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:: Volume 10, Issue 19 (9-2025) ::
aapc 2025, 10(19): 281-323 Back to browse issues page
Investigating the relationship between financial socialization and perceived usefulness of financial technology with financial behavior considering the mediating role of financial literacy
Mosarreza Zanganeh *1 , Azam Zangane2
1- Assistant Professor, Department of Accounting, Payam Noor University, Tehran, Iran (Corresponding Author) , zanganeh@pnu.ac.ir
2- PhD in management, employee of the General Administration of Economy and Finance of Golestan province, Iran, Zanganeh-7605@yahoo.com
Abstract:   (240 Views)
Financial socialization, financial literacy, and perceived usefulness of financial technology are very important for fostering financial behavior. Effective financial socialization in the family can increase an individual's financial literacy, which subsequently leads to improved financial decision-making and financial behaviors. In fact, the interaction between financial socialization and financial literacy is crucial for improving individual financial behavior. Financial socialization is a fundamental element that shapes individuals' financial behavior and can improve individuals' financial behavior by cultivating positive financial habits such as effective social practices. The main objective of this study is to investigate the relationship between financial socialization and perceived usefulness of financial technology with financial behavior, considering the mediating role of financial literacy. The research method is descriptive and correlational and was implemented in the field. The statistical population of the present study includes all employees of the financial department of the Golestan Province Tax Office, 400 people. In this study, simple random sampling method was used. And according to Morgan's table, the sample size was determined as 196 people. A questionnaire was used to collect information and measure research variables. Descriptive and inferential statistics were used to analyze the data and examine the research hypotheses, in which factor analysis was performed with SPSS software and analysis of research hypotheses using the structural equation method. The results obtained from the research findings also indicate a significant relationship between financial socialization and perceived usefulness of financial technology with financial behavior, considering the mediating role of financial literacy. In explaining the above result, it can be stated that financial socialization means empowering individuals to better understand and manage their financial affairs. This concept includes a set of processes and trainings that aim to improve financial knowledge and individuals' abilities in facing everyday financial challenges.
 
Keywords: Financial socialization, financial technology, financial behavior
Full-Text [PDF 1568 kb]   (47 Downloads)    
Type of Study: Research | Subject: Special
Received: 2025/07/15 | Accepted: 2025/09/22 | Published: 2026/05/6
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zanganeh M, zangane A. Investigating the relationship between financial socialization and perceived usefulness of financial technology with financial behavior considering the mediating role of financial literacy. aapc 2025; 10 (19) :281-323
URL: http://aapc.khu.ac.ir/article-1-1355-en.html
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Volume 10, Issue 19 (9-2025) Back to browse issues page
دوفصلنامه علمی حسابداری ارزشی و رفتاری journal of Value & Behavioral Accounting
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