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@article{187303,
        author = {Dr. Thulasi B V and Capt. Dr.Shivakumar M. C.},
        title = {A Generational Analysis of Financial Planning Behaviour Among Women in Karnataka},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {6},
        pages = {4786-4793},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=187303},
        abstract = {The study investigated differences in financial awareness, attitudes, and planning behavior among women age cohorts: Baby Boomers, Gen X, Millennials, and Gen Z through descriptive statistics and Kruskal-Wallis H-tests. Key findings indicate significant generational differences in financial planning behavior. Financial literacy, a more substantial degree of retail digital adoption, consistent savings trader behavior, and a generation of independence in conducting transactions increased exponentially for younger generations (Millennials and Gen Z) vs. older cohorts. They highlight the impact of technology, financial literacy, and evolving roles in society on how women manage their finances. The study emphasizes the need for generational-specific financial inclusion policies. For younger women, this should open up more opportunities to use digital platforms and personalized financial tools to encourage wealth creation and long-term plans. On the other hand, the older generations need more conventional outreach and financial literacy-building initiatives to narrow the digital gap and invest in risk-taking ability. In response, financial institutions, policymakers, and educators should develop programs that target the specific behavioral and attitudinal differences suggested by this study.},
        keywords = {Baby Boomers, Financial Planning, Gen X, Gen Z, Millennials, and Women in Karnataka},
        month = {November},
        }