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Finanzielle Allgemeinbildung, Finanzielle Inklusion, FinTech und SDG: Ein holistischer Rahmen

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  • Treu, Johannes

Abstract

Financial literacy, financial inclusion, FinTech, and the UN Sustainable Development Goals (SDGs) have so far only been examined in pairs or individually. A consideration of all four points with their interrelationships and impacts has been lacking. With the help of a deductive argumentative approach, an attempt will be made to take a coherent look at all four aspects. The aim is to develop a holistic framework for achieving the SDGs through financial literacy, financial inclusion, and FinTech. The argumentation shows that there are multi-layered theoretical as well as empirical relationships between all four objects of investigation. A previous silo thinking or a bilateral approach does not go far enough to comprehensively understand the effects. The starting point of a holistic view in this paper is financial literacy because, without it, no positive relationship between financial inclusion, FinTech, and the SDGs can be achieved. Financial literacy thus promotes the use and application of fintech, contributes to financial inclusion, and supports the achievement of the SDGs. The holistic framework can also be used to derive policy recommendations. Decision-makers should take a holistic view of all four points and start with the promotion and expansion of financial education.

Suggested Citation

  • Treu, Johannes, 2023. "Finanzielle Allgemeinbildung, Finanzielle Inklusion, FinTech und SDG: Ein holistischer Rahmen," IU Discussion Papers - Business & Management 2 (April 2023), IU International University of Applied Sciences.
    • Handle: RePEc:zbw:iubhbm:2april2023
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    References listed on IDEAS

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    More about this item

    Keywords

    Finanzielle Allgemeinbildung; Finanzielle Inklusion; FinTech; Finanztechnologie und SDG;
    All these keywords.

    JEL classification:

    • G5 - Financial Economics - - Household Finance
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • O39 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Other

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