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F4a Can FinTech help households save for emergencies? Evidence from debt-burdened families
Short Description
This study investigates fintech use and its applications to households' emergency savings, specifically with attention to financial literacy and debt levels. Using weighted logistic regression from the 2024 National Financial Capability Study, the analysis estimates the factors that increase or decrease the likelihood of maintaining three months of emergency savings. The results show that fintech use alone is not associated with emergency savings. However, financial literacy is strongly associated positively with savings, while debt reduces the likelihood of savings by 14% to 33% as respondents' debt sources increased. Interaction effects show that fintech benefits households with low financial literacy and high debt burdens.
Type of presentation
Accepted Oral Presentation