The Intellectual Map of Digital Financial Literacy: Patterns and Trends through Bibliometrics

Digital Financial Literacy has emerged as a critical competence in an increasingly digitized financial ecosystem, yet the intellectual structure of this rapidly growing research domain remains fragmented. This study aims to systematically map the evolution, thematic structure, and scholarly impact of digital financial literacy research using bibliometric analysis. Drawing on a comprehensive dataset of peer-reviewed publications retrieved from major academic databases over the covid period, the study employs performance analysis and science mapping techniques to examine publication trends, influential authors, institutions, countries, and leading journals. Co-citation, co-authorship, and keyword co-occurrence analyses are conducted using bibliometric tool R Studio to uncover the conceptual foundations and emerging research themes within the field. The Findings reveal a steady growth in DFL research, with dominant themes centered on financial inclusion, digital banking, fintech adoption, consumer behaviour, and financial well-being, alongside emerging areas such as crypto currency literacy, artificial intelligence in finance, and digital financial resilience. The study also highlights geographical disparities in research output and collaboration patterns. By offering a structured overview of the intellectual landscape of digital financial literacy, this paper contributes to theory development, identifies research gaps, and provides valuable insights for academics, policymakers, and practitioners seeking to advance digital financial capability in the digital economy.