Exploring Cultural Impacts On Young Pacific People’s Financial Wellbeing

As part of her doctoral studies, Vika is on a mission to further investigate the cultural influences that shape financial behaviours and decisions of young Pacific people in New Zealand — work that is both academically important and deeply personal.

Vika says her first job exposed her to the harsh reality of financial illiteracy within Pacific people in New Zealand.

“My People were falling into debt in an effort to fulfil their cultural obligations. They often financially support extended families, contributing to funerals or church events without fully understanding the long-term financial impact.”

That early exposure sparked a desire to understand how deeply rooted cultural values, external pressures and systemic challenges influence financial decision-making among Pacific people. Her research aims to develop culturally-responsive and empowering solutions.

“New Zealand’s Pacific population is largely made up of young people, and this is an important stage of life when financial habits, values, and decisions are established. Better understanding these cultural and other impacts on their financial wellbeing can assist in developing tailored support and interventions that position them for long-term financial success, benefiting not only individuals but also their families and communities. That is the key to assisting them in navigating their cultural responsibilities without compromising their own financial future,“ she adds.

Advertisement - scroll to continue reading

While currently in the data collection phase, Vika’s research builds on findings from organisations like the New Zealand Retirement Commission, which shows Pacific people have the lowest financial wellbeing scores in Aotearoa New Zealand. Her work seeks to offer deeper, more meaningful insight into the context behind the statistics.

The potential for real-world application is what drives her work. By addressing the cultural and social dynamics affecting young Pacific people's financial behaviour, her research could inform the design of financial education programmes that resonate with Pacific values.

“Financial mentoring services aren’t a one-size-fits-all solution. Our Pacific people come with unique values, stories, and responsibilities that influence how they see and use money. What works for one family or individual might not work for another, especially when culture, faith, and family obligations play a big role in financial decisions.

“If it’s going to be effective, it needs to be culturally relevant. My hope is that this research can support the development of the appropriate tools and resources that help young Pacific people make confident, informed choices, while still honouring their cultural identities,” she says.

A proud Massey Business School alumna, Vika completed both her undergraduate and master’s degrees at the university and has been working within the Massey Business School (MBS) since 2019. Her ongoing connection to Massey has played a key role in her academic journey.

“Massey has consistently provided a strong foundation of support, ranging from academic mentoring to pastoral care. As a Pacific student, this support has been truly invaluable. I wouldn’t have made it this far in my academic journey without it.”

She also points to the importance of representation in academia. After joining Massey as a staff member, she noticed a lack of Pacific academics and saw an opportunity to be involved in research.

“That realisation marked a turning point in my career path. With the invaluable support of the senior leadership at Massey Business School, I transitioned from aspiring to a professional role to pursuing a path in academia.”

Vika is deeply appreciative of her PhD supervisors, Associate Professor Claire Matthews, Dr Jeff Stangl, Dr Pushpa Woods and Dr Kuen Yuen for their invaluable mentorship, expertise, and support throughout her doctoral journey. Their extensive experience in financial literacy and behavioural finance has been instrumental in guiding her research.

With her research likely to be completed in end of 2026, Vika is already thinking about her future after study. Her goal is to continue working for MBS, continuing to contribute through research, teaching and community engagement.

“I also want to contribute to designing financial mentoring services that reflect the values and lived experiences of Pacific people in New Zealand. Ultimately, my aim is to empower Pacific people with the knowledge and tools they need to thrive, while staying proud of their cultural heritage,” she says.

Want to be part of Vika’s research?

If you are of Pacific descent and aged between 18 and 30, you’re invited to take part in an online study exploring the cultural and other influences on the financial wellbeing of young Pacific people in Aotearoa New Zealand.

This research aims to understand how our culture, values, family, education, work, and life experiences shape the way we manage money and think about financial wellbeing.

Your insights will help inform better support and resources for Pacific youth and communities. The survey is anonymous, takes about 10 to 15 minutes, and your time and honesty are greatly appreciated. You can take part in the study here: https://masseybusiness.asia.qualtrics.com/jfe/form/SV_06yiZaAmX841exU

© Scoop Media