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Yinjie Xie

As seen in: Taylor & Francis Online
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Articles

Designing Inclusive Budgeting Tools: Understanding Financial Behavior and Cultural Differences Among University Students

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By BoXuan Ma, Shinichi Konomi, Yinjie Xie
| Taylor & Francis Online
Abstract University students face financial challenges, including unstable income, rising living costs, and limited money-management experience, potentially causing stress, debt, and reduced academic engagement. Digital budgeting tools are often recommended, yet many solutions insufficiently consider students’ diverse financial needs, motivations, and cultural contexts, with little attention to who adopts them and who does not.
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