Araştırma Makalesi

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

Cilt: 8 Sayı: 2 29 Ekim 2026
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Is impulsive buying the missing link? Family financial socialization and financial well-being among young adults in Türkiye

Öz

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.

Anahtar Kelimeler

Destekleyen Kurum

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.

Etik Beyan

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.

Kaynakça

  1. Abdul Ghafoor, K., & Akhtar, M. (2024). Parents’ financial socialization or socioeconomic characteristics: Which has more influence on Gen-Z’s financial wellbeing?. Humanities and Social Sciences Communications, 11(1), 1-16. https://doi.org/10.1057/s41599-024-03007-3
  2. Abrantes-Braga, F. D. M., & Veludo-de-Oliveira, T. (2019). Development and validation of financial well-being related scales. International Journal of Bank Marketing, 37(4), 1025-1040. https://doi.org/10.1108/IJBM-03-2018-0074
  3. Achtziger, A., Hubert, M., Kenning, P., Raab, G., & Reisch, L. A. (2015). Debt out of control: The links between self-control, compulsive buying, and real debts. Journal of Economic Psychology, 49, 141-149. https://doi.org/10.1016/j.joep.2015.04.003
  4. Akhtar, F., Akhtar, S., & Laeeq, M. (2025). Evolution of robo-advisors: A literature review and future research agenda. International Journal of Consumer Studies, 49(6), e70131. https://doi.org/10.1111/ijcs.70131
  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
  6. Arenas-Parra, M., Rico-Pérez, H., & Quiroga-Garcia, R. (2024). The emerging field of robo advisor: A relational analysis. Heliyon, 10(16), e35946. https://doi.org/10.1016/j.heliyon.2024.e35946
  7. Aziz, S., Khan, I. U., Alomair, A., & Naim, A. S. A. (2025). The nexus of financial socialization, financial literacy, financial capability and financial well-being: Women’s perspective with structural equation modeling approach. Humanities and Social Sciences Communications, 12. https://doi.org/10.1057/s41599-025-05894-6
  8. Bagozzi, R. P., Yi, Y., & Phillips, L. W. (1991). Assessing construct validity in organizational research. Administrative Science Quarterly, 36(3), 421-458. https://doi.org/10.2307/2393203

Ayrıntılar

Birincil Dil

İngilizce

Konular

İşletme

Bölüm

Araştırma Makalesi

Yayımlanma Tarihi

29 Ekim 2026

Gönderilme Tarihi

16 Mart 2026

Kabul Tarihi

20 Ekim 2026

Yayımlandığı Sayı

Yıl 2026 Cilt: 8 Sayı: 2

Kaynak Göster

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 (01 Ekim 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, c. 8, sy 2, Eki. 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 (01 Ekim 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, c. 8, sy 2, Ekim 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. 01 Ekim 2026;8(2). doi:10.54821/bes.1910603

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