Dr. Kim’s Research Publication (update: January 2025)

Selected recent publications (2019-present), * Denotes corresponding author
          ** 2025 **

  1. Lee, S., Kim, K. T.* & Hanna, S. D. (2025). COVID-19 labor market shocks and retirement account withdrawals: Understanding the moderating role of financial knowledge. Journal of Consumer Affairs 59(1) [SSCI]
  2. Kim, K. T., & Lee, S. (2025). An Examination of Financial Vulnerability Among the AAPI Population in the United States. International Journal of Bank Marketing [SSCI]
  3. Kim, K. T. & Lee, J. (2025). Financial well-being, anxiety, and payment delinquency among student loan holders in the United States: Insights from the COVID-19 pandemic, International Journal of Bank Marketing 43(2), 424-445 [SSCI] 
  4. Kim, K. & Fan, L. (in press). Beyond the Hashtags: Social Media Usage and Cryptocurrency Investment. International Journal of Bank Marketing [SSCI]​ 

    ​** 2024 **
  5. Kim, K. T., Xiao, J., & Porto, N. (2024). Financial inclusion, financial capability, and financial fragility during the COVID-19 pandemic, International Journal of Bank Marketing 42(3), 414-436 [SSCI]
  6. Xiao, J., Kim, K. T.*, & Lee, S. (2024). Consumer financial capability and financial wellbeing: Multi-year analyses, Applied Research in Quality of Life 19, 547-580 [SSCI]
  7. Kim, K. T. & Lee, J. (2024). Unlocking financial well-being for people with disabilities: The importance of financial education and socialization within the Family Context, Sage Open 14(2) [SSCI]
  8. Lee, J., Kim, K. T., Lee, J. (2024). Understanding the factors behind racial and ethnic disparities in the adoption of alternative financial services: a decomposition analysis. International Journal of Bank Marketing 42(7), 1587-1613 [SSCI]

    **2023**
  9. Kim, K. T., & Hanna, S. D., Lee, S. (2023). Investment literacy, overconfidence and cryptocurrency investment Financial Services Review, 31, 121-132
  10. Wilmarth, M., Kim, K. T., & Pak, T. (2023). What do we really know about “Don’t Know”? Re-assessing the measurement of financial knowledge. Journal of Consumer Affairs 57(4), 1623-1649 [SSCI]
  11. Wilmarth, M., Kim, K. T., & Green, R (2023). Exploring financial behaviors of military households: Do financial knowledge and financial education really matter? Financial Service Review, 31(1), 35-54 
  12. Kim, K. T., Cho, S. & Xiao, J. (2023). Is Ignorance Bliss? Use of Alternative Financial Services and Financial Anxiety. Journal of Family and Economic Issues 44, 956-967 [SSCI]
  13. Kim, H. & Kim, K. T.* (2023). How do private investors react to a market crash? The role of investment literacy, Applied Economics Letters 30(6), 803-810 [SSCI]
  14. Lee, S., & Kim, K. T.* (2023). The COVID-19 Pandemic and Financial Wellbeing of Immigrants in the United States. International Journal of Bank Marketing 41(5), 1136-1153  [SSCI]
  15. Lee, J., Kim, K. T. & Hanna, S. D. (2023). Myopia, financial knowledge, and financial well-being. Journal of Financial Counseling and Planning 34(1), 42-54 [SCOPUS]
  16. Nam, Y., Lee, S., Kim, K. T. (2023). Racial/ethnic differences in mobile payment usage: What do we know, and what do we need to know? International Journal of Bank Marketing, 41(1), 52-69 [SSCI]​
  17. Heckman, S., Letkiewicz, J. & Kim, K. T. (2023). A fracturing social contract? How perceptions of the value of higher education are changing, Journal of Family and Economic Issues 44, 156-174  [SSCI]

    ** 2022 **
  18. Stebbins, R., Kim, K., & Seay, M. (2022). Financial professionals and financial well-being: Evidence from the National Financial Well-Being Survey. Financial Services Review 30(3), 191-204.
  19. ​Kim, K. T., Lee, J. M. & DeVaney, S. (2022). Financial knowledge and financial fragility of US households: A consideration of the neighborhood effect. Journal of Financial Counseling and Planning 33(2) 268-279 [SCOPUS]
  20. Kim, K. T., Lee, S. & Hanna, S. D. (2022). Has financial knowledge increased in the United States? Journal of Financial Counseling and Planning 33(2) 205-216 [SCOPUS]
  21. Kim, K. T., Lee, S. & Kim, H. (2022). Gender disparities in financial literacy overconfidence among older adults. International Journal of Consumer Studies 46(4), 1223-1240 [SSCI]
  22. Lee, S., & Kim, K. T.* (2022). Racial/ethnic disparities in financial literacy and overconfidence: A decomposition analysis. Journal of Family and Economic Issues 43, 815-831 [SSCI]
  23. Fan, L., Stebbins, R., & Kim, K. T.* (2022). Skint. Retirement? Financial Hardship and Retirement Planning Behaviors. Journal of Family and Economic Issues 43, 354-367 [SSCI]
  24. ​Kim, H., Kim, K. T., & Hanna, S. D. (2022). The effect of investment literacy on the likelihood of retail investor margin trading and having a margin call. Finance Research Letters, 45, 202146 [SSCI]
  25. Kim, K. T., Lee, J. & Hanna, S. D. (2022). The Great Expansion of 2019 and the delinquency rates of Blacks and Hispanics. Applied Economics Letters, 29(14), 1313-1318 [SSCI]
  26. Xiao, J. J. & Kim, K. T.* (2022). The able worry more? Debt delinquency, financial capability, and financial anxiety. Journal of Family and Economic Issues 43(1), 138–152 [SSCI]

