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