A Dual Approach to Childhood Financial Personality

Németh, Erzsébet and Kálmán, Botond Géza (2024) A Dual Approach to Childhood Financial Personality. JOURNAL OF PSYCHOLOGICAL AND EDUCATIONAL RESEARCH, 32 (1). pp. 170-193. ISSN 2247-1537

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Abstract

In 2018, the Pénziránytű Foundation published an anonymous and voluntarily completed online financial personality test for 12-14 year olds. After completing the test, the respondents receive an immediate assessment of their financial personality traits based on a predetermined framework. The evaluation highlights the respondent's benevolent behaviour and draws attention to areas for change. The test was completed by 15,933 respondents until February 2022. This study was made using the collected responses. We have shown that the development of the financial personality of 12-14-year-old children is determined by six behavioural patterns. The three most powerful of these negatively influence personality development. We also isolated two childhood financial personality types. With this dual approach, we want to promote more differentiated learning content and methods of financial education for this age group.

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