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Healthy financial habits in young adults: An exploratory study of the relationship between subjective financial literacy, engagement with finances, and financial decision-making 年轻人健康的理财习惯：主观理财知识、参与理财和财务决策之间关系的探索性研究
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2023-01-26 DOI: 10.1111/joca.12512
Elisabeth Sinnewe, Gavin Nicholson
{"title":"Healthy financial habits in young adults: An exploratory study of the relationship between subjective financial literacy, engagement with finances, and financial decision-making","authors":"Elisabeth Sinnewe,&nbsp;Gavin Nicholson","doi":"10.1111/joca.12512","DOIUrl":"10.1111/joca.12512","url":null,"abstract":"<p>This paper provides insights into young adults' financial habits and decision-making considerations as they enter the workforce. We use 28 semi-structured interviews with Australian university graduates to explore how their motivation to engage with personal finances and their subjective financial literacy, i.e., self-reported, support healthy financial habits. Our findings show that a young adult's social context and exposure to financial hardship rather than their financial confidence determine the health of their financial habits. We observed research participants in a romantic partnership as more focused on their future. This future focus motivates them to engage more with their finances and manifests as explicit goal setting, formal budgeting, or adherence to strict bucket systems. These insights might be useful for policymakers and educators: social context matters when designing financial health interventions, while financial education programs predominately should aim at demystifying complex long-term financial decision-making such as investments and retirement.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":null,"pages":null},"PeriodicalIF":2.8,"publicationDate":"2023-01-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12512","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43875521","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Mindfulness through agency in health consumption: Empirical evidence from committed dietary supplement consumers 正念通过代理在健康消费:来自忠实膳食补充剂消费者的经验证据
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2023-01-25 DOI: 10.1111/joca.12508
Yun Wang, Leighann C. Neilson, Shaobo Ji
{"title":"Mindfulness through agency in health consumption: Empirical evidence from committed dietary supplement consumers","authors":"Yun Wang,&nbsp;Leighann C. Neilson,&nbsp;Shaobo Ji","doi":"10.1111/joca.12508","DOIUrl":"10.1111/joca.12508","url":null,"abstract":"<p>Due to individuals' increasing demand for health promotion, various health-related consumer goods, like dietary supplements (DS), have flourished in the marketplace as magical solutions to consumers' life problems. Inevitably influenced by various marketplace stakeholders and information sources such as family, friends, brands, and social media influencers, consumers may encounter difficulties making well-informed health decisions. Based on empirical evidence gleaned from in-depth interviews with DS consumers, this research contributes to consumer wellness and health promotion research by confirming the role of mindfulness as an agency in distancing individuals from external social noises and enabling them to respond flexibly to inner experiences and desires. We contribute to mindful consumption research by identifying the positive impact of mindfulness on facilitating conscious and independent DS consumption decisions and health practices. Moreover, the daily practices that enable individuals to accumulate mindfulness and the impact of mindfulness on females' perception of beauty are discussed.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":null,"pages":null},"PeriodicalIF":2.8,"publicationDate":"2023-01-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12508","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46115660","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
Treat yourself: Food delivery apps and the interplay between justification for use and food well-being 善待自己：送餐应用程序以及使用理由和食物幸福之间的互动
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2023-01-24 DOI: 10.1111/joca.12507
Sabrina Capito, Albena Pergelova
{"title":"Treat yourself: Food delivery apps and the interplay between justification for use and food well-being","authors":"Sabrina Capito,&nbsp;Albena Pergelova","doi":"10.1111/joca.12507","DOIUrl":"10.1111/joca.12507","url":null,"abstract":"<p>This study examines the relationship between justification for use and well-being in respect to mobile food delivery apps (FDA). Adopting an interpretivist qualitative approach, the study offers contributions to the FDA and food well-being literature by uncovering four groups of licensing effects that consumers use in justifying FDA use. Those licensing effects can have either positive or negative influence on consumers' well-being depending on the degree to which consumers engage in self-regulation, awareness, and conscious managing of their relationship with food. The study also unravels the importance of dealing with the tensions between FDA use and well-being by shedding light on feelings of guilt and financial anxiety related to FDA use.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":null,"pages":null},"PeriodicalIF":2.8,"publicationDate":"2023-01-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45163158","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Compulsory technology adoption & adaptation in education: A looming student privacy problem 教育中的强制性技术采用与适应:一个迫在眉睫的学生隐私问题
