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2020 Conference

du 18 au 20 May 2020

Proposal authors can use this tool to see where they have been placed in the agenda for a Symposium, an Oral Session, or a Featured Research Session Poster.

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E2c Racial/Ethnic Differences in Consumer Financial Capability: The Role of Financial Education and Financial Anxiety

jeudi 21 mai 2020 à 11:00–12:30 CDT
Room 2
Key Words

Race, Ethnicity, Financial capability, Financial education, Financial Anxiety

Short Description

This study was to examine racial/ethnic differences in consumer financial capability. Extended from previous studies on financial capability, we focused on the role of financial education and financial anxiety as well as other factors explaining the racial/ethnic gaps. Using newly added variables regarding financial education and financial anxiety to the 2018 National Financial Capability Study, we analyzed associations between a set of factors (including financial education and financial anxiety) and financial capability. This study contributes to the existing literature in twofold: First, we identified contributing factors to financial capability gaps, which were understudied in previous research. Second, we considered two factors, financial education and financial anxiety, in explaining the gaps. The results of this study provide insights into the racial/ethnic disparities in financial capability that have implications for consumer policies, education, and research.

First & Corresponding Author

Kyoung Tae Kim, University of Alabama
Authors in the order to be printed

Kyoung Tae Kim, Jing Jian Xiao

Additional Authors

JingJian Xiao, University of Rhode Island
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