Digital financial literacy and household consumption: Total expenditure versus consumption structure in China

Yan Shen; Wenxiu Hu; Xin Wang

PLOS One · 2026-09-01
Research article · Version of record · CC BY 4.0 · 8,023 words

Original source: Volume 21 · Issue 9 · e0357484

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Title: Digital financial literacy and household consumption: Total expenditure versus consumption structure in China
Human authorship: Yan Shen; Wenxiu Hu; Xin Wang
Source: Complete manuscript edition 2026-10-29
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Original authors / creators: Yan Shen; Wenxiu Hu; Xin Wang
Original publication: PLOS One · Public Library of Science · 2026-09-01
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doi:10.1371/journal.pone.0357484
License & retained notices: CC BY 4.0
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Evidence limits: Cross-sectional 2019 Chinese household survey; consumption is not welfare or net wealth. Digital financial literacy includes product participation, lacks advanced security/algorithmic competencies, and causal pathways and subgroup portability are not established.
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