.
Lusardi, A., & Mitchell, O. S. (2007). Financial literacy and retirement planning: New evidence from the Rand American Life Panel. Michigan Retirement Research Center Research Paper No. WP, 157.
Lusardi, A., & Mitchell, O. S. (2008). Planning and financial literacy: How do women fare? (No. w13750). National Bureau of Economic Research.
Lusardi, A., & Mitchell, O. S. (2011). Financial literacy around the world: an overview. Journal of Pension Economics & Finance, 10(4), 497-508.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. American Economic Journal: Journal of Economic Literature, 52(1), 5-44.
Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics & Finance, 14(4), 332-36
Lusardi, A., Mitchell, O. S., & Curto, V. (2010). Financial literacy among the young. Journal of Consumer Affairs, 44(2), 358-380.
Mabera, F. (2019). Japan’s G20 presidency: affirming the Asian century’s positive role for global economic governance. JSTOR Security Studies Collection.
Mandell, L., & Klein, L. S. (2009). The impact of financial literacy education on subsequent financial behavior. Journal of Financial Counseling and Planning, 20(1).
Matthews, G., & Gilliland, K. (1999). The personality theories of HJ Eysenck and JA Gray: A comparative review. Personality and Individual differences, 26(4), 583-626.
McDermott, M. S., Oliver, M., Svenson, A., Simnadis, T., Beck, E. J., Coltman, T., … Sharma, R. (2015). The theory of planned behaviour and discrete food choices: A systematic review and meta-analysis. International Journal of Behavioral Nutrition and Physical Activity, 12 (1), 162.
Meredith, W. (1993). Measurement invariance, factor analysis and factorial invariance. Psychometrika, 58, 525-543.
Mookerjee, R., & Kalipioni, P. (2010). Availability of financial services and income inequality: The evidence from many countries. Emerging Markets Review, 11(4), 404-408.
Mulyono, K. B. (2021). Decision Model for Saving Stocks Based on TPB and Financial Literacy. Dinamika Pendidikan, 16(1), 94-102.
Nanda, K., & Kaur, M. (2016). Financial inclusion and human development: A cross-country evidence. Management and Labour Studies, 41(2), 127-153.
Nurbaeti, I., Mulyati, S., & Sugiharto, B. (2019). The Effect of Financial Literacy and Accounting Literacy to Entrepreneurial Intention Using Theory of Planned Behavior Model in STIE Sutaatmadja Accounting Students. JASS (Journal of Accounting for Sustainable Society), 1(01), 1-1.
O’Neill, B., & Xiao, J. J. (2003). Financial fitness quiz: A tool for analyzing financial behavior. Consumer Interests Annual, 49(1), 3.
OECD/INFE. (2015). OECD/INFE Core Competencies Framework on Financial Literacy for Youth. Retrieved from www.oecd.org/finance/financial-education
Organisation for Economic Cooperation and Developmentl (2014), “The Assessment of Financial Literacy in PISA 2012”, in PISA 2012 Results: Students and Money (Volume VI): Financial Literacy Skills for the 21st Century, OECD Publishing, Paris. DOI: https://doi.org/10.1787/9789264208094-5-en
Organisation for Economic Cooperation and Developmentl (2017), G20/OECD INFE report on adult financial literacy in G20 countries
Organisation for Economic Cooperation and Developmentl (2018), G20/OECD INFE Policy Guidance on Digitalisation and Financial Literacy
Organisation for Economic Cooperation and Developmentl (2020), OECD/INFE 2020 International Survey of Adult Financial Literacy www.oecd.org/financial/education/launchoftheoecdinfeglobalfinancialliteracysurveyreport.htm
Organisation for Economic Cooperation and Developmentl (2020), PISA 2018 Results (Volume IV): Are Students Smart about Money?, PISA, OECD Publishing, Paris, https://doi.org/10.1787/48ebd1ba-en.
Organisation for Economic Cooperation and Developmentl (2022) Recommendation of the Council on Financial Literacy, OECD/LEGAL/0461
Organisation for Economic Cooperation and Developmentl.(2017).G20/OECD INFE Report on ensuring financial education and consumer protection for all in the digitalag.
Ozili, P. K., Ademiju, A., & Rachid, S. (2023). Impact of financial inclusion on economic growth: review of existing literature and directions for future research. International Journal of Social Economics, 50(8), 1105-1122.
Pereznieto, P., Marcus, R., Maclure, M., Archer, N., Mdee, A., Moore, K., & Miller, A. R. (2018). Gender and Youth Livelihood Programming in Africa. Mastercard Foundation.
Perotti, E. C., & Volpin, P. F. (2007). Politics, investor protection and competition. ECGI-Finance Working Paper, (162), 07-006.
Rahim, S. H. A., Rashid, R. A., & Hamed, A. B. (2016). Islamic financial literacy and its determinants among university students: An exploratory factor analysis. International Journal of Economics and Financial Issues, 6(7S), 32-35.
Rhine, S. L., & Greene, W. H. (2006). The determinants of being unbanked for US immigrants. Journal of Consumer Affairs, 40(1), 21-40.
Riebl, S. K., Estabrooks, P. A., Dunsmore, J. C., Savla, J., Frisard, M. I., Dietrich, A. M., … Davy, B. M. (2015). A systematic literature review and meta-analysis: The theory of planned Behavior's application to understand and predict nutrition-related behaviors in youth. Eating Behaviors, 18, 160– 178.
Robb, C. A., & Woodyard, A. (2011). Financial knowledge and best practice behavior. Journal of Financial Counseling and Planning, 22(1).
