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Bandura, A. (1998). Health promotion from the perspective of social
cognitive theory. Psychology and Health, 623–649.
Bandura, A. (1991). Social cognitive theory of self-regulation.
Organizational Behavior and Human Decision Processes, 248–287.
Bandura, A. (1986). Social foundations of thought and action: A social
cognitive theory. Englewood Cliff: NJ: Prentice-Hall (1986).
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financial consumption behaviour. International Journal of Consumer, 43, 102–112. https://doi.org/10.1111/ijcs.12489.
Barbić, D. (2017). Investigating the role of financial knowledge,
financial skills and behavioral control in explaining individuals’
successfulness in managing personal finances. In Proceeding of 4th
International Conference on Humanities, Social Sciences and
Education (pp. 22–27).
Bernheim, B., & Garrett, D. (1996). The determinants and consequences of financial education in the workplace: Evidence from a
survey of households (Working Paper No. 5667). National Bureau
of Economic Research.
Borden, L., Lee, S., Seido, J., & Collins, D. (2008). Changing college
students’ financial knowledge, attitudes, and behavior through
seminar participation. Journal of Family Economic Issues, 29, 23–40.
Boyce, L. B., & Danes, S. M. (1998). Evaluation of the NEFE high
school financial planning program. National Endowment for
Financial Education.
Braunstein, S., & Welch, C. (2002). Financial literacy: An overview of
practice, research and policy. Federal Reserve Bulletin, 445–457.
Brown, M., & Graf, R. (2013). Financial literacy and retirement
planning in Switzerland. Numeracy, 6(2), Article 6.
Chang, R. Y., & Hanna, S. (1992). Consumer credit search behavior.
Journal of Consumer, 4, 207–227.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial
literacy among college students. Financial Services Review, 7, 107–
128.
Cvrlje, D. (2014). Povezanost koncepta financijske pismenosti s
uspješnošću u upravljanju osobnim financijama (Linking the
concept of financial literacy with the successfulness in managing
personal finances). Faculty of Economics and Business, University
of Zagreb, Doctoral dissertation.
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Sage.
Fiske, S. T., & Taylor, S. E. (1991). Social cognition. New York:
McGraw Hill Inc.
Franz, S. (2004). Grundlagen des ökonomischen Ansatzes: das
Erklärungskonzept des Homo Oeconomicus. Working Paper, Potsdam University (2004).
Grable, J. E., & Joo, S. (2004). An exploratory framework of the
determinants of financial satisfaction. Journal of Family and
Economic Issues, 25.
Grohmann, A. (2017). Financial literacy and financial behavior:
Evidence from the emerging Asian middle class (DIW Discussion
Papers, No. 1702). Deutsches Institut für Wirtschaftsforschung
(DIW), Berlin (2017).
Hilgert, M., Hogarth, J., & Beverly, S. (2003). Household financial
management: The connection between knowledge and behavior.
Federal Reserve Bulletin, 309–322.
Hira, T., & Mugenda, O. (1999). Do men and women differ in their
financial beliefs and behaviors? In K. Kitt (Ed.), Proceedings of
Eastern Family Economics Resource Management Association
(pp. 1–8).
Hutcheson, G., & Sofroniou, N. (1999). The multivariate social
scientist. London: Sage.
Kahneman, D. (2003). Maps of bounded rationality: psychology for
behavioral economics. The American Economic Review, 93, 1449–
1475.
Kennedy, P. (2008). Guide to econometrics (6th ed.). Oxford:
Blackwell Publishing.
Kinnear, P., & Gray, C. D. (2000). SPSS for windows made simple.
Taylor & Francis, UK: Psychology Press.
Liebermann, Y., & Flint-Goor, A. (1996). Message strategy by
product-class type: A matching model. International Journal of
Research in Marketing, 16, 11–21.
Lusardi, A., & Mitchell, O. (2011). Financial literacy and planning:
Implications for retirement wellbeing. NBER Working Paper
(2011).
Mandell, L. (2008). Financial literacy of high school students.
