Journal of Financial Literacy (JFL) is an international peer-reviewed academic journal that publishes high-quality research across diverse fields of financial literacy and financial studies, including financial literacy, financial education, personal finance, behavioral finance, financial inclusion, consumer finance, investment literacy, banking literacy, digital finance, financial technology (FinTech), financial decision-making, economics, business, management, accounting, and related interdisciplinary research. The journal aims to provide an inclusive scholarly platform for researchers, academics, educators, practitioners, and policymakers to disseminate original research that contributes to theoretical development, empirical knowledge, financial capability, practical innovation, and solutions to contemporary issues in financial literacy, finance, and economic behavior.

JFL welcomes multidisciplinary and interdisciplinary studies that connect financial literacy, finance, economics, business, management, and accounting to address complex local, national, regional, and global issues. The journal encourages research that integrates perspectives from financial education, behavioral finance, consumer behavior, banking, digital finance, FinTech, investment, economic development, business strategy, management, and accounting. By promoting cross-disciplinary dialogue, JFL seeks to support the advancement of knowledge that is academically rigorous, socially relevant, and beneficial for wider communities.

The scope of Journal of Financial Literacy (JFL) includes, but is not limited to, the following areas:

Financial Literacy and Financial Education

• Financial literacy and financial capability
• Financial education and financial awareness
• Personal finance education
• Financial knowledge, attitude, and behavior
• Financial socialization and financial well-being
• Financial literacy among students, households, workers, and entrepreneurs
• Financial literacy curriculum, training, and intervention programs

Personal Finance and Consumer Finance

• Personal financial planning
• Saving, budgeting, and spending behavior
• Debt management and credit behavior
• Household finance and consumer financial decisions
• Retirement planning and insurance literacy
• Consumer protection and financial vulnerability
• Financial resilience and financial well-being

Behavioral Finance and Financial Decision-Making

• Behavioral finance
• Financial psychology and financial behavior
• Risk perception and investment behavior
• Financial decision-making under uncertainty
• Financial confidence, self-control, and financial anxiety
• Financial habits and behavioral biases
• Financial choices in digital and traditional financial markets

Financial Inclusion, Banking, and Digital Finance

• Financial inclusion and access to financial services
• Banking literacy and banking behavior
• Digital finance and mobile banking
• Financial technology (FinTech) adoption
• Digital payment systems and e-wallet usage
• Islamic financial literacy and inclusive finance
• Financial access for underserved communities and small businesses

Economics, Business, Management, and Accounting

• Financial management
• Business finance and entrepreneurship finance
• Accounting literacy and financial reporting awareness
• Corporate finance education
• Economic behavior and financial development
• Management of financial services
• Financial policy, regulation, and institutional development

The journal accepts original research articles, literature reviews, systematic reviews, bibliometric studies, conceptual papers, case studies, policy papers, and applied research reports. Submissions may use quantitative, qualitative, mixed-method, experimental, comparative, or interdisciplinary approaches, provided that they demonstrate originality, methodological soundness, academic contribution, and relevance to the journal’s focus on financial literacy, finance, and financial behavior.

Journal of Financial Literacy (JFL) particularly encourages manuscripts that address real-world problems and offer meaningful contributions to knowledge, practice, education, financial empowerment, and community development. The journal welcomes studies from various geographical contexts and disciplinary backgrounds, especially research that promotes financial awareness, financial inclusion, responsible financial behavior, digital financial literacy, investment literacy, banking literacy, consumer protection, economic participation, and critical engagement with financial and technological change.