Sahni, A. (1994). The Theory of Planned Behavior: Clarifications, modifications, and extensions for the consumption domain. University of Cincinnati.
Sahrawat, R. (2010). Financial inclusion from obligation to opportunity. Tata Consultancy Service Ltd.
Sarma, M., & Pais, J. (2011). Financial inclusion and development. Journal of International Development, 23(5), 613-628.
Saurabh, K., & Nandan, T. (2018). Role of financial risk attitude and financial behavior as mediators in financial satisfaction: Empirical evidence from India. South Asian Journal of Business Studies.
Serido, J., Shim, S., & Tang, C. (2013). A developmental model of financial capability: A framework for promoting a successful transition to adulthood. International Journal of Behavioral Development, 37(4), 287-297.
Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2010). Financial socialization of first-year college students: The roles of parents, work, and education. Journal of Youth and Adolescence, 39, 1457-1470.
Shim, S., Xiao, J. J., Barber, B. L., & Lyons, A. C. (2009). Pathways to life success: A conceptual model of financial well-being for young adults. Journal of Applied Developmental Psychology, 30(6), 708-723.
Storm, L., Porter, B., & Macaulay, F. (2010). Emerging guidelines for linking youth to financial services. Enterprise Development & Microfinance, 21(4), 307.
Swamy, V. (2014). Financial inclusion, gender dimension, and economic impact on poor households. World development, 56, 1-15.
Tariq, J., Sajjad, A., Usman, A., & Amjad, A. (2017). The role of intentions in facebook usage among educated youth in Pakistan: An extension of the theory of planned behavior. Computers in Human Behavior, 74, 188-195.
Taylor, M. (2011). Measuring financial capability and its determinants using survey data. Social Indicators Research, 102, 297-314.
Thaler, R. H. (2015). Misbehaving: The Making of Behavioral Economics. WW Norton & Company.
The World Bank(2022) The Little Data Book on Financial Inclusion 2022. © World Bank, Washington, DC. http://hdl.handle.net/10986/38148 License: CC BY 3.0 IGO
The World Bank.(2017). Global Findex. https://www.worldbank.org/en/publication/globalfindex/Data
Thompson, B. (2000). Ten commandments of structural equation modeling. In US Dept of Education, Office of Special Education Programs (OSEP) Project Directors' Conference, 1998, Washington, DC, US; A previous version of this chapter was presented at the aforementioned conference and at the same annual conference held in 1999.. American Psychological Association.
UNSGSA（2021）https://www.unsgsa.org/sites/default/files/resources-files/2021-09/UNSGSA-Annual-Report-2021.pdf
Vamvaka, V., Stoforos, C., Palaskas, T., & Botsaris, C. (2020). Attitude toward entrepreneurship, perceived behavioral control, and entrepreneurial intention: dimensionality, structural relationships, and gender differences. Journal of Innovation and Entrepreneurship, 9(1), 1-26.
Vasquez, A. K., Foditsch, C., Dulièpre, S. A. C., Siler, J. D., Just, D. R., Warnick, L. D., ... & Sok, J. (2019). Understanding the effect of producers’ attitudes, perceived norms, and perceived behavioral control on intentions to use antimicrobials prudently on New York dairy farms. PLoS One, 14(9), e0222442.
Warmath, D., & Zimmerman, D. (2019). Financial literacy as more than knowledge: The development of a formative scale through the lens of Bloom's domains of knowledge. Journal of Consumer Affairs, 53(4), 1602-1629.
Widyastuti, U., Suhud, U., & Sumiati, A. (2016). The impact of financial literacy on student teachers’ saving intention and saving behaviour. Mediterranean Journal of Social Sciences, 7(6), 41.
Willis L., Lee E., Reynolds K. J., Klik K. A. (2020). The theory of planned behavior and the social identity approach: A new look at group processes and social norms in the context of student binge drinking. Europe’s Journal of Psychology, 16(3), 357-383. 10.5964/ejop.v16i3.1900
Walstad, W. B., & Rebeck, K. (2016). Test of financial literacy: Examiner’s manual. Council for Economic Education, New York.
Xiao, J. J. (2008). Applying behavior theories to financial behavior. In Handbook of consumer finance research (pp. 69-81). Springer, New York, NY.
Xiao, J. J., Ahn, S. Y., Serido, J., & Shim, S. (2014). Earlier financial literacy and later financial behaviour of college students. International Journal of Consumer Studies, 38(6), 593-601.
Xiao, J. J., Chen, C., & Chen, F. (2014). Consumer financial capability and financial satisfaction. Social Indicators Research, 118(1), 415-432.
Xiao, J. J., Sorhaindo, B., & Garman, E. T. (2006). Financial behaviours of consumers in credit counselling. International Journal of Consumer Studies, 30(2), 108-121.
Xiao, J. J., Tang, C., & Shim, S. (2009). Acting for happiness: Financial behavior and life satisfaction of college students. Social Indicators Research, 92(1), 53-68.
Xiao, J. J., Tang, C., Serido, J., & Shim, S. (2011). Antecedents and consequences of risky credit behavior among college students: Application and extension of the theory of planned behavior. Journal of Public Policy & Marketing, 30(2), 239-245. https://www.imf.org/external/pubs/ft/fandd/basics/finserv.htm
Xiao, X., & Wong, R. M. (2020). Vaccine hesitancy and perceived behavioral control: A meta-analysis. Vaccine, 38(33), 5131-5138.