{"title":"Book Notes “Economics and Social Sciences” 1/2024","authors":"L. Reisch, A. Sunil","doi":"10.1007/s10603-024-09575-w","DOIUrl":"https://doi.org/10.1007/s10603-024-09575-w","url":null,"abstract":"","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":null,"pages":null},"PeriodicalIF":1.4,"publicationDate":"2024-08-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141927885","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"E-cigarettes and Smoking: Correlation, Causation, and Selection Bias","authors":"J. E. Prieger, A. Choi","doi":"10.1007/s10603-024-09573-y","DOIUrl":"https://doi.org/10.1007/s10603-024-09573-y","url":null,"abstract":"<p>Some public health officials discourage smokers from using electronic nicotine delivery systems (ENDS, or “e-cigarettes”) as a cessation aid because ENDS use is positively correlated with smoking. Such correlation does not imply that the causal treatment effect of ENDS use on cessation from smoking is negative, however, due to selection bias. We estimate the treatment effect of ENDS use on cessation. After showing that ENDS use and smoking are positively correlated in data from Korea, we investigate selection bias and show that a tax increase and the government’s negative pronouncements regarding ENDS shifted ENDS use toward those smokers for whom cessation is less likely. After accounting for unobserved confounding characteristics of individuals with regression models for endogenous treatment effects, we find that the evidence suggests that ENDS promote cessation. The average treatment effect on the treated (ATET) is estimated with parametric and moment-based methods and is found to be in the range of 10.1 to 16.4 percentage points from copula models and 17.0 percentage points from a moment-based estimator. The ATET from the results preferred by formal model selection criteria is 16.2 percentage points. The Korean government’s discouragement of ENDS use by smokers may therefore create a massive lost opportunity to reduce smoking and improve public health.</p>","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":null,"pages":null},"PeriodicalIF":2.3,"publicationDate":"2024-08-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141936347","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"3Rs of Sustainable Activism on Social Media: Relatability, Reliability and Redress","authors":"J. Luzak","doi":"10.1007/s10603-024-09574-x","DOIUrl":"https://doi.org/10.1007/s10603-024-09574-x","url":null,"abstract":"<p>The achievement of sustainability goals will take a joint effort and content creators could be one of the actors helping with reaching it. Reliable but relatable communication on sustainable lifestyles on social media could reach many consumers and contribute to changing their behaviour patterns. However, the content creators’ activities need to fit within certain parameters for the benefits to outweigh the costs. This article identifies three important parameters that regulation should safeguard: Relatability, reliability, and redress. A key reason why content creators have managed to establish themselves as influencers is that they are relatable. But content creators may not be able to ensure what they tell their followers is reliable. That in turn raises the question of who should be responsible for providing redress in cases of misstatements. Following the critical analysis of the European legal framework, this article considers the need for further adaptations to the current rules or even the adoption of new rules more strictly regulating sustainable activism on social media.</p>","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":null,"pages":null},"PeriodicalIF":2.3,"publicationDate":"2024-08-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141882682","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Determinants of the Behaviour of Entities on the Insurance Market in the Light of Changes Introduced by the IDD Directive","authors":"M. Fras, D. Pauch, D. Walczak, A. Bera","doi":"10.1007/s10603-024-09572-z","DOIUrl":"https://doi.org/10.1007/s10603-024-09572-z","url":null,"abstract":"<p>One of the most significant legal acts concerning the sale and management of insurance risk was issued on January 20, 2016, based on Directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution (IDD Directive). The adoption of European IDD principles aims to enhance transparency in the operations of insurance distributors and improve the standards of their business practices. Its protective scope encompasses all individuals and entities involved in the sale of insurance products. The aim of the article is to ascertain the regulatory authorities’ impact on the insurance market, consideration of consumer protection, in light of the changes introduced by the IDD directive. The primary entities under examination, in the mentioned context of consumer protection, are distributors and supervisory authorities. The discussion includes an overview of the scale of the insurance market and its fundamental applications, as well as compliance within the framework of behavioural economics theory. Additionally, the paper addresses the aspect of threats posed to consumers by the analyzed changes in the European insurance distribution market. In this segment, the authors concentrate on the economic and social ramifications of IDD implementation for entities operating within the insurance market. The concluding section outlines the potential for development and the future prospects of financial intermediation concerning IDD utilization.</p>","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":null,"pages":null},"PeriodicalIF":2.3,"publicationDate":"2024-07-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141784329","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Has Mutual Recognition in the EU Failed?—A Legal-Empirical Analysis on the Example of Food Supplements Containing Botanicals and Other Bioactive Substances","authors":"R. Warda, K. Purnhagen, M. Molitorisová","doi":"10.1007/s10603-024-09571-0","DOIUrl":"https://doi.org/10.1007/s10603-024-09571-0","url":null,"abstract":"<p>The European Union lacks comprehensive legislation pertaining to food supplements containing botanical or bioactive substances other than nutrients, resulting in disparate regulatory frameworks among European Member States. Previous studies predominantly focused on the doctrinal analysis of these diverse regulations at both European and national levels, offering limited insights into their practical implementation by governing bodies. This research endeavours to scrutinize administrative practices governing legislation on food supplements featuring botanical or other bioactive constituents, which are subject to varying approaches across Member States. Employing a combination of doctrinal and empirical legal research methodologies, this approach involved a meticulous examination of the regulatory landscape governing food supplements at both EU and Member State levels. Simultaneously, an empirical investigation, conducted through expert interviews, aimed to elucidate whether discrepancies among national legal systems translate into discernible variations in the operational strategies of competent authorities. Additionally, this empirical inquiry shed light on the efficacy of specific EU directives aimed at harmonizing food supplement regulations at the national level. These findings delineate a fragmented regulatory environment for botanical and bioactive food supplements across Member States. Noteworthy disparities were observed not only in national legislative frameworks but also in the enforcement practices of regulatory authorities. Union-level governance efforts in particular by adopting a mutual recognition approach to mitigate fragmentation proved ineffective. Consequently, this research underscores an urgent imperative to expedite the harmonization of regulations governing botanicals and other bioactive substances present in food supplements across the European Union.