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Abstract(s)
A importância da literacia financeira tem vindo a ganhar relevância na sociedade, estudos evidenciam que indivíduos com níveis superiores de literacia e educação financeira tendem a tomar decisões mais informadas e a realizar planeamento a longo prazo, o que impacta diretamente a estabilidade financeira como o bem-estar financeiro.
Este estudo visa investigar a importância da literacia financeira e como o consumo de conteúdo fornecido por influenciadores financeiros digitais sejam eles credenciados ou independentes e por consequência verificar se a informatividade tem impacto na consciencialização financeira digital, na experiência financeira digital e no conhecimento financeiro digital.
A metodologia envolveu uma revisão da literatura que permitiu construir um modelo conceptual e formular hipóteses, seguida por um estudo empírico quantitativo. Este estudo utilizou um questionário lançado de forma convencional. Os dados foram analisados com os programas estatísticos SPSS 24.0 e AMOS-SEM 20.0, que ajudaram a validar o modelo conceptual e testar as hipóteses.
Os resultados obtidos confirmam que a qualidade da informação fornecida, a informatividade, é um fator determinante para a eficácia da comunicação financeira, independentemente da origem do influenciador. Esta conclusão desafia a visão de que apenas fontes credenciadas são confiáveis, destacando a importância da clareza, precisão e relevância das informações para o público-alvo. A análise também revelou que não há distinção clara entre a eficácia de influenciadores credenciados e independentes na promoção da literacia financeira.
The importance of financial literacy has been gaining relevance in society, with studies demonstrating that individuals with higher levels of literacy and financial education tend to make more informed decisions and engage in long-term planning, directly impacting their financial stability and financial well-being. This study aims to investigate the significance of financial literacy and how the consumption of content provided by digital financial influencers, whether accredited or independent, influences informativeness. Consequently, it seeks to determine if informativeness has an impact on digital financial awareness, digital financial experience, and digital financial knowledge. The methodology involved a literature review that enabled the construction of a conceptual model and formulation of hypotheses, followed by a quantitative empirical study. A conventional questionnaire was used for data collection. Data were analyzed using the statistical software SPSS 24.0 and AMOS-SEM 20.0, which helped validate the conceptual model and test the hypotheses. The results confirmed that the quality of information provided (informativeness) is a determining factor for the effectiveness of financial communication, regardless of the influencer's background. This conclusion challenges the view that only accredited sources are reliable, emphasizing the importance of clarity, accuracy, and relevance of information for the target audience. The analysis also revealed that there is no clear distinction in the effectiveness between accredited and independent influencers in promoting financial literacy.
The importance of financial literacy has been gaining relevance in society, with studies demonstrating that individuals with higher levels of literacy and financial education tend to make more informed decisions and engage in long-term planning, directly impacting their financial stability and financial well-being. This study aims to investigate the significance of financial literacy and how the consumption of content provided by digital financial influencers, whether accredited or independent, influences informativeness. Consequently, it seeks to determine if informativeness has an impact on digital financial awareness, digital financial experience, and digital financial knowledge. The methodology involved a literature review that enabled the construction of a conceptual model and formulation of hypotheses, followed by a quantitative empirical study. A conventional questionnaire was used for data collection. Data were analyzed using the statistical software SPSS 24.0 and AMOS-SEM 20.0, which helped validate the conceptual model and test the hypotheses. The results confirmed that the quality of information provided (informativeness) is a determining factor for the effectiveness of financial communication, regardless of the influencer's background. This conclusion challenges the view that only accredited sources are reliable, emphasizing the importance of clarity, accuracy, and relevance of information for the target audience. The analysis also revealed that there is no clear distinction in the effectiveness between accredited and independent influencers in promoting financial literacy.
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Keywords
Literacia financeira Informatividade Influenciadores financeiros Bem-estar financeiro Financial literacy Financial well being Informativeness Financial influencers