... Access to services and resources Fulfilling basic needs/ consumption adequacy (Chipunza and Fanta 2023), (Guillen-Royo 2008), , (Wang, Shang, and Xu 2011) Food capability (Voola et al. 2018), (Parsons et al. 2021) Use of technology (Parthiban et al. 2022), (Shukla et al. 2023) Knowledge and competence Autonomy (Akareem, Wiese, and Hammedi 2022), Financial knowledge and skill (Xiao and Porto 2022), (Martin and Hill 2015), (Koppenhafer et al. 2023) Value co-creation (Akareem, Ferdous, and Todd 2021; Akareem, Wiese, and Hammedi 2022), (Jayawickramarathna et al. 2021), (Ranjan et al. 2021), (Akter et al. 2021), (Parthiban et al. 2022), (Koppenhafer et al. 2023) Behavioural and perceptual change Agency in building social identity through consumption (Jaikumar, Singh, and Sarin 2018), (Linssen, Van Kempen, and Kraaykamp 2011), (Jayawickramarathna et al. 2021) Materialistic consumption (Chaplin, Hill, and John 2014) Increased agency and selfefficacy through resource integration and perception (Blocker and Barrios 2015), (Dean and Indrianti 2020), (Jagadale, Roy-Chaudhuri, and Kadirov 2020), (Shivarajan and Srinivasan 2013), (Koppenhafer et al. 2023) Saving behaviour (Martin and Hill 2015), (Xiao and Porto 2022) Optimism (Kilburn et al. 2018) Self-esteem (Dean and Indrianti 2020), (Shivarajan and Srinivasan 2013), (Chipunza and Fanta 2023) Adaptation after comparison with reference groups (Camfield et al. 2013), (Igawa, Piao, and Managi 2022), (Linssen, Van Kempen, and Kraaykamp 2011), (Shifa and Leibbrandt 2018) Cognitive life perceptions (Peterson, Ekici, and Hunt 2010), (Kilburn et al. 2018) Physical and psychological functioning Physical functioning (Kingdon and Knight 2006), (Baktir and Watson 2021) Health (Little, Ho, and Eti-Tofinga 2023) Social functioning (Kingdon and Knight 2006), (Baktir and Watson 2021) cognitive facet of happiness (Diener et al. 1985;Kahneman and Deaton 2010). Additionally, life satisfaction is employed inclusively, encompassing affective and cognitive aspects (Chipunza and Fanta 2023;Jayawickramarathna et al. 2021) and as a trait factor contributing to SWB (Martin and Paul Hill 2012). ...