<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2395-8715</journal-id>
<journal-title><![CDATA[Revista de economía]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. econ.]]></abbrev-journal-title>
<issn>2395-8715</issn>
<publisher>
<publisher-name><![CDATA[Facultad de Economía, Universidad Autónoma de Yucatán]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2395-87152024000200069</article-id>
<article-id pub-id-type="doi">10.33937/reveco.2024.407</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Evaluación de la escala alfabetización financiera sobre decisiones financieras clave para América Latina]]></article-title>
<article-title xml:lang="en"><![CDATA[Assessment of the financial literacy scale on key financial decisions for Latin America]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Décaro Santiago]]></surname>
<given-names><![CDATA[Laura Angélica]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Soriano Hernández]]></surname>
<given-names><![CDATA[María Guadalupe]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Castiblanco]]></surname>
<given-names><![CDATA[Fabián]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Messina Scolaro]]></surname>
<given-names><![CDATA[María del Carmena]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Benítez Guadarrama]]></surname>
<given-names><![CDATA[Juan Pedro]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma del Estado de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Autónoma del Estado de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad La Gran Colombia  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<aff id="Af4">
<institution><![CDATA[,Universidad de la República  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Uruguay</country>
</aff>
<aff id="Af5">
<institution><![CDATA[,Universidad Autónoma del Estado de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2024</year>
</pub-date>
<volume>41</volume>
<numero>103</numero>
<fpage>69</fpage>
<lpage>98</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2395-87152024000200069&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2395-87152024000200069&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2395-87152024000200069&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La medición del constructo de la alfabetización financiera es un tema de gran interés tanto para académicos como para diseñadores de políticas públicas. A pesar de ello, pocos investigadores latinoamericanos han emprendido trabajos que propongan escalas con las cualidades metodológicas necesarias. En este contexto, este estudio tiene como objetivo evaluar la escala de Alfabetización Financiera sobre Decisiones Financieras Clave (FLKD, por sus siglas en inglés) en tres muestras de tres países latinoamericanos, con la finalidad de identificar si el instrumento es apto para ser utilizado como herramienta que calibra de manera válida y confiable entre jóvenes adultos. Para esto se lleva a cabo el análisis de confiabilidad, de correlaciones y factorial confirmatorio, utilizando además el Modelado de Sistema de Ecuaciones Estructurales (SEM). Se destaca que este proceso es confirmatorio, es decir, no semi confirmatorio. Los resultados indican que el ajuste del modelo en cada muestra se aproxima a lo esperado, obteniendo mejores resultados en la muestra global, aunque por debajo de los parámetros de corte más estrictos. A pesar de este hecho, los resultados respaldan la afirmación de que la escala FLKD constituye un adecuado punto de partida para ser afinado y aplicado en jóvenes universitarios de países latinoamericanos. Además, los hallazgos sugieren que existe la posibilidad de explorar nuevas relaciones y análisis que amplíen la comprensión de cómo la variable de comportamiento financiero se relaciona. Este enfoque holístico puede enriquecer la comprensión de la alfabetización financiera y su impacto en el bienestar financiero de los individuos en la región.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The measurement of financial literacy is of great interest to both academics and public policy designers. Despite this, few Latin American researchers have undertaken studies proposing scales with the necessary methodological qualities. In this context, this study aims to evaluate the Financial Literacy on Key Financial Decisions (FLKD) scale in three samples from three Latin American countries, with the purpose of identifying whether the instrument is suitable for use as a tool that validly and reliably calibrates among young adults. To achieve this, reliability analysis, correlations, and confirmatory factor analysis are conducted, employing Structural Equation Modeling (SEM). It is important to note that this process is confirmatory, not semi- confirmatory. The results indicate that the model fit in each sample approximates the expected values, with better results in the overall sample, although falling below stricter cutoff parameters. Despite this, the findings support the assertion that the FLKD scale constitutes an appropriate starting point to be refined and applied to young university students in Latin American countries. Furthermore, the findings suggest the possibility of exploring new relationships and analyses that enhance the understanding of how the financial behavior variable is interconnected. This holistic approach can enrich the comprehension of financial literacy and its impact on individuals' financial wellbeing in the region.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[alfabetización financiera]]></kwd>
