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              <text>Demographic characteristics influencing financial wellbeing: amultigroup analysis</text>
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              <text>Financial behaviour; Financial literacy; Financial stress; Financial wellbeing; IT employees</text>
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              <text>Purpose: The study attempts to understand the factors impacting the financial wellbeing of IT employees in India using confirmatory factor analysis (CFA). It utilizes well-established survey instruments to assess the impact of financial literacy, financial behaviour and financial stress on financial wellbeing. The study also attempts to understand the role of demographic factors (age, gender, monthly income, job category and work experience) in determining financial wellbeing through multigroup analysis. Design/methodology/approach: Structured equation modelling (SEM) is used to study the link between the determinants. The study also attempts to understand the role of demographic factors (age, gender, monthly income, job category and work experience) in determining financial wellbeing through multigroup analysis. Data used for the analysis covers 237 employees working in the IT sector. Findings: While financial literacy and financial behaviour have a significant positive impact on financial wellbeing, financial stress has a significant negative impact. Financial behaviour and financial stress were found to have a mediating role in the relationship between financial literacy and financial wellbeing. The demographic variables significantly moderate the relationship between the factors leading to financial wellbeing. Originality/value: The results show the need for financial wellbeing programs to focus on enhancing financial knowledge and improving financial planning. Further, it suggests offering customized financial wellbeing programs based on the employee's demographic characteristics rather than following a one program, fits all approach.  2021, Emerald Publishing Limited.</text>
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              <text>Prakash N.; Alagarsamy S.; Hawaldar A.</text>
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              <text>Managerial Finance, Vol-48, No. 45939, pp. 1334-1351.</text>
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              <text>Emerald Publishing</text>
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              <text>2022-01-01</text>
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              <text>&lt;a href="https://doi.org/10.1108/MF-09-2021-0466" target="_blank" rel="noreferrer noopener"&gt;https://doi.org/10.1108/MF-09-2021-0466&lt;/a&gt;
&lt;br /&gt;&lt;br /&gt;&lt;a href="https://www.scopus.com/inward/record.uri?eid=2-s2.0-85122411731&amp;amp;doi=10.1108%2FMF-09-2021-0466&amp;amp;partnerID=40&amp;amp;md5=0a35a81eaa6d84e7b39328812e0826fe" target="_blank" rel="noreferrer noopener"&gt;https://www.scopus.com/inward/record.uri?eid=2-s2.0-85122411731&amp;amp;doi=10.1108%2fMF-09-2021-0466&amp;amp;partnerID=40&amp;amp;md5=0a35a81eaa6d84e7b39328812e0826fe&lt;/a&gt;</text>
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              <text>All Open Access; Green Open Access</text>
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              <text>ISSN: 3074358</text>
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              <text>Online</text>
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              <text>Prakash N., Christ University Institute of Management MBA, Bangalore, India; Alagarsamy S., School of Business, Manipal Academy of Higher Education, Dubai, United Arab Emirates; Hawaldar A., Christ University Institute of Management MBA, Bangalore, India</text>
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