In J. J. Xiao (Ed.), Handbook of Consumer Finance Research.
New York, NY: Springer.
Mandell, L., & Schmid Klein, L. (2007). Motivation and financial
literacy. Financial Services Review, 105–116.
Mandell, L. (2004). Financial literacy: Are we improving? Washington D.C.: Jump Start Coalition for Personal Financial Literacy.
Mandell, L. (1997). Personal financial survey of high school seniors
financial literacy. Washington D.C.: Jump Start Coalition.
Nysveen, H., Pedersen, P., & Thorbjørnsen, H. (2005). Intentions to use
mobile services: Antecedents and cross-service comparisons. Journal of the Academy of Marketing Science, 330–346.
Onkvisit, S., & Shaw, J. J. (1997). International marketing analysis and
strategy. India: Prentice-Hall.
Perry, V., & Morris, M. (2005). Who is in control? The role of
self-perception, knowledge, and income in explaining consumer
financial behavior. The Journal of Consumer Affairs, 39, 299–313.
Robb, C. A., & Woodyard, A. S. (2011). Financial knowledge and best
practice behavior. Journal of Financial Counseling and Planning,
22, 60–70.
Schuchardt, J. (1998). Study shows teens respond well to financial
education. Journal of Family, 4, 69–70.
Stanovich, K. E., & West, R. (2000). Individual differences in
reasoning: implications for the rationality debate? Behavioral and
Brain Sciences, 23, 645–665.
Tabachnick, B. G., & Fidell, L. S. (2007). Using multivariate statistics
(5th ed.). Boston: Allyn & Bacon.
Taylor, D., & Overbey, G. (1999). Financial practices and expectations
of student and non-student consumers. Journal of Family and
Consumer Sciences, 4, 39–42.
254
I. Palić et al.
School Review, 1–7.
Armitage, C. J., & Conner, M. (1999). Distinguishing perceptions of
control from self-efficacy: Predicting consumption of a low-fat diet
using the theory of planned behavior. Journal of Applied Social
Psychology, 72–90.
Bandura, A. (1998). Health promotion from the perspective of social
cognitive theory. Psychology and Health, 623–649.
Bandura, A. (1991). Social cognitive theory of self-regulation.
Organizational Behavior and Human Decision Processes, 248–287.
Bandura, A. (1986). Social foundations of thought and action: A social
cognitive theory. Englewood Cliff: NJ: Prentice-Hall (1986).
Barbić, D., Lučić, A., & Chen, J. M. (2018). Measuring responsible
financial consumption behaviour. International Journal of Consumer, 43, 102–112. https://doi.org/10.1111/ijcs.12489.
Barbić, D. (2017). Investigating the role of financial knowledge,
financial skills and behavioral control in explaining individuals’
successfulness in managing personal finances. In Proceeding of 4th
International Conference on Humanities, Social Sciences and
Education (pp. 22–27).
Bernheim, B., & Garrett, D. (1996). The determinants and consequences of financial education in the workplace: Evidence from a
survey of households (Working Paper No. 5667). National Bureau
of Economic Research.
Borden, L., Lee, S., Seido, J., & Collins, D. (2008). Changing college
students’ financial knowledge, attitudes, and behavior through
seminar participation. Journal of Family Economic Issues, 29, 23–40.
Boyce, L. B., & Danes, S. M. (1998). Evaluation of the NEFE high
school financial planning program. National Endowment for
Financial Education.
Braunstein, S., & Welch, C. (2002). Financial literacy: An overview of
practice, research and policy. Federal Reserve Bulletin, 445–457.
Brown, M., & Graf, R. (2013). Financial literacy and retirement
planning in Switzerland. Numeracy, 6(2), Article 6.
Chang, R. Y., & Hanna, S. (1992). Consumer credit search behavior.
Journal of Consumer, 4, 207–227.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial
literacy among college students. Financial Services Review, 7, 107–
128.
