Exploring the State of Financial Literacy among Asian University Students: Trends, Gaps, and Research Directions
DOI:
https://doi.org/10.52432/justbest.3.2.52-69Keywords:
Financial literacy, University students, Asia, Literature review, Financial educationAbstract
This literature review explores the current state of financial literacy among university students across Asia, highlighting key trends, thematic concentrations, methodological approaches, and research gaps. Financial literacy is increasingly recognized as a vital life skill, particularly for young adults managing personal finances amid complex economic and digital environments. Through an in-depth analysis of peer-reviewed studies published over the past two decades, this review identifies that while financial knowledge levels vary across countries, a general trend of moderate to low literacy prevails. Key themes include the influence of demographic variables, the role of financial education, and behavioral patterns in saving, spending, and credit use. However, the field remains fragmented, with limited theoretical integration, an overreliance on cross-sectional survey data, and a lack of attention to underrepresented populations and regions. Digital financial literacy, in particular, remains an emerging area with significant potential for future exploration. This review concludes by proposing a comprehensive research agenda that emphasizes longitudinal designs, mixed methods, theoretical refinement, and inclusive sampling. By addressing these gaps, scholars and practitioners can contribute to more effective financial literacy interventions that support young people in making informed, confident financial decisions throughout their lives.
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