Article: Development of a financial behaviour model: a PLS-SEM approach Journal: International Journal of Business and Emerging Markets (IJBEM) 2025 Vol.17 No.7 pp.1 - 14 Abstract: This study investigates the influence of financial knowledge, financial attitude, and financial technology on individuals' financial behaviour within the context of an increasingly digital financial environment. Data were collected through a structured online survey administered between June and July 2024. The questionnaire comprised two main sections: demographic information and measurement items related to the proposed constructs. To test the hypothesised relationships, partial least squares structural equation modelling (PLS-SEM) and the PLS predict technique were employed. The findings provide empirical support for all three hypotheses, indicating that financial knowledge, financial attitude, and financial technology each have a direct and positive effect on financial behaviour. The study contributes to the existing literature on financial behaviour and offers practical implications for educators, policymakers, and fintech developers aiming to promote financial well-being through targeted interventions and digital innovation. Inderscience Publishers - linking academia, business and industry through research

Title: Development of a financial behaviour model: a PLS-SEM approach

Authors: Lorena Çakërri; Migena Petanaj; Evgjeni Xhafaj

Addresses: Faculty of Economy, University of Vlora 'Ismail Qemali', Vlora, Albania ' Faculty of Economy, University of Vlora 'Ismail Qemali', Vlora, Albania ' Department of Mathematical Engineering, Faculty of Mathematics and Physics Engineering, Polytechnic University of Tirana, Bulevardi Dëshmorët e Kombit Nr. 4, Tiranë 1000, Albania

Abstract: This study investigates the influence of financial knowledge, financial attitude, and financial technology on individuals' financial behaviour within the context of an increasingly digital financial environment. Data were collected through a structured online survey administered between June and July 2024. The questionnaire comprised two main sections: demographic information and measurement items related to the proposed constructs. To test the hypothesised relationships, partial least squares structural equation modelling (PLS-SEM) and the PLS predict technique were employed. The findings provide empirical support for all three hypotheses, indicating that financial knowledge, financial attitude, and financial technology each have a direct and positive effect on financial behaviour. The study contributes to the existing literature on financial behaviour and offers practical implications for educators, policymakers, and fintech developers aiming to promote financial well-being through targeted interventions and digital innovation.

Keywords: financial behaviour; FB; financial knowledge; FK; financial attitude; FA; financial technology; PLS-SEM.

DOI: 10.1504/IJBEM.2025.150036

International Journal of Business and Emerging Markets, 2025 Vol.17 No.7, pp.1 - 14

Received: 07 Aug 2025
Accepted: 10 Oct 2025
Published online: 21 Nov 2025 *

Title: Development of a financial behaviour model: a PLS-SEM approach

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