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    Can financial literacy overconfidence be predicted by narcissistic tendencies?
    (Emerald Group Holdings Ltd., 2021) Hamurcu, Çağrı; Hamurcu, Hayriye Dilek
    Purpose: In this study, it is investigated whether narcissistic tendencies can predict financial literacy overconfidence. Design/methodology/approach: Financial literacy overconfidence is analyzed under these three subcategories: overestimation, overplacement and overprecision, according to individual's self-perception of his/her own financial literacy. In order to evaluate narcissistic tendencies, the Turkish version of the Structured Clinical Interview for the Diagnostic and Statistical Manual of Mental Disorders Axis II (SCID II) Fourth Edition (DSM-IV) is used. To measure the financial literacy overestimation, overplacement and overprecision biases, a multistaged measurement process designed specially on basic and advanced financial literacy is implemented. Findings: The current study provides strong evidence that narcissistic tendencies are predictors of financial literacy overestimation, overplacement and overprecision biases. These tendencies in men are greater than in women. Evaluated risk factors of being exposed to these biases among people who have narcissistic tendencies are found to be greater than among people who do not have those tendencies. Due to a particular exposure of narcissistic tendencies, the probability of financial literacy overprecision bias has the highest rate among the others, and it is followed by overestimation and overplacement bias. Originality/value: This is the first study that measures overconfidence under three subcategories of overestimation, overplacement and overprecision, according to financial literacy. For this reason, it is believed that these results provide valuable evidence in favor of the relation between overconfidence in finance and narcissistic tendencies.
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    The Financial Literacy Paradox in Gambling Disorder: Why Knowing Isn’t Doing
    (Springer, 2025) Hamurcu, Çağrı; Mutlu, Elif Aktan; Hamurcu, Hayriye Dilek; Öz, Tayfun; Yavuz Ataşlar, Emine
    This study investigates the paradox that individuals with gambling disorder (GD) may possess financial knowledge yet still engage in economically harmful behaviors. Using a cross-sectional design, we compared financial literacy—across knowledge, attitudes, and behaviors—between 100 individuals with GD and 123 matched healthy controls in Türkiye. While both groups demonstrated similar levels of financial knowledge, those with GD showed significantly impaired financial attitudes and behaviors. Structural equation modeling revealed that financial literacy mediated the relationship between education, income, and gambling severity, while longer gambling duration directly predicted greater severity. These findings suggest that financial literacy is not a fixed cognitive asset but a fragile faculty vulnerable to compulsion, emotional dysregulation, and cognitive bias. We argue that financial literacy in the context of gambling is not merely about what individuals know, but how that knowledge is enacted—vulnerable to being undermined by behavioral dynamics. The implications extend beyond gambling to broader questions of volition, agency, and the limits of rational action under conditions of addiction.