Conceptualisation and Measurement of Financial Competence: A Holistic Approach and Implications for Financial Education
暫譯: 財務能力的概念化與測量：全面性方法及對財務教育的啟示

這本開放存取的書籍對於金融素養研究領域提供了關鍵的貢獻，因為它促進了對金融素養的理解，將其視為一種整體能力，涵蓋了認知、動機、情感、態度、行為及其相互關係。它提供了與金融素養相關的概念、構念和框架的全面概述和評估，以及用於衡量金融能力的工具。該書還討論了對金融行為的各種認知和非認知影響的識別、綜合和系統化。這本書不僅介紹了一個獨特的整體金融能力模型，還提出了一個創新的基於技術的測試工具草案，旨在模擬和追蹤複雜的金融決策過程，並闡明在複雜問題解決情境中所面臨的挑戰。這本書的目標是從對個別認知面向（主要是知識）的孤立關注，轉向對能力的整體建模，以系統化金融素養和金融能力研究的全景。這項工作對於研究人員、教育工作者和政策制定者在提升他們的理解和方法論方面具有重要意義，並為有效的金融教育介入鋪平道路，促進具備金融能力的行為。

Prof. Dr. Manuel Förster has been a professor of business and economics education at the Technical University of Munich, Germany, since 2019. His research interests include the modeling and assessment of financial competences and knowledge. His focus is on measuring financial behavior and problem-solving in complex ways to infer the underlying solution processes and activated dispositions. He is also interested in the individual and structural factors influencing young people's financial knowledge and competences and how these can be changed. He is one of the applicants and coordinator of the Action-oriented Financial Literacy (AFin) Network, which is funded by the German Research Foundation (DFG).

Prof. Dr. Mandy Hommel holds a professorship of vocational education and is vice president for teaching, didactics and professional development at OTH Amberg-Weiden, Germany. She is co-responsible for the network "Action-oriented Financial Literacy", funded by German Research Foundation. She started her professional career completing a banking apprenticeship and further training, including a degree in banking management. While working for several years for major German banks, she studied business education and management training, gained her doctorate, and habilitated in this field. Her research focuses on reflection and professional development, sustainable teaching and learning processes, digitally-supported teaching and learning, research-based learning, workplace learning, informal learning from online information and attention. Her enduring interest in financial topics and financially literate behaviour is reflected in international collaborative studies and publications in this field.

曼努埃爾·福斯特教授（Prof. Dr. Manuel Förster）自2019年以來一直擔任德國慕尼黑工業大學的商業與經濟教育教授。他的研究興趣包括金融能力和知識的建模與評估。他專注於以複雜的方式測量金融行為和問題解決，以推斷潛在的解決過程和啟動的傾向。他還對影響年輕人金融知識和能力的個人及結構性因素感興趣，以及如何改變這些因素。他是以德國研究基金會（DFG）資助的行動導向金融素養（Action-oriented Financial Literacy, AFin）網絡的申請人和協調人之一。

曼迪·霍梅爾教授（Prof. Dr. Mandy Hommel）擔任職業教育教授，並擔任德國阿姆貝格-魏登應用科技大學的教學、教學法和專業發展副校長。她共同負責由德國研究基金會資助的「行動導向金融素養」網絡。她的職業生涯始於銀行學徒訓練及進一步的培訓，包括銀行管理學位。在為幾家德國大型銀行工作多年後，她學習了商業教育和管理培訓，獲得博士學位，並在該領域取得了資格認證。她的研究重點包括反思與專業發展、可持續的教學與學習過程、數位支持的教學與學習、基於研究的學習、工作場所學習、以及從線上資訊和注意力中進行的非正式學習。她對金融主題和金融素養行為的持久興趣在國際合作研究和該領域的出版物中得到了體現。