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Knowledge and Practice in Cash and Credit Behaviors
Short Abstract
As finanical literacy has grown in interest among researchers, policy makers, and practitioners, applications for finanical services professionals have focused on types of financial knowledge and their impact on specific financial behaviors. This paper looks at a large, national data set to examine subjective and objective knowledge impacts on cash and credit management practices. Using the concept of bounded rationality, it appears that cash managment behaviors are linked to objective financial knowledge while credit behaviors more closely track subjective knowledge. These findings carry implications for further study and potential impacts on policy and practice actions.