Financial Literacy, Credit Decision-Making, and Fintech

Abstract

Financial literacy has evolved from basic financial knowledge into competencies to make financial decisions. Financial literacy is also related to credit decisions and business expansion in creating a resilient business in the long run. However, no specific research paper has done a systematic literature review that discusses this term with credit funding decisions to enhance the business. This article provides the latest linked keywords through VOS viewer visualization to help scholars find a research gap for future research in financial literacy and credit funding decisions. The result found four clusters of keywords regarding financial literacy or credit decisions. Despite many studies on this topic, the linked citation discusses SMEs’ performance, the role of financial inclusion in improving shareholder wealth, and fintech usage in improving financial inclusion. The three interconnected ideas provide a future guideline for scholar to find the latest research gap in this topic.