    ** 2021 **
  27. Kim, H., Kim, K. T., & Han, S. (2021). Religious differences and households’ investment decisions. Journal of Financial Research 44(4), 753-788 [SSCI]
  28. Arčabić, V., Kim, K. T., You, Y., Lee, J. (2021). Century-long dynamics and convergence of income inequality among the U.S. states, Economic Modelling, 101, 105526 [SSCI]
  29. Hanna, S. D., Kim, K. T., Lindamood, S. & Lee, S. (2021). Husbands, wives, and perception of relative knowledge about household finances. Financial Planning Review
  30. Kim, K. T. & Stebbins, R. (2021). Everybody dies: ​Financial education and basic estate planning. Journal of Financial Counseling and Planning, 32(3), 402-416 [SCOPUS]
  31. Kim, K. T., Hanna, S. D. & Ying, D. (2021). The risk tolerance measure in the 2016 Survey of Consumer Finances: New, but is it Improved? Journal of Financial Counseling and Planning 32(1), 86-103 [SCOPUS]
  32. Kim, K. T., Lee, J. & Lee, J. (2021). Student loan and financial satisfaction: The moderating role of financial education. Journal of Financial Counseling and Planning, 32(2), 1-14 [SCOPUS]​
  33. Kim, K. T., Cho, S. & DeVaney, S. (2021). Racial/ethnic differences in saving motives for retirement: An analysis of decomposition. Journal of Consumer Affairs 55(2), 464-482 [SSCI]
  34. Kim, K. & Lee, J. (2021). A decade review of financial behavior research in The Journal of Family and Economic Issues. Journal of Family and Economic Issues, 42(1), 131-141 [SSCI]
  35. Kim, K. T. & Xiao, J. J. (2021). Racial/ethnic differences in consumer financial capability: The role of financial education. International Journal of Consumer Studies, 45(3), 379-395 [SSCI]

    ** 2020 **
  36. Lee, S. & Kim, K. T.* (2020). Propensity to plan, financial knowledge and credit card management behaviors among Millennials. Family & Consumer Sciences Research Journal, 49(2), 123-143 [SCOPUS, ESCI] ​
  37. Pak, T. Y., Kim, H. & Kim, K. T. (2020). The long-term effects of cancer survivorship on household assets. Health Economics Review 10, 2 [SSCI]
  38. Kim, K. T., Lee, J. & Hanna, S. D. (2020). The effects of financial literacy overconfidence on the mortgage delinquency of US households, Journal of Consumer Affairs, 54(2), 517-540 [SSCI]
  39. ​Lee, J., Lee, J. & Kim, K. T. (2020). Consumer financial wellbeing: Knowledge is not enough. Journal of Family and Economic Issues 41(2), 218-228 [SSCI]
  40. Kim, K. T., Mountain, T., Hanna, S. D. & Kim, N. (2020). The decrease in life insurance ownership: Implications for financial planning. Financial Services Review, 28(1), 1-16.
  41. Shin, S., Kim, K. T. & Seay, M. (2020). Source of information and selection of financial instruments. Journal of Economic Psychology 76, 102212 [SSCI]
  42. Li, B., Hanna, S. D. & Kim, K. T. (2020). Who uses mobile payments: Fintech potential in users and non-users. Journal of Financial Counseling and Planning, 31(1), 83-100 [SCOPUS]

    ** 2019 **
  43. Lim, Y., & Kim, K. T. (2019). Afraid of the stock market. Review of Quantitative Finance and Accounting ,53(3), 773-810 [SCOPUS, ESCI]
  44. Ouyang, C., Hanna, S. D. & Kim, K. T. (2019). Are Asian households in the U.S. more likely than other households to help children with college costs? Journal of Family and Economic Issues, 40(3), 540-552 [SSCI]
  45. Kim, K. T., Lee, J. & Anderson, S. (2019). Retirement saving habits of business owning families in the United States, Family & Consumer Sciences Research Journal, 48(1), 65-84 [SCOPUS, ESCI]
  46. ​Kim, K. T., Anderson, S. & Seay, M. (2019). Financial Knowledge and Short-Term and Long-Term Financial Behaviors of Millennials in the United States. Journal of Family and Economic Issues, 40(2), 194-208 [SSCI]
  47. Kim, K. T., Lee, J. & Lee, J. (2019). Racial/ethnic disparities in use of alternative financial services: The moderating role of financial knowledge. Race and Social Problems, 11(2), 149-160 [SSCI]

Current working projects (as of December 2024)

  1. Financial rumination and financial wellbeing (revise/resubmit, SCOPUS journal)
  2. ​Investment literacy and market trust (revise/resubmit)
  3. Trading behaviors among investors with ESG motivation (revise/resubmit, SCOPUS journal)
  4. Financial anxiety of Generation Z during the COVID-19 pandemic (under review, SSCI journal)​
  5. Gender differences in financial capability (under review, SCOPUS journal)
  6. Mobile banking and financial behaviors (under review)
  7. Intergenerational wealth transfer (under review, SSCI journal)
  8. Financial knowledge, financial advice and financial planning horizon (under review, SSCI journal)​​
  9. Investment literacy and investment motivation (under review, SSCI journal)​
  10. Investment trading behavior during the COVID-19 pandemic (in preparation)
  11. Life cycle stages and debt management behaviors (in preparation)