Cvrlje, D. (2014). Povezanost koncepta financijske pismenosti s
uspješnošću u upravljanju osobnim financijama (Linking the
concept of financial literacy with the successfulness in managing
personal finances). Faculty of Economics and Business, University
of Zagreb, Doctoral dissertation.
Field, A. (2011). Discovering statistics using SPSS (3rd ed.). London:
Sage.
Fiske, S. T., & Taylor, S. E. (1991). Social cognition. New York:
McGraw Hill Inc.
Franz, S. (2004). Grundlagen des ökonomischen Ansatzes: das
Erklärungskonzept des Homo Oeconomicus. Working Paper, Potsdam University (2004).
Grable, J. E., & Joo, S. (2004). An exploratory framework of the
determinants of financial satisfaction. Journal of Family and
Economic Issues, 25.
Grohmann, A. (2017). Financial literacy and financial behavior:
Evidence from the emerging Asian middle class (DIW Discussion
Papers, No. 1702). Deutsches Institut für Wirtschaftsforschung
(DIW), Berlin (2017).
Hilgert, M., Hogarth, J., & Beverly, S. (2003). Household financial
management: The connection between knowledge and behavior.
Federal Reserve Bulletin, 309–322.
Hira, T., & Mugenda, O. (1999). Do men and women differ in their
financial beliefs and behaviors? In K. Kitt (Ed.), Proceedings of
Eastern Family Economics Resource Management Association
(pp. 1–8).
Hutcheson, G., & Sofroniou, N. (1999). The multivariate social
scientist. London: Sage.
Kahneman, D. (2003). Maps of bounded rationality: psychology for
behavioral economics. The American Economic Review, 93, 1449–
1475.
Kennedy, P. (2008). Guide to econometrics (6th ed.). Oxford:
Blackwell Publishing.
Kinnear, P., & Gray, C. D. (2000). SPSS for windows made simple.
Taylor & Francis, UK: Psychology Press.
Liebermann, Y., & Flint-Goor, A. (1996). Message strategy by
product-class type: A matching model. International Journal of
Research in Marketing, 16, 11–21.
Lusardi, A., & Mitchell, O. (2011). Financial literacy and planning:
Implications for retirement wellbeing. NBER Working Paper
(2011).
Mandell, L. (2008). Financial literacy of high school students.
In J. J. Xiao (Ed.), Handbook of Consumer Finance Research.
New York, NY: Springer.
Mandell, L., & Schmid Klein, L. (2007). Motivation and financial
literacy. Financial Services Review, 105–116.
Mandell, L. (2004). Financial literacy: Are we improving? Washington D.C.: Jump Start Coalition for Personal Financial Literacy.
Mandell, L. (1997). Personal financial survey of high school seniors
financial literacy. Washington D.C.: Jump Start Coalition.
Nysveen, H., Pedersen, P., & Thorbjørnsen, H. (2005). Intentions to use
mobile services: Antecedents and cross-service comparisons. Journal of the Academy of Marketing Science, 330–346.
Onkvisit, S., & Shaw, J. J. (1997). International marketing analysis and
strategy. India: Prentice-Hall.
Perry, V., & Morris, M. (2005). Who is in control? The role of
self-perception, knowledge, and income in explaining consumer
financial behavior. The Journal of Consumer Affairs, 39, 299–313.
Robb, C. A., & Woodyard, A. S. (2011). Financial knowledge and best
practice behavior. Journal of Financial Counseling and Planning,
22, 60–70.
Schuchardt, J. (1998). Study shows teens respond well to financial
education. Journal of Family, 4, 69–70.
Stanovich, K. E., & West, R. (2000). Individual differences in
reasoning: implications for the rationality debate? Behavioral and
Brain Sciences, 23, 645–665.
Tabachnick, B. G., & Fidell, L. S. (2007). Using multivariate statistics
(5th ed.). Boston: Allyn & Bacon.
Taylor, D., & Overbey, G. (1999). Financial practices and expectations
of student and non-student consumers. Journal of Family and
Consumer Sciences, 4, 39–42.
254
I. Palić et al.