Fintech, dân trí tài chính và thịnh vượng tài chính của người Việt Nam đi làm việc tại nước ngoài
Từ khóa:
Dân trí tài chính, giáo dục tài chính, thịnh vượng tài chính, hành vi sử dụng FintechTóm tắt
Nghiên cứu này nhằm đánh giá các yếu tố tác động đến thịnh vượng tài chính cá nhân của nhóm đối tượng người Việt Nam đi làm việc tại nước ngoài thông qua việc sử dụng Fintech trong bối cảnh suy thoái kinh tế hiện nay. Dữ liệu được thu thập thông qua khảo sát với 626 quan sát và được phân tích bằng phần mềm SmartPLS 4.0, sử dụng phương pháp mô hình cấu trúc tuyến tính (PLS-SEM) để kiểm định các giả thuyết nghiên cứu. Kết quả nghiên cứu chỉ ra rằng: (1) Hành vi sử dụng Fintech là trung gian toàn phần trong mối quan hệ giữa Dân trí tài chính (FL) và Thịnh vượng tài chính cá nhân (FWB). Trái lại, Hành vi sử dụng Fintech không là trung gian trong mối quan hệ giữa Giáo dục tài chính (FS) và Thịnh vượng tài chính cá nhân (FWB). Bên cạnh đó, dựa vào kết quả nghiên cứu, tác giả cung cấp góc nhìn thực tiễn về vấn đề tính thịnh vượng tài chính ở cấp độ cá nhân ở nhóm đối tượng người Việt Nam sinh sống và làm việc ở nước ngoài, từ đó đưa ra các khuyến nghị có giá trị cho cả người tiêu dùng và doanh nghiệp Fintech trong việc ứng phó với những thách thức kinh tế hiện tại.
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