<kwd lng="es"><![CDATA[Latinoamérica]]></kwd>
<kwd lng="es"><![CDATA[escala]]></kwd>
<kwd lng="es"><![CDATA[análisis factorial confirmatorio]]></kwd>
<kwd lng="es"><![CDATA[modelo de ecuaciones estructurales]]></kwd>
<kwd lng="es"><![CDATA[D14]]></kwd>
<kwd lng="es"><![CDATA[D12]]></kwd>
<kwd lng="es"><![CDATA[E47]]></kwd>
<kwd lng="en"><![CDATA[financial literacy]]></kwd>
<kwd lng="en"><![CDATA[Latin America]]></kwd>
<kwd lng="en"><![CDATA[scale]]></kwd>
<kwd lng="en"><![CDATA[confirmatory factor analysis]]></kwd>
<kwd lng="en"><![CDATA[structural equation model]]></kwd>
<kwd lng="en"><![CDATA[D14]]></kwd>
<kwd lng="en"><![CDATA[D12]]></kwd>
<kwd lng="en"><![CDATA[E47]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Allgood]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Walstad]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The effects of percived and actual financial literacy on financial behaviors]]></article-title>
<source><![CDATA[Economic Inpuiry]]></source>
<year>2015</year>
<volume>54</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>675-97</page-range></nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="">
<collab>Allianz</collab>
<source><![CDATA[When Will the Penny Drop? Money, Financial Literacy and Risk in the Digital Age]]></source>
<year>2017</year>
</nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Arceo-Gómez]]></surname>
<given-names><![CDATA[E.O.]]></given-names>
</name>
<name>
<surname><![CDATA[Villagómez]]></surname>
<given-names><![CDATA[F.A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy among Mexican high school teenagers]]></article-title>
<source><![CDATA[International Review of Economics Education]]></source>
<year>2017</year>
<volume>24</volume>
<page-range>1-17</page-range></nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Atkinson]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Messy]]></surname>
<given-names><![CDATA[F.A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study]]></source>
<year>2012</year>
<publisher-name><![CDATA[OECD Insurance and Private Pensions]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Avendaño]]></surname>
<given-names><![CDATA[W.R.]]></given-names>
</name>
<name>
<surname><![CDATA[Rueda]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Velasco]]></surname>
<given-names><![CDATA[B.M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Percepciones y habilidades financieras en estudiantes universitarios]]></article-title>
<source><![CDATA[Formación universitaria]]></source>
<year>2021</year>
<volume>14</volume>
<numero>3</numero>
<issue>3</issue>
</nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Aydin]]></surname>
<given-names><![CDATA[A.E.]]></given-names>
</name>
<name>
<surname><![CDATA[Selcuk]]></surname>
<given-names><![CDATA[E. Akben]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[An investigation of financial literacy, money ethics and time preferences among college students: A structural equation model]]></article-title>
<source><![CDATA[International Journal of Bank Marketing]]></source>
<year>2019</year>
<volume>37</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>880-900</page-range></nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="">
<collab>Banco Mundial</collab>
<source><![CDATA[Datos países y economías]]></source>
<year>2023</year>
</nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Brüggen]]></surname>
<given-names><![CDATA[E.C.]]></given-names>
</name>
<name>
<surname><![CDATA[Hogreve]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Holmlund]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Kabadayi]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Löfgren]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial well-being: A conceptualization and research agenda]]></article-title>
<source><![CDATA[Journal of Business Research]]></source>
<year>2017</year>
<volume>79</volume>
<page-range>228-37</page-range></nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Byrne]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
</person-group>
<source><![CDATA[Structural Equation Modeling with AMOS: Basic Concepts, Applications, and Programming]]></source>
<year>2010</year>
<publisher-loc><![CDATA[Nueva York ]]></publisher-loc>
<publisher-name><![CDATA[Taylor &amp; Francis Group]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="">
<collab>CAF</collab>
<collab>SBIF</collab>
<source><![CDATA[Reporte de la Encuesta de Medición de Capacidades Financieras en los Países Andinos: Chile 2016]]></source>
<year>2016</year>
</nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chaulagain]]></surname>
<given-names><![CDATA[R.P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Contribution of financial literacy to behavior]]></article-title>
<source><![CDATA[Journal of Economics and Behavioral Studies]]></source>
<year>2015</year>
<volume>7</volume>
<numero>6</numero>
<issue>6</issue>
<page-range>61-71</page-range></nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="">
<collab>Colmar Brunton</collab>
<source><![CDATA[Reporte de Financial Knowledge and Behaviour Survey 2013]]></source>
<year>2013</year>
</nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="book">
<collab>CFPB</collab>
