The Journal for Information Professionals
Asia Pacific Journal of Information Systems (APJIS), a Scopus and ABDC indexed journal, is a
flagship journal of the information systems (IS) field in the Asia Pacific region.
ISSN 2288-5404 (Print) / ISSN 2288-6818 (Online)
Editor : Youngsok Bang
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Current Issue
| Date | September 2026 |
|---|---|
| Vol. No. | Vol. 36 No. 3 |
| DOI | https://doi.org/10.14329/apjis.2026.36.3.466 |
| Page | 466~493 |
| Title | Motivation, Behavior, and Well-Being in Personal Financial Management: The Moderating Role of App Features |
| Author | Minjin Kim, Beomsoo Kim, Jaeyoung Park |
| Keyword | Financial Technology, Financial Motivation, Financial Behavior, Financial Well-Being, Personal Financial Management |
| Abstract | Rapid advances in mobile technology have accelerated the adoption of personal financial management (PFM) apps and sparked scholarly interest in their influence on consumers’ financial decision‑making. Although prior research has linked financial literacy to prudent financial management behaviors, psychological antecedents—especially motivation—have received comparatively little attention. Drawing on self‑determination theory, this study distinguishes between intrinsic and extrinsic motivation for financial management and examines how each form of motivation shapes PFM behaviors and, ultimately, financial well‑being. Additionally, we explore how specific finance app features—management and external control—moderate the motivation–behavior link. A cross‑sectional survey of 600 active PFM app users reveals that both intrinsic and extrinsic motivations are positively associated with PFM behavior, with app features strengthening the impact of intrinsic motivation toward financial management. This study contributes to the literature by highlighting motivation as a key predictor of PFM behavior and demonstrating the contingent role of specific app features in translating motivation into action. Practically, the findings guide financial service providers in tailoring feature sets to users’ motivational profiles, thereby fostering more effective financial management practices and promoting consumer financial well‑being. |
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