“…The topic has been explored in detail by researchers in other fields such as economics, management, accounting, social work and psychology. These fields have produced a variety of theories and perspectives for understanding different aspects of FE, including consumer behaviour (how consumers respond and act according to the milieu, e.g., Dwiastanti, 2015;Suparti, 2016), financial choices and decision making (what factors impact the process of making a financial decision, e.g., Banaian, 2009;Garofalo & Kitchell, 2010), financial knowledge (theories, formulas, processes associated with finance as a discipline, e.g., Kim, Chatterjee, Young, & Moon, 2002;Walstad et al, 2017), debt and saving (similar to consumer behaviour, but focused less on consumption and more on money management, e.g., Brown & Ferguson, 2017;Reams-Johnson & Delker, 2016), and pensions and employability (topics that extend to public policy and social well-being, e.g., Fornero & Monticone, 2011;Lusardi & Mitchell, 2008, 2011Lusardi & Mitchelli, 2007).…”