Financial culture: versatility of the concept, approaches to research and place in scientific discourse

The paper substantiates the relationship between financial literacy, financial culture and financial behavior, the concept of a sociological study of financial culture. The authors cite a number of studies that, to varying degrees, show the cultural characteristics formed in Russian society in terms of personal finance management. Attention is drawn to the behavioral characteristics of Russians in such components of financial behavior as savings, investment, including savings and investment, consumer, payment, and credit. The article presents the results of a series of in-depth semi-structured interviews with 60 Russians representing various socio-demographic groups, conducted from November 2022 to January 2023 by the educational and scientific sociological laboratory of the Department of Sociology of the Faculty of Social Sciences and Mass Communications of the Financial University under the Government of the Russian Federation.