<source><![CDATA[Financial Well-Being: The Goal of Financial Education]]></source>
<year>2015</year>
<publisher-name><![CDATA[Consumer Financial Protection Bureau]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[de la Fuente-Mella]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Umaña-Hermosilla]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
<name>
<surname><![CDATA[Fonseca-Fuentes]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Elórtegui-Gómez]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Multinomial logistic regression to estimate the financial education and financial knowledge of university students in Chile]]></article-title>
<source><![CDATA[Information MDPI]]></source>
<year>2021</year>
<volume>12</volume>
<numero>379</numero>
<issue>379</issue>
<page-range>1-15</page-range></nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Douissa]]></surname>
<given-names><![CDATA[I.B.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Factors affecting College students&#8217; multidimensional financial literacy in the Middle East]]></article-title>
<source><![CDATA[International Review of Economics Education]]></source>
<year>2020</year>
<volume>35</volume>
<page-range>1-20</page-range></nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ergün]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy among university students: A study in eight European countries]]></article-title>
<source><![CDATA[International Journal of Consumer Studies]]></source>
<year>2017</year>
<volume>41</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>2-15</page-range></nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Flora]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[LaBrish]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Chalmers]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Old and new ideas for data screening and assumption testing for exploratory and confirmatory factor analysis]]></article-title>
<source><![CDATA[Frontiers in Psichology]]></source>
<year>2012</year>
<volume>3</volume>
<page-range>1-21</page-range></nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Garay Anaya]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Las finanzas conductuales, el alfabetismo financiero y su impacto en la toma de decisiones financieras, el bienestar económico y la felicidad]]></article-title>
<source><![CDATA[Perspectivas]]></source>
<year>2015</year>
<numero>36</numero>
<issue>36</issue>
<page-range>7-34</page-range></nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[García-Mata]]></surname>
<given-names><![CDATA[O.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Alfabetismo financiero entre millennials en Ciudad Victoria, Tamaulipas, México]]></article-title>
<source><![CDATA[Estudios Gerenciales]]></source>
<year>2021</year>
<volume>37</volume>
<numero>160</numero>
<issue>160</issue>
<page-range>399-412</page-range></nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Garcia-Santillan]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Knowledge and application toward financial topics in high school students: A parametric study]]></article-title>
<source><![CDATA[European Journal of Educational Research]]></source>
<year>2020</year>
<volume>9</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>905-19</page-range></nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="">
<collab>GFLEC</collab>
<source><![CDATA[S&amp;P Global Finlit Survey-Methodology]]></source>
<year>2023</year>
</nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gilenko]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Chernova]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Saving behavior and financial literacy of Russian high school students: An application of a copula-based bivariate probit-regression approach]]></article-title>
<source><![CDATA[Children and Youth Services Review]]></source>
<year>2021</year>
<volume>127</volume>
<page-range>1-11</page-range></nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Goyal]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Kumar]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy: A systematic review and bibliometric analysis]]></article-title>
<source><![CDATA[International Journal of Costumer Studies]]></source>
<year>2020</year>
<volume>45</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>80-105</page-range></nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Grohmann]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy and financial behavior: Evidence from the emerging Asian middle class]]></article-title>
<source><![CDATA[Pacific-Basin Finance Journal]]></source>
<year>2018</year>
<volume>48</volume>
<page-range>129-43</page-range></nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Hastings]]></surname>
<given-names><![CDATA[J.S.]]></given-names>
</name>
<name>
<surname><![CDATA[Madrian]]></surname>
<given-names><![CDATA[B.C.]]></given-names>
</name>
<name>
<surname><![CDATA[Skimmyhorn]]></surname>
<given-names><![CDATA[W.L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy, financial education, and economic outcomes]]></article-title>
<source><![CDATA[Annual Review of Economics]]></source>
<year>2013</year>
<volume>5</volume>
<page-range>347-73</page-range></nlm-citation>
</ref>
<ref id="B26">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Hooper]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Coughlan]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Mullen]]></surname>
