Does financial literacy matter for firms? An empirical investigation on Sri Lankan SMEs

Geesara Kasthuri Arachchi; Ishan Perera; Chathurya Gamage; Shehara Wijesinghe; Krishantha Wisenthige; Nirmani Dayapathirana

PLOS ONE · 2026-07-21
Research article · Version of record · CC BY 4.0 · 11,503 words

Original source: Volume 21 · Issue 7 · e0354031

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Title: Does financial literacy matter for firms? An empirical investigation on Sri Lankan SMEs
Human authorship: Geesara Kasthuri Arachchi; Ishan Perera; Chathurya Gamage; Shehara Wijesinghe; Krishantha Wisenthige; Nirmani Dayapathirana
Source: Complete manuscript edition 2026-10-29
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Original authors / creators: Geesara Kasthuri Arachchi; Ishan Perera; Chathurya Gamage; Shehara Wijesinghe; Krishantha Wisenthige; Nirmani Dayapathirana
Original publication: PLOS ONE · Public Library of Science · 2026-07-21
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doi:10.1371/journal.pone.0354031
License & retained notices: CC BY 4.0
© 2026 Arachchi et al
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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 href: http://creativecommons.org/licenses/by/4.0/
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Evidence limits: Non-probability sample of264 SME owner-managers in Sri Lanka’s Western Province. Subjective literacy, perceived finance access and adoption intention are not independently verified capability or implemented systems. Cross-sectional mediation does not establish causality.
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