Explorando el Bienestar Financiero: Concepto, Medición y Desafíos Emergentes
DOI:
https://doi.org/10.11565/gesten.v7i2.152Palabras clave:
Bienestar financiero, Psicología económica, Exclusión financiera, Medición psicométrica, Comportamiento financieroResumen
Este artículo examina la evolución teórica del bienestar financiero, destacando su transformación desde una perspectiva centrada exclusivamente en los ingresos y recursos económicos hacia un enfoque multidimensional que integra factores psicológicos, sociales y conductuales. Se revisan diversas definiciones y herramientas de medición, como la escala Personal Financial Wellness (PFW) y modelos conceptuales que incorporan tanto el estado objetivo de los recursos como la satisfacción y percepción subjetiva del individuo . El análisis identifica determinantes clave del bienestar financiero, incluyendo factores socioeconómicos, el rol del estrés financiero y comportamientos como el autocontrol. Finalmente, se discuten desafíos emergentes como la exclusión financiera y el impacto de las Fintech, subrayando la necesidad de enfoques multidisciplinarios para la educación y regulación financiera futura.
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