Financial Literacy and Economic Attitudes as Protective Factors Against Pathological Gambling? A Systematic Review

J Gambl Stud. 2025 Apr 28. doi: 10.1007/s10899-025-10375-1. Online ahead of print.

ABSTRACT

Pathological gambling poses significant global issues, leading to economic, social, and psychological consequences such as debt, family breakdowns, and mental health problems. While various risk factors for gambling addiction, including comorbid addictions, psychiatric disorders, gender, age, and easy access to gambling venues, have been well-studied, less emphasis is placed on protective factors. Strong social support and higher education are key in mitigating gambling addiction. Higher education, in particular, equips individuals with better decision-making skills and risk management strategies, reducing the likelihood of addictive behaviors. Strengthening education and social support systems is essential for preventing gambling addiction. A systematic review was conducted across Scopus, PubMed, Web of Science, and EBSCO, focusing on studies published after 2000. Peer-reviewed studies written in English that examined the relationship between financial literacy and gambling were included. Studies focusing solely on financial topics or not in English were excluded. The review follows the PROSPERO protocol. Financial literacy is linked to lower rates of pathological gambling, although its impact varies based on cultural context and gambling accessibility. From 880 papers, 8 met the inclusion criteria. Six studies confirmed a relationship between higher financial literacy and reduced gambling behavior, while two studies indicated that the significance of this relationship depended on specific financial literacy dimensions or contextual factors. This research underscores the importance of incorporating consumer education and psychological factors into future gambling addiction prevention strategies, particularly for younger gamblers.

PMID:40293599 | DOI:10.1007/s10899-025-10375-1