October 12, 2025SustainabilityOpen Access

Digital Financial Services and Sustainable Development: Temporal Trade-Offs and the Moderating Role of Financial Literacy

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Discussion

Analysis reveals how digital financial services shape financial behaviors in adults, highlighting financial literacy's moderating role.

MFS usage negatively impacts short-term financial behaviors, such as spending control and emergency preparedness.
Long-term financial behaviors, including retirement planning and investment participation, are positively influenced by MFS usage.
Objective knowledge of financial literacy offers protective benefits against short-term financial risks.
Perceived ability in financial literacy may worsen adverse short-term effects of MFS usage.

Han et al. (2025) studied this question.

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