<given-names><![CDATA[M.R.]]></given-names>
</name>
</person-group>
<source><![CDATA[Structural equation modelling: Guidelines for determining model fit]]></source>
<year>2008</year>
<volume>6</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>53-60</page-range></nlm-citation>
</ref>
<ref id="B27">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Huston]]></surname>
<given-names><![CDATA[S.J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Measuring financial literacy]]></article-title>
<source><![CDATA[The Journal of Consumer Affairs]]></source>
<year>2010</year>
<volume>44</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B28">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Huston]]></surname>
<given-names><![CDATA[S.J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Assessing financial literacy]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Durnad]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Britt]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<source><![CDATA[Student Financial Literacy]]></source>
<year>2012</year>
<publisher-loc><![CDATA[Londres ]]></publisher-loc>
<publisher-name><![CDATA[Springer]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B29">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Khanh]]></surname>
<given-names><![CDATA[D.P.]]></given-names>
</name>
<name>
<surname><![CDATA[Linh]]></surname>
<given-names><![CDATA[T.L. Vu]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Nexus between financial education, literacy, and financial behavior: Insights from Vietnamese young generations]]></article-title>
<source><![CDATA[Sustainability]]></source>
<year>2023</year>
<volume>15</volume>
<numero>20</numero>
<issue>20</issue>
<page-range>1-21</page-range></nlm-citation>
</ref>
<ref id="B30">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kiliyanni]]></surname>
<given-names><![CDATA[A.L.]]></given-names>
</name>
<name>
<surname><![CDATA[Sivaraman]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The perception-reality gap in financial literacy: Evidence from the most literate state in India]]></article-title>
<source><![CDATA[International Review of Economics Education]]></source>
<year>2016</year>
<volume>23</volume>
<page-range>47-64</page-range></nlm-citation>
</ref>
<ref id="B31">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kline]]></surname>
<given-names><![CDATA[R.B.]]></given-names>
</name>
</person-group>
<source><![CDATA[Principles and Practice of Structural Equation Modeling]]></source>
<year>2011</year>
<publisher-loc><![CDATA[Washington ]]></publisher-loc>
<publisher-name><![CDATA[Guilford Press]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B32">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lloret-Segura]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Ferreres-Traver]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Hernández-Baeza]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Tomás-Marco]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[El análisis factorial exploratorio de los ítems: una guía práctica, revisada y actualizada]]></article-title>
<source><![CDATA[Anales de Psicología]]></source>
<year>2014</year>
<volume>30</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>1151-69</page-range></nlm-citation>
</ref>
<ref id="B33">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[American´s Financial Capability]]></source>
<year>2011</year>
</nlm-citation>
</ref>
<ref id="B34">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Mitchell]]></surname>
<given-names><![CDATA[O.S.]]></given-names>
</name>
</person-group>
<source><![CDATA[Financial Literacy and Planning: Implications for Retirement Wellbeing]]></source>
<year>2006</year>
<publisher-name><![CDATA[University of Pennsylvania]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B35">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Mitchell]]></surname>
<given-names><![CDATA[O.S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy around the world: An overview]]></article-title>
<source><![CDATA[Journal of Pension Economics and Finance]]></source>
<year>2011</year>
<volume>10</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>497-508</page-range></nlm-citation>
</ref>
<ref id="B36">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Mitchell]]></surname>
<given-names><![CDATA[O.S.]]></given-names>
</name>
</person-group>
<source><![CDATA[The Economic Importance of Financial Literacy: Theory and Evidence]]></source>
<year>2013</year>
</nlm-citation>
</ref>
<ref id="B37">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Mitchell]]></surname>
<given-names><![CDATA[O.S.]]></given-names>
</name>
<name>
<surname><![CDATA[Curto]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy among the young]]></article-title>
<source><![CDATA[The Journal of Consumer Affairs]]></source>
<year>2010</year>
<volume>44</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>358-80</page-range></nlm-citation>
</ref>
<ref id="B38">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Mahfuzur]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Ruhana]]></surname>
<given-names><![CDATA[I. Che]]></given-names>
</name>
<name>
<surname><![CDATA[Muhammad]]></surname>
<given-names><![CDATA[M.M.]]></given-names>
</name>
<name>
<surname><![CDATA[Moniruzzaman]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Nazreen]]></surname>