</p>","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":null,"pages":null},"PeriodicalIF":2.3,"publicationDate":"2024-07-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141740316","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"“Embedded Consumer”: Towards a Constitutional Reframing of the Legal Image of Consumers in EU law","authors":"J. Ouyang","doi":"10.1007/s10603-024-09570-1","DOIUrl":"https://doi.org/10.1007/s10603-024-09570-1","url":null,"abstract":"","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":null,"pages":null},"PeriodicalIF":2.3,"publicationDate":"2024-06-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141376489","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Strengthening Nigeria’s Digital Money Lending Ecosystem","authors":"O. Monye","doi":"10.1007/s10603-024-09569-8","DOIUrl":"https://doi.org/10.1007/s10603-024-09569-8","url":null,"abstract":"<p>The article examines the proliferation of short-term, unsecured credit offered by digital money lenders (DMLs) in Nigeria, with a focus on abusive debt collection practices such as unauthorised disclosure of personal information, the use of threats and the defamation of borrowers, often disregarding existing financial consumer safeguards. To balance the growth of digital lending with recognised consumer safeguards, the study employs a doctrinal research approach to assess consumer protection mechanisms within Nigeria’s legal and institutional framework. The article proposes several recommendations, including promoting consumer awareness, expanding judicial and administrative channels of reporting and redress, improving and publishing regulatory activities, introducing fair digital lending rules, employing Enforcement Technology to facilitate monitoring and redress, fostering industry collaboration in data sharing, expanding the scope of formal entities providing credit, simplifying access to formal credit and strengthening credit reporting. These measures aim to establish a sustainable, inclusive and empowering digital lending environment for all stakeholders.</p>","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":null,"pages":null},"PeriodicalIF":2.3,"publicationDate":"2024-05-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141064130","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"“Can I have it non-personalised?” An Empirical Investigation of Consumer Willingness to Share Data for Personalized Services and Ads","authors":"M. Leszczynska, D. Baltag","doi":"10.1007/s10603-024-09568-9","DOIUrl":"https://doi.org/10.1007/s10603-024-09568-9","url":null,"abstract":"","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":null,"pages":null},"PeriodicalIF":2.3,"publicationDate":"2024-05-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140964477","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The Link Between Digital Skills and Financial Inclusion—Evidence from Consumers Survey Data from Low-Income Areas","authors":"P. M. Vik, D. Kamerāde, K. T. Dayson","doi":"10.1007/s10603-024-09567-w","DOIUrl":"https://doi.org/10.1007/s10603-024-09567-w","url":null,"abstract":"<p>Financial and digital inclusion are key consumer policy agendas for governments globally. Yet, despite the importance of online interfaces to manage finances and make payments, the link between financial and digital inclusion remains under-researched. This study analyses the link between digital and financial inclusion drawing on data from a survey conducted of 922 adults in UK in 2018. The results suggest that the active use of banking services depends on digital skills. The level of self-rated internet proficiency predicts a variety of ways in which consumers use financial services in the management of their finances, including contactless payments, bank transfers, and the use of multiple banking services. This holds even when controlling for socioeconomic and demographic characteristics. Conversely, household income is more important as a determinant than digital skills in checking account balance online. This possibly reflects that liquidity constrained consumers generally prefer to monitor their spending using cash as this provides more precise information on their spending and remaining balance.</p>","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":null,"pages":null},"PeriodicalIF":2.3,"publicationDate":"2024-05-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140932562","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Household Food Consumption Typologies: Examining Population Adherence to Healthy Eating Guidelines for Evidence-Informed Policy Making","authors":"E. Beacom, C. McLaughlin, S. Furey","doi":"10.1007/s10603-024-09565-y","DOIUrl":"https://doi.org/10.1007/s10603-024-09565-y","url":null,"abstract":"<p>Food and nutrition are important issues of interest to policy makers, practitioners, and academics around the world due to the far-reaching consequences for society, households and individuals, and guidelines related to food consumption have been included in several policies both nationally and internationally. This study identifies household ‘typologies’ with regard to household food consumption of ‘marker’ food groups, and examines related associations with household demographics, analysing quantitative data on households (<i>n</i> = 4144) from the most recently available Northern Ireland Health Survey (2014/2015). Latent Class Analysis identified five household typologies; ‘Hedonistic Households (19%), Healthier Households (13%), General Households (42%), Unhealthier Households (3%), Balanced Households (23%)’, which individually vary in their adherence to recommended guidelines, and in their demographic composition. The study provides insight into how households’ dietary consumption patterns accord with government recommendations, and findings have implications for policy, for example through informing decision-making related to promoting behavioural change, and informing future collection of data related to ‘marker’ food groups.</p>","PeriodicalId":47436,"journal":{"name":"JOURNAL OF CONSUMER POLICY","volume":null,"pages":null},"PeriodicalIF":2.3,"publicationDate":"2024-04-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140613340","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}