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2022-12-28 DOI: 10.1111/joca.12506
Kristen L. Walker, Kiya Bodendorf, Tina Kiesler, Georgie de Mattos, Mark Rostom, Amr Elkordy
{"title":"Compulsory technology adoption & adaptation in education: A looming student privacy problem","authors":"Kristen L. Walker, Kiya Bodendorf, Tina Kiesler, Georgie de Mattos, Mark Rostom, Amr Elkordy","doi":"10.1111/joca.12506","DOIUrl":"https://doi.org/10.1111/joca.12506","url":null,"abstract":"","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":null,"pages":null},"PeriodicalIF":2.8,"publicationDate":"2022-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41781999","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Compulsory technology adoption and adaptation in education: A looming student privacy problem 教育中的强制性技术采用和适应：迫在眉睫的学生隐私问题
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2022-12-28 DOI: 10.1111/joca.12506
Kristen L. Walker, Kiya Bodendorf, Tina Kiesler, Georgie de Mattos, Mark Rostom, Amr Elkordy
{"title":"Compulsory technology adoption and adaptation in education: A looming student privacy problem","authors":"Kristen L. Walker,&nbsp;Kiya Bodendorf,&nbsp;Tina Kiesler,&nbsp;Georgie de Mattos,&nbsp;Mark Rostom,&nbsp;Amr Elkordy","doi":"10.1111/joca.12506","DOIUrl":"https://doi.org/10.1111/joca.12506","url":null,"abstract":"<p>Educational settings worldwide have a significant impact on the early use of digital devices and online media by children. Therefore, schools' educational technology (EdTech) adoption decisions may lead to long-term repercussions for students and society. The authors explore how schools make technology decisions on behalf of their students, focusing on the ways that privacy and data security are considered in technology adoption decisions and use. Adaptation-level theory helps to illustrate the growing dependence on technology in compulsory educational settings, the convenience of adopting digital tools, and the risks to children that result as they use and <i>adapt</i> to technology. Analysis of in-depth interviews and text analysis of public state reports indicate that confusion between information technology and EdTech consequentially leads to a “privacy-security chasm.” Findings highlight privacy-security challenges in K-12 school districts and the growing need to understand student privacy protection as part of children's digital well-being.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":null,"pages":null},"PeriodicalIF":2.8,"publicationDate":"2022-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12506","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"50146101","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Financial inclusion and food insecurity: Examining linkages and potential pathways 金融包容性和粮食不安全：研究联系和潜在途径
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2022-12-22 DOI: 10.1111/joca.12505
Isaac Koomson, Simplice A. Asongu, Alex O. Acheampong
{"title":"Financial inclusion and food insecurity: Examining linkages and potential pathways","authors":"Isaac Koomson,&nbsp;Simplice A. Asongu,&nbsp;Alex O. Acheampong","doi":"10.1111/joca.12505","DOIUrl":"10.1111/joca.12505","url":null,"abstract":"<p>Considering the worsening levels of food insecurity globally, studies exploring the link between financial inclusion and food insecurity have become imperative. This paper contributes to the literature by examining the effect of financial inclusion on food insecurity using a multidimensional index of financial inclusion and a food insecurity construct obtained from the Food Insecurity Experience Scale. Based on data extracted from the seventh round of the Ghana Living Standards Survey, our preferred endogeneity-corrected results indicate that improvements in financial inclusion is associated with a reduction in food insecurity. This finding is consistent across different conceptualisations of food insecurity, alternative weighting schemes and cut-offs for the financial inclusion index and different quasi-experimental methods. Financial inclusion is mainly effective in reducing food insecurity in male-headed and rural-located households. Our findings reveal that entrepreneurship is an important pathway through which financial inclusion influences food insecurity.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":null,"pages":null},"PeriodicalIF":2.8,"publicationDate":"2022-12-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12505","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43840022","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 4
Extending the diversity conversation: Fashion consumption experiences of underrepresented and underserved women 扩大多元化对话:未被充分代表和服务不足的女性的时尚消费体验
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2022-12-14 DOI: 10.1111/joca.12504
Lena Cavusoglu, Deniz Atik
{"title":"Extending the diversity conversation: Fashion consumption experiences of underrepresented and underserved women","authors":"Lena Cavusoglu, Deniz Atik","doi":"10.1111/joca.12504","DOIUrl":"https://doi.org/10.1111/joca.12504","url":null,"abstract":"","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":null,"pages":null},"PeriodicalIF":2.8,"publicationDate":"2022-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"63883029","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Health shocks and mortgage debt payoff among American homeowners over age 50: A survival analysis 美国50岁以上房主的健康冲击与抵押贷款债务偿还：生存分析