<given-names><![CDATA[T.C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The role of financial behaviour, financial literacy, and financial stress in explaining the financial well-being of B40 group in Malaysia]]></article-title>
<source><![CDATA[Future Business Journal]]></source>
<year>2021</year>
<volume>7</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>1-18</page-range></nlm-citation>
</ref>
<ref id="B39">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Manzano]]></surname>
<given-names><![CDATA[A.P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Introducción a los modelos de ecuaciones estructurales]]></article-title>
<source><![CDATA[Investigación en Educación Médica]]></source>
<year>2018</year>
<volume>7</volume>
<numero>25</numero>
<issue>25</issue>
<page-range>67-72</page-range></nlm-citation>
</ref>
<ref id="B40">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Méndez Prado]]></surname>
<given-names><![CDATA[S.M.]]></given-names>
</name>
<name>
<surname><![CDATA[Chiluiza]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Everaert]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Valcke]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Design and evaluation among young adults of a financial literacy scale focused on key financial decisions]]></article-title>
<source><![CDATA[Education Sciences]]></source>
<year>2022</year>
<volume>12</volume>
<numero>7</numero>
<issue>7</issue>
<page-range>1-18</page-range></nlm-citation>
</ref>
<ref id="B41">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Méndez Prado]]></surname>
<given-names><![CDATA[S.M.]]></given-names>
</name>
<name>
<surname><![CDATA[Zambrano Franco]]></surname>
<given-names><![CDATA[M.J.]]></given-names>
</name>
<name>
<surname><![CDATA[Zambrano Zapata]]></surname>
<given-names><![CDATA[S.G.]]></given-names>
</name>
<name>
<surname><![CDATA[Chiluiza García]]></surname>
<given-names><![CDATA[K.M.]]></given-names>
</name>
<name>
<surname><![CDATA[Everaert]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Valcke]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A Systematic review of financial literacy research in Latin America and the Caribbean]]></article-title>
<source><![CDATA[Sustainability]]></source>
<year>2022</year>
<volume>14</volume>
<numero>3814</numero>
<issue>3814</issue>
<page-range>1-43</page-range></nlm-citation>
</ref>
<ref id="B42">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Nanziri]]></surname>
<given-names><![CDATA[E.L.]]></given-names>
</name>
<name>
<surname><![CDATA[Leibbrandt]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Measuring and profiling financial literacy in South Africa]]></article-title>
<source><![CDATA[South African Journal of Economic and Management Sciences]]></source>
<year>2018</year>
<volume>21</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>1-17</page-range></nlm-citation>
</ref>
<ref id="B43">
<nlm-citation citation-type="">
<collab>OCDE</collab>
<source><![CDATA[Reporte PISA 2012 Results: Students and Money: Financial Literacy Skills for the 21st Century]]></source>
<year>2014</year>
</nlm-citation>
</ref>
<ref id="B44">
<nlm-citation citation-type="">
<collab>OCDE</collab>
<source><![CDATA[Reporte OECD/INFE Toolkit for measuring Financial Literacy and Financial Inclusion 2022]]></source>
<year>2022</year>
</nlm-citation>
</ref>
<ref id="B45">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Oehler]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Horn]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Wendt]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Reisch]]></surname>
<given-names><![CDATA[L.A.]]></given-names>
</name>
<name>
<surname><![CDATA[Walker]]></surname>
<given-names><![CDATA[T.J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Young adults and their finances: An international comparative study on applied financial literacy]]></article-title>
<source><![CDATA[Economic Notes]]></source>
<year>2017</year>
<volume>47</volume>
<page-range>305-30</page-range></nlm-citation>
</ref>
<ref id="B46">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Oviedo]]></surname>
<given-names><![CDATA[H.C.]]></given-names>
</name>
<name>
<surname><![CDATA[Campo Arias]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Aproximación al uso del coeficiente alfa de Cronbach]]></source>
<year>2005</year>
<volume>34</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>572-80</page-range></nlm-citation>
</ref>
<ref id="B47">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Parul]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Aminul]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Pillai]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Sharif]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Analysing the behavioural, psychological, and demographic determinants of financial decision making of household investors]]></article-title>
<source><![CDATA[Heliyon]]></source>
<year>2023</year>
<volume>9</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>1-16</page-range></nlm-citation>
</ref>
<ref id="B48">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Pavkovi&#263;]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[An&#273;elinovi&#263;]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Mi&#353;evi&#263;]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Measuring financial literacy of university students]]></article-title>
