Research Article

Is impulsive buying the missing link? Family financial socialization and financial well-being among young adults in Türkiye

Volume: 8 Number: 2 October 29, 2026
TR EN

Is impulsive buying the missing link? Family financial socialization and financial well-being among young adults in Türkiye

Abstract

This study aims to examine the factors determining the financial well-being of university students in Türkiye within the frameworks of social learning theory and family financial socialization theory. Data collected via a survey through the YOUREPLY platform from 395 participants selected from the population using convenience sampling were analyzed using partial least squares structural equation modeling (PLS-SEM, SmartPLS 4). Results indicate that family financial socialization is negatively related to cognitive but not affective impulsive buying, while in the main model only affective impulsive buying is significantly and negatively related to financial well-being; no indirect associations were supported in the main model. Unexpectedly, family financial socialization is negatively related to financial well-being. This pattern is primarily driven by the family financial distress dimension (β = −.463), whereas instructing money management is positively related to financial well-being (β = .191). When the five dimensions are modelled separately, cognitive impulsive buying is also positively related to financial well-being (β = .219), and one dimension-level indirect association is significant (stressing on savings → cognitive impulsive buying → financial well-being), although its sign runs opposite to the hypothesized mechanism. These results indicate that the aggregate construct masks both positive and negative dimension-level associations. To sum up, these findings point to a family financial socialization boundary condition: specific kinds of guidance behaviors are associated with more deliberative purchasing and, for money-management guidance, with greater well-being. Perceived financial well-being is largely influenced by the financial circumstances of the family, and by non-family factors such as digital marketing stimuli and the macro-financial environment of an emerging market.

Keywords

Supporting Institution

This research did not receive any specific grant from funding agencies in the public, commercial, or not-for-profit sectors. The authors declare that they have no known competing financial interests or personal relationships that could have appeared to influence the work reported in this paper.

Ethical Statement

Regarding the conduct of this research, an "Ethics Permission Certificate" dated 26/06/2025 and numbered 19/3 was obtained from the Ethics Committee of the Bilecik Şeyh Edebali University.

References

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  5. Amos, C., Holmes, G. R., & Keneson, W. C. (2014). A meta-analysis of consumer impulse buying. Journal of Retailing and Consumer Services, 21(2), 86-97. https://doi.org/10.1016/j.jretconser.2013.11.004
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Details

Primary Language

English

Subjects

Business Administration

Journal Section

Research Article

Publication Date

October 29, 2026

Submission Date

March 16, 2026

Acceptance Date

October 20, 2026

Published in Issue

Year 2026 Volume: 8 Number: 2

APA
Paylan, M. A. (2026). Is impulsive buying the missing link? Family financial socialization and financial well-being among young adults in Türkiye. International Journal of Business and Economic Studies, 8(2). https://doi.org/10.54821/bes.1910603
AMA
1.Paylan MA. Is impulsive buying the missing link? Family financial socialization and financial well-being among young adults in Türkiye. BES JOURNAL. 2026;8(2). doi:10.54821/bes.1910603
Chicago
Paylan, Mehmet Ali. 2026. “Is Impulsive Buying the Missing Link? Family Financial Socialization and Financial Well-Being Among Young Adults in Türkiye”. International Journal of Business and Economic Studies 8 (2). https://doi.org/10.54821/bes.1910603.
EndNote
Paylan MA (October 1, 2026) Is impulsive buying the missing link? Family financial socialization and financial well-being among young adults in Türkiye. International Journal of Business and Economic Studies 8 2
IEEE
[1]M. A. Paylan, “Is impulsive buying the missing link? Family financial socialization and financial well-being among young adults in Türkiye”, BES JOURNAL, vol. 8, no. 2, Oct. 2026, doi: 10.54821/bes.1910603.
ISNAD
Paylan, Mehmet Ali. “Is Impulsive Buying the Missing Link? Family Financial Socialization and Financial Well-Being Among Young Adults in Türkiye”. International Journal of Business and Economic Studies 8/2 (October 1, 2026). https://doi.org/10.54821/bes.1910603.
JAMA
1.Paylan MA. Is impulsive buying the missing link? Family financial socialization and financial well-being among young adults in Türkiye. BES JOURNAL. 2026;8. doi:10.54821/bes.1910603.
MLA
Paylan, Mehmet Ali. “Is Impulsive Buying the Missing Link? Family Financial Socialization and Financial Well-Being Among Young Adults in Türkiye”. International Journal of Business and Economic Studies, vol. 8, no. 2, Oct. 2026, doi:10.54821/bes.1910603.
Vancouver
1.Mehmet Ali Paylan. Is impulsive buying the missing link? Family financial socialization and financial well-being among young adults in Türkiye. BES JOURNAL. 2026 Oct. 1;8(2). doi:10.54821/bes.1910603


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