What question did this study set out to answer?

February 8, 2026Future Business JournalOpen Access

Digital financial literacy and retirement planning behaviour among Indian millennials: a PLS-SEM study based on the capacity–willingness–opportunity framework

View Full Paper

Ask AI

Bookmark

Authors

DKDeepika Khurana KSKashish SharmaChandigarh University

Discussion

Member takes

Implication

Explores links between digital financial literacy and retirement planning behaviour in Indian millennials, suggesting improvements need motivational support.

Key Points

The research examines the connection between digital financial literacy and retirement planning behaviour in Indian millennials, emphasizing motivational factors.
Utilized survey data from 307 digitally active Indian millennials in Chandigarh
Analyzed data using partial least squares structural equation modelling software SmartPLS
Assessed measurement quality using standard reliability and validity criteria
Explored mediation effects through bootstrapped indirect analysis
Higher levels of digital financial literacy correlate with increased willingness to plan for retirement
Willingness to plan partially mediates the relationship between digital literacy and planning behaviour
Practical implications suggest the need for motivational supports alongside digital financial education.

Cite This Study

Khurana et al. (2026) studied this question.

synapsesocial.com/papers/698829410fc35cd7a8849770 https://doi.org/10.1186/s43093-026-00744-6

View Full Paper

Ask AI

Bookmark

Implication

Explores links between digital financial literacy and retirement planning behaviour in Indian millennials, suggesting improvements need motivational support.

Digital financial literacy and retirement planning behaviour among Indian millennials: a PLS-SEM study based on the capacity–willingness–opportunity framework

Discussion

Member takes

Implication

Key Points

Cite This Study

Digital financial literacy and retirement planning behaviour among Indian millennials: a PLS-SEM study based on the capacity–willingness–opportunity framework

Discussion

Member takes

Implication

Key Points

Cite This Study

Also Consider

Also Consider