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2022-12-14 DOI: 10.1111/joca.12503
Qun Zhang, Hyungsoo Kim
{"title":"Health shocks and mortgage debt payoff among American homeowners over age 50: A survival analysis","authors":"Qun Zhang,&nbsp;Hyungsoo Kim","doi":"10.1111/joca.12503","DOIUrl":"10.1111/joca.12503","url":null,"abstract":"<p>Mortgage debt is financially burdensome for many older homeowners in the United States. As people age, declining health can bring about increased healthcare costs. Focusing on homeowners aged 50 and older in the U.S., we investigate two research questions: (1) To what extent does a heath shock affect the likelihood of paying off a mortgage voluntarily or involuntarily? and (2) how long does a health shock delay the time it takes to pay off a mortgage? We used eight biannual waves (2004–2018) of the Health and Retirement Study containing 11,772 borrowers to build survival regression models. Results showed that a health shock reduced the likelihood of voluntary payoff by 12%, while it increased the probability of involuntary payoff by 18%. A health shock delayed voluntary and involuntary payoffs for 30 and 21 months, respectively. We discuss tax deduction and HELOCs as strategies to reduce older homeowners' mortgage strain.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":null,"pages":null},"PeriodicalIF":2.8,"publicationDate":"2022-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48999669","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Extending the diversity conversation: Fashion consumption experiences of underrepresented and underserved women 扩大多样性对话：代表性不足和服务不足女性的时尚消费体验
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2022-12-14 DOI: 10.1111/joca.12504
Lena Cavusoglu, Deniz Atik
{"title":"Extending the diversity conversation: Fashion consumption experiences of underrepresented and underserved women","authors":"Lena Cavusoglu,&nbsp;Deniz Atik","doi":"10.1111/joca.12504","DOIUrl":"https://doi.org/10.1111/joca.12504","url":null,"abstract":"<p>This research brings in the voice of underserved and underrepresented women of various racial or ethnic origins and social classes, who have differing buying powers, sexual orientations, body shapes, and physical appearances, into the conversation of fashion diversity. Through a qualitative inquiry with 38 semi-structured in-depth interviews, the researchers analyzed the consumption experiences of diverse women to expose what the fashion scene is lacking. The study's main contribution is the depiction of overlooked diversity categories in fashion, such as the non-White and non-Black women of color, women of average sizes, and women with characteristics that the fashion industry has long seen as flaws. For women's physical and psychological well-being, the authors of this study hope to lead fashion producers and researchers into a new era of diversity and minimize certain consumer groups' exclusion through discrimination, isolation, and segregation.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":null,"pages":null},"PeriodicalIF":2.8,"publicationDate":"2022-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12504","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"50132356","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Can behavioral nudges and incentives help lower-income households build emergency savings with tax refunds? Evidence from field and survey experiments 行为补贴和激励措施能否帮助低收入家庭通过退税建立紧急储蓄？实地和调查实验的证据
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2022-12-09 DOI: 10.1111/joca.12498
Mathieu Despard, Stephen Roll, Michal Grinstein-Weiss, Bradley Hardy, Jane Oliphant
{"title":"Can behavioral nudges and incentives help lower-income households build emergency savings with tax refunds? Evidence from field and survey experiments","authors":"Mathieu Despard,&nbsp;Stephen Roll,&nbsp;Michal Grinstein-Weiss,&nbsp;Bradley Hardy,&nbsp;Jane Oliphant","doi":"10.1111/joca.12498","DOIUrl":"10.1111/joca.12498","url":null,"abstract":"<p>Tax refunds are an opportunity for lower-income households to accumulate emergency savings so they have cash on hand to cover expenses when income is insufficient. Our field experiments testing different behavioral interventions to encourage refund saving via online tax filing show small effect sizes (0.12–0.14) and a low aggregate savings rate (12%) that might be increased were filers to receive financial incentives. We test a key provision of the Refund to Rainy Day Saving and Financial Security Credit Acts using a survey experiment, finding that hypothetical refund saving jumps from 16% with no financial incentive, to 71% and 80% with 25% and 50% matches, respectively, findings which are mostly insensitive to refund size. Our results suggest that public policies to provide greater financial support—including stronger income supports—will better prepare lower-income households for financial emergencies than behavioral interventions to nudge refund saving.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":null,"pages":null},"PeriodicalIF":2.8,"publicationDate":"2022-12-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12498","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47933887","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
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