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Published Paper Details:
Linking Financial Literacy To Investment Decisions: The Mediating Role Of Narrative Bias
Authors
Johns Jim Jose,Sneha Sebastian
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Keywords
Financial behaviour, financial literacy, Gen Z, investment decisions, investors, narrative bias.
Abstract
This study aims to examine the influence of financial literacy on investment decisions of Gen Z investors and the mediating role of narrative bias in these decisions. Gen Z investors are increasingly becoming engaged in financial markets, but their decisions often do not correlate with their financial literacy, which raises questions about the behavioural determinants driving their decisions. The data were collected from 267 Gen-Z investors using a structured questionnaire. The study analysed the data using the process macro of IBM SPSS to explore the mediating role of narrative bias. The questionnaire was reviewed and tested to make sure it was accurate and reliable before analysing the relationship between the variables. The study finds that narrative bias mediates the relationship between investment decisions and financial literacy among Gen Z. Therefore, it is essential that investors not only focus on financial literacy but also protect themselves against the effects of narrative bias. The results help financial advisors and wealth managers to use strong narratives to protect the clients from falling into the trap of market myths. This result provides policymakers with guidelines to closely monitor the narrative bias created by financial influencers and the media, thereby enhancing investors' protection and confidence.
IJCRT's Publication Details
Unique Identification Number - IJCRT2602663
Paper ID - 302108
Author type - Indian Author
Page Number(s) - f720-f729
Pubished in - Volume 14 | Issue 2 | February 2026
DOI (Digital Object Identifier) -
No Of Downloads - 22
Author Country - India, 560099, Bengaluru, Bengaluru, 560099, Commerce All
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Johns Jim Jose,Sneha Sebastian, "Linking Financial Literacy To Investment Decisions: The Mediating Role Of Narrative Bias", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.14, Issue 2, pp.f720-f729, February 2026, Available at :http://www.ijcrt.org/papers/IJCRT2602663.pdf
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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