<source><![CDATA[Croatian Operational Reseach Review]]></source>
<year>2018</year>
<volume>9</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>87-97</page-range></nlm-citation>
</ref>
<ref id="B49">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Potrich]]></surname>
<given-names><![CDATA[A.C.G.]]></given-names>
</name>
<name>
<surname><![CDATA[Vieira]]></surname>
<given-names><![CDATA[K.M.]]></given-names>
</name>
<name>
<surname><![CDATA[Mendes-Da-Silva]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Development of a financial literacy model for university students]]></article-title>
<source><![CDATA[Management Research Review]]></source>
<year>2016</year>
<volume>39</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>356-76</page-range></nlm-citation>
</ref>
<ref id="B50">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Potrich]]></surname>
<given-names><![CDATA[A.C.G.]]></given-names>
</name>
<name>
<surname><![CDATA[Vieira]]></surname>
<given-names><![CDATA[K.M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Demystifying financial literacy: A behavioral perspective analysis]]></article-title>
<source><![CDATA[Management Research Review]]></source>
<year>2018</year>
<volume>41</volume>
<numero>9</numero>
<issue>9</issue>
<page-range>1047-68</page-range></nlm-citation>
</ref>
<ref id="B51">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Potrich]]></surname>
<given-names><![CDATA[A. C.G.]]></given-names>
</name>
<name>
<surname><![CDATA[Vieira]]></surname>
<given-names><![CDATA[K.M.]]></given-names>
</name>
<name>
<surname><![CDATA[Kirch]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[How well do women do when it comes to financial literacy? Proposition of an indicator and analysis of gender differences]]></article-title>
<source><![CDATA[Journal of Behavioral and Experimental Finance]]></source>
<year>2018</year>
<volume>17</volume>
<page-range>28-41</page-range></nlm-citation>
</ref>
<ref id="B52">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Quero Virla]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Confiabilidad y coeficiente alpha de Cronbach]]></article-title>
<source><![CDATA[Revista de Estudios Interdisciplinarios en Ciencias Sociales]]></source>
<year>2010</year>
<volume>12</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>248-52</page-range></nlm-citation>
</ref>
<ref id="B53">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rani]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Neha]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Potential sub-topics and tends topics in financial literacy: A bibliometric analysis]]></article-title>
<source><![CDATA[Accounting and Finance Review]]></source>
<year>2022</year>
<volume>10</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>35-52</page-range></nlm-citation>
</ref>
<ref id="B54">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Remund]]></surname>
<given-names><![CDATA[D.L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy explicated: The case for a clearerdefinition in an increasingly complex economy]]></article-title>
<source><![CDATA[Journal of Consumer Affairs]]></source>
<year>2010</year>
<volume>44</volume>
<page-range>271-429</page-range></nlm-citation>
</ref>
<ref id="B55">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ruiz]]></surname>
<given-names><![CDATA[M.A.]]></given-names>
</name>
<name>
<surname><![CDATA[Pardo]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Martín]]></surname>
<given-names><![CDATA[R.S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Modelos de ecuaciones estructurales]]></article-title>
<source><![CDATA[Papeles del Psicólogo]]></source>
<year>2010</year>
<volume>31</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>34-45</page-range></nlm-citation>
</ref>
<ref id="B56">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Santoyo Ledesma]]></surname>
<given-names><![CDATA[D.S.]]></given-names>
</name>
<name>
<surname><![CDATA[Luna Nemecio]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Experiencia exploratoria de validación de un instrumento sobre nivel de cultura financiera en la generación millennial]]></article-title>
<source><![CDATA[Revista de Métodos Cuantitativos para la Economía y la Empresa]]></source>
<year>2021</year>
<volume>31</volume>
<page-range>226-39</page-range></nlm-citation>
</ref>
<ref id="B57">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Stolper]]></surname>
<given-names><![CDATA[O.A.]]></given-names>
</name>
<name>
<surname><![CDATA[Walter]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy, financial advice, and financial behavior]]></article-title>
<source><![CDATA[Journal of Business Economics]]></source>
<year>2017</year>
<volume>87</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>581-643</page-range></nlm-citation>
</ref>
<ref id="B58">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Tang]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
<name>
<surname><![CDATA[Baker]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Self-esteem, financial knowledge and financial behavior]]></article-title>
<source><![CDATA[Journal of Economic Psychology]]></source>
<year>2016</year>
<volume>54</volume>
<page-range>164-76</page-range></nlm-citation>
</ref>
