As an essential psychological construct, financial self‐efficacy (FSE) has garnered considerable attention in the field of consumer finance and demonstrated its influence on financial outcomes. FSE has been regarded as a learned belief rather than an innate quality that can be nurtured over time. Notwithstanding the increasing significance of understanding consumers' FSE, this particular line of literature has not been examined as an independent research domain. Accordingly, this framework‐based review comprehensively represents the current state of literature on FSE by covering 64 articles published between 1999 and 2023, compiled based on the Scientific Procedures and Rationales for Systematic Literature Reviews protocol and the theory–context–characteristics–methodology framework. Based on the review findings, an integrated model of FSE is proposed, summarizing the study frameworks and constructs employed as antecedents, modifiers, and outcomes in investigating consumer's FSE. Further, the review has identified certain areas that were previously overlooked. As a result, a research agenda has been developed, consisting of 22 research questions and four research objectives, which will articulate the direction for future research. Finally, the paper concludes, signifying the contribution and practical implications for researchers, families, practitioners, and society in selecting the most effective measures for improving consumers' FSE.

中文翻译：

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消费者的财务自我效能：回顾和研究议程

作为一种重要的心理结构，财务自我效能（FSE）在消费金融领域引起了广泛关注，并证明了其对财务结果的影响。FSE一直被认为是一种习得的信念，而不是一种可以随着时间的推移而培养的与生俱来的品质。尽管了解消费者的 FSE 的重要性日益增加，但这一特定文献尚未作为一个独立的研究领域进行审查。因此，这篇基于框架的综述全面代表了 FSE 文献的现状，涵盖了 1999 年至 2023 年间发表的 64 篇文章，这些文章是根据《系统文献综述的科学程序和理由》协议和理论-背景-特征-方法框架编写的。根据综述结果，提出了 FSE 综合模型，总结了调查消费者 FSE 时用作前因、修正因素和结果的研究框架和结构。此外，审查还发现了以前被忽视的某些领域。由此制定了研究议程，其中包括 22 个研究问题和 4 个研究目标，这将阐明未来研究的方向。最后，本文得出结论，表明了研究人员、家庭、从业者和社会在选择提高消费者 FSE 的最有效措施方面的贡献和实际意义。