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C2a Financial Socialisation of Australian University Students: Differences in Gender
Key Words
financial socialisation, financial literacy, gender, students
Short Description
In recent decades lower levels of financial literacy of females relative to males has been well documented. Understanding the gender gap in financial literacy is an important research objective and is central to the development of interventions to narrow the gender gap, improve the economic and financial security of women and support other social and economic outcomes linked to financial literacy. This paper uses a survey of 268 Australian university students to examine the relationship between components of financial literacy and financial socialisation. Financial literacy is measured using responses to the "big three" financial literacy questions and financial socialisation metrics include the responses to questions on self-assessed confidence with managing finances, the volume of advice from others, the frequency of money conversations in the home and a set of personal characteristics. Canonical correlation analysis as well as inspection of the descriptive statistics show financial educators and policymakers that more attention needs to focus on teaching concepts of diversification and inflation. It also provides insight into women's self-assessed confidence, where they source financial information from and how frequently they have had money conversations in the home, compared to men.
First & Corresponding Author
Tracey West, Griffith University
Authors in the order to be printed
Tracey West, Laura deZwaan