<ref id="B59">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[van Rooij]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Alessie]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy and stock market participation]]></article-title>
<source><![CDATA[Journal of Financial Economics]]></source>
<year>2021</year>
<volume>101</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>449-72</page-range></nlm-citation>
</ref>
<ref id="B60">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Vieira]]></surname>
<given-names><![CDATA[K.M.]]></given-names>
</name>
<name>
<surname><![CDATA[Bressan]]></surname>
<given-names><![CDATA[A.A.]]></given-names>
</name>
<name>
<surname><![CDATA[Fraga]]></surname>
<given-names><![CDATA[L.S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial well-being of the beneficiaries of the Minha Casa Minha Vida program: Perception and antecedents]]></article-title>
<source><![CDATA[Revista de Administração Mackenzie]]></source>
<year>2021</year>
<volume>22</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>1-40</page-range></nlm-citation>
</ref>
<ref id="B61">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Vieira]]></surname>
<given-names><![CDATA[K.M.]]></given-names>
</name>
<name>
<surname><![CDATA[Moreira Júnior]]></surname>
<given-names><![CDATA[F.J.]]></given-names>
</name>
<name>
<surname><![CDATA[Potrich]]></surname>
<given-names><![CDATA[A.C.G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Measuring financial literacy: Proposition of an instrument based on the Item Response Theory]]></article-title>
<source><![CDATA[Logo Ciência e Natura]]></source>
<year>2020</year>
<volume>42</volume>
<page-range>1-34</page-range></nlm-citation>
</ref>
<ref id="B62">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Vieira]]></surname>
<given-names><![CDATA[K.M.]]></given-names>
</name>
<name>
<surname><![CDATA[Potrich]]></surname>
<given-names><![CDATA[A.C.G.]]></given-names>
</name>
<name>
<surname><![CDATA[Mendes-Da-Silva]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A financial literacy model for university students]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Mendes-Da-Silva]]></surname>
<given-names><![CDATA[W.]]></given-names>
</name>
</person-group>
<source><![CDATA[Individual Behaviors and Technologies for Financial Innovations]]></source>
<year>2018</year>
<publisher-name><![CDATA[Springer]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B63">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Villagómez]]></surname>
<given-names><![CDATA[F.A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Alfabetismo financiero en jóvenes preparatorianos en la Zona Metropolitana del Valle de México]]></article-title>
<source><![CDATA[El Trimestre Económico]]></source>
<year>2016</year>
<volume>83</volume>
<numero>331</numero>
<issue>331</issue>
<page-range>677-706</page-range></nlm-citation>
</ref>
<ref id="B64">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Warmath]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Zimmerman]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial literacy as more than knowledge: The development of a formative scale through the lens of bloom&#8217;s domains of knowledge]]></article-title>
<source><![CDATA[Journal of Consumer Affairs]]></source>
<year>2019</year>
<volume>53</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>1602-29</page-range></nlm-citation>
</ref>
<ref id="B65">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[J.J.]]></given-names>
</name>
<name>
<surname><![CDATA[Ahn]]></surname>
<given-names><![CDATA[S.Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Serido]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Shim]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Earlier financial literacy and later financial behaviour of college students]]></article-title>
<source><![CDATA[International Journal of Cosumer Studies]]></source>
<year>2014</year>
<volume>38</volume>
<numero>6</numero>
<issue>6</issue>
<page-range>593-601</page-range></nlm-citation>
</ref>
<ref id="B66">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Xiao]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[When financial literacy meets textual analysis: A conceptual review]]></article-title>
<source><![CDATA[Journal of Behavioral and Experimental Finance]]></source>
<year>2020</year>
<volume>28</volume>
<numero>100402</numero>
<issue>100402</issue>
<page-range>1-53</page-range></nlm-citation>
</ref>
<ref id="B67">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Yakoboski]]></surname>
<given-names><![CDATA[P.J.]]></given-names>
</name>
<name>
<surname><![CDATA[Lusardi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Hasler]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Reporte Financial Well-Being and Literacy in a High-Inflation Environment: The 2023 TIAA Institute-GFLEC Personal Finance Index]]></source>
<year>2023</year>
</nlm-citation>
</ref>
<ref id="B68">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Yuan]]></surname>
<given-names><![CDATA[K.H.]]></given-names>
</name>
<name>
<surname><![CDATA[Bentler]]></surname>
<given-names><![CDATA[P.M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Normal theory based test statistics in structural equation modelling]]></article-title>
<source><![CDATA[The British Journal of Mathematical Statistical Psichology]]></source>
<year>1998</year>
<volume>51</volume>
<page-range>289-309</page-range></nlm-citation>
</ref>
</ref-list>
</back>
</article>
