“…The bulk of the literature on financial literacy has focused on three key areas: conceptual definitions of financial literacy (Remund, 2010;Santini et al, 2019;Warmath & Zimmerman, 2019), measurement of the elements of financial literacy (Huston, 2010;Lusardi, 2015;Lusardi & Mitchell, 2014), and financial education (Fernandes et al, 2014;Kaiser et al, 2022;Lusardi et al, 2017;Peeters et al, 2018). While much of the prior research on financial literacy and personal money management was developed in a traditional analog world, it may no longer be compatible with the new and more complex financial landscape created by the pervasive diffusion of digital technologies.…”