An integrated model of financial socialization, technology, and financial capability in predicting financial well-being

Nguyen Quoc Anh

PLOS One · 2026-03-24
Research article · Published full-text version held by Europe PMC · CC BY 4.0 · 4,733 words

Original source: Volume 21 · Issue 3

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Title: An integrated model of financial socialization, technology, and financial capability in predicting financial well-being
Authors / creators: Nguyen Quoc Anh
Source: Complete manuscript edition 2026-11-05
Editorial record: Attributed Creative Commons source edition. Original publication and authorship remain with the source. Hosting is not a new peer-review decision.

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Original authors / creators: Nguyen Quoc Anh
Original publication: PLOS One · PLOS · 2026-03-24
Source & version: Authoritative source ↗ · Published full-text version held by Europe PMC
doi:10.1371/journal.pone.0340002
License & retained notices: CC BY 4.0
© 2026 Nguyen Quoc Anh
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This is an open access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited. Article-specific license URI: https://creativecommons.org/licenses/by/4.0/
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Evidence limits: Adjacent research, not a directly sampled family-office study. Applicability to a family office requires separate assessment. This study has several limitations. The cross-sectional design only shows associations, not causality. Future research should use longitudinal or panel data to examine changes in financial behaviour and well-being over time, especially as AI tools evolve. The study relies on self-reported responses, which may be affected by recall errors or social desirability. Future work could use objective data, such as digital transaction records or app usage logs, to verify reported behaviour and reduce common method bias. The use of purposive and convenience sampling in Vietnam also limits generalisability. The results may reflect local cultural and economic conditions, and the relationships may differ in countries with different levels of digital development or access to technology. Future studies should apply probability sampling and test the model in other national contexts. Finally, the small moderating effects of financial literacy and digital trust suggest that other factors, such as algorithmic literacy or risk tolerance, should be examined in future research.
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