López Penabad, CeliaÁlvarez Espiño, MarcosBenito Torres, José Leandro2025-11-102025-11-102025-11-06López-Penabad, C., Álvarez-Espiño, M., & Benito-Torres, L. (2025) “Addressing financial biases in university undergraduates: Unveiling connections with knowledge, behaviours and attitudes”, PLoS One, Vol. 20, No. 11, e0336274. https://doi.org/10.1371/journal.pone.03362741932-6203https://hdl.handle.net/10347/43639Purpose This study investigates how financial knowledge, behaviours, and attitudes shape the prevalence of financial biases among Economics students at the University of Santiago de Compostela. Methodology Based on survey data from 403 first- and fourth-year students, a composite bias index—covering overconfidence, gambler’s fallacy, and herd behaviour—is constructed using the Benefit of the Doubt method. Truncated regressions explore the influence of financial capability. Findings Results show attitudinal factors explain biases better than knowledge. Surprisingly, behaviours such as long-term planning and fraud avoidance increase susceptibility to biases. These findings highlight the complexity of financial decision-making and the need for emotionally aware, bias-targeted financial education. Value This paper introduces a novel approach by constructing multiple financial bias indices and calling for hands-on, behaviour-focused financial education.eng© 2025 López-Penabad et al. This is an open access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.n in any medium, provided the original author and source are creditedAttribution 4.0 Internationalhttp://creativecommons.org/licenses/by/4.0/Financial literacyFinancial biasesData Envelopment AnalysisSpainUniversity studentsInvestigaciónjournal article10.1371/journal.pone.0336274open access