Journal of Consumer Affairs最新文献_第2页

The Vulnerable on Campus: Financial Independence of College Students 校园中的弱势群体：大学生经济独立

IF 3.4 3区经济学

Journal of Consumer Affairs Pub Date : 2026-08-02 DOI: 10.1111/joca.70069

Jing Jian Xiao, Nilton Porto, Luiz Cruz, Ting An

引用次数: 0

Design-Mediated Affective Accountability: How Artificial Intelligence's Emotional Design Shapes Responsible Use 设计介导的情感责任：人工智能的情感设计如何塑造负责任的使用

IF 3.4 3区经济学

Journal of Consumer Affairs Pub Date : 2026-07-27 DOI: 10.1111/joca.70070

Samuel Babu Deborah Joshi, Samuel Babu Sekar

{"title":"Design-Mediated Affective Accountability: How Artificial Intelligence's Emotional Design Shapes Responsible Use","authors":"Samuel Babu Deborah Joshi, Samuel Babu Sekar","doi":"10.1111/joca.70070","DOIUrl":"https://doi.org/10.1111/joca.70070","url":null,"abstract":"<div>\u0000 \u0000 <p>This study investigates how artificial intelligence's (AI's) emotional architecture shapes users' emotions and influences responsible consumption behavior (RCB) across everyday contexts. Drawing from 45 interviews with AI users and guided by the Gioia methodology, we map how interface design generates affective responses that shape responsible use. The findings reveal five emotional dynamics synthesized into three core paradoxes that mediate responsible use: the anthropomorphism problem, in which artificial intimacy diminishes ethical vigilance; the paradox of friction, in which frustration enhances verification behaviors; and the transparency paradox, in which disclosure requirements provoke anxiety and reduce compliance. These relationships describe a pathway from emotional architecture to affective accountability, which we identify as the primary driver of RCB. We propose design-mediated affective accountability as the framework for responsible consumption behavior and advance testable propositions for designing AI systems that promote competence and long-term ethical engagement.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 3","pages":""},"PeriodicalIF":3.4,"publicationDate":"2026-07-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148616094","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

Disentangling Mixed Effects of Sponsorship Disclosure in Influencer Marketing: The Parasocial Relationship Mechanism Contingent on Brand and Influencer Characteristics 赞助披露在网红营销中的混合效应：基于品牌和网红特征的副社会关系机制

IF 3.4 3区经济学

Journal of Consumer Affairs Pub Date : 2026-07-24 DOI: 10.1111/joca.70067

Qian (Claire) Deng, Albena Pergelova, Alysha Hachey

{"title":"Disentangling Mixed Effects of Sponsorship Disclosure in Influencer Marketing: The Parasocial Relationship Mechanism Contingent on Brand and Influencer Characteristics","authors":"Qian (Claire) Deng, Albena Pergelova, Alysha Hachey","doi":"10.1111/joca.70067","DOIUrl":"https://doi.org/10.1111/joca.70067","url":null,"abstract":"<p>Current influencer marketing literature shows mixed results regarding sponsorship disclosure's impact on consumer responses, highlighting a key research gap in defining the boundaries of sponsorship disclosure effects. To fill this research gap, this research examines the role of sponsorship disclosure in influencer marketing, the underlying mechanism, and key boundary conditions. Through three experiments, this research demonstrates that sponsorship disclosure can enhance consumers' product purchase intentions. Building on attribution theory and relevant research, the influencer-consumer parasocial relationship (PSR) is found to be a key underlying mechanism. Furthermore, the positive effect of sponsorship disclosure via the PSR is found to be contingent on the awareness levels of the influencer and the sponsoring brand. Specifically, the positive effect of sponsorship disclosure is limited to well-known influencers endorsing lesser-known brands. This research contributes to the literature on sponsorship disclosure, PSRs, and influencer marketing, and offers implications for consumers, brands, influencers, and policymakers.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 3","pages":""},"PeriodicalIF":3.4,"publicationDate":"2026-07-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70067","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148615853","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

When Greenwashing Exploits Consumer Heuristics: Information Overload, Bounded Rationality, and Implications for Consumer Protection 当洗绿利用消费者启发：信息超载，有限理性，以及对消费者保护的影响

IF 3.4 3区经济学

Journal of Consumer Affairs Pub Date : 2026-07-20 DOI: 10.1111/joca.70068

Luca Lancini

{"title":"When Greenwashing Exploits Consumer Heuristics: Information Overload, Bounded Rationality, and Implications for Consumer Protection","authors":"Luca Lancini","doi":"10.1111/joca.70068","DOIUrl":"https://doi.org/10.1111/joca.70068","url":null,"abstract":"<p>Greenwashing persists not only because firms are motivated to inflate their sustainability claims but also because consumers, limited by bounded rationality, depend on heuristics when overwhelmed with information. This conceptual article uses behavioral economics to connect specific types of greenwashing and greenhushing to affect, availability, representativeness, attribute substitution, and default effects in real consumption situations. We focus on how vague or selective sustainability claims, the proliferation of eco-labels, and complex disclosure rules interact with consumer vulnerability and undermine mindful consumption, even when intentions are environmentally friendly. We then examine how existing green claims regulation and consumer protection strategies might unintentionally favor persuasive but weak signals over standardized and auditable information. The article argues that policies against greenwashing must redesign choice architecture and disclosure systems so that credible sustainability claims are easier to notice, interpret, and compare than opportunistic messages, thereby enhancing marketplace fairness and long-term consumer welfare.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 3","pages":""},"PeriodicalIF":3.4,"publicationDate":"2026-07-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70068","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148533992","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

Reimagining Therapy: Consumer Perceptions of Generative AI in Mental Health 重塑治疗：心理健康领域生成式人工智能的消费者认知

IF 3.4 3区经济学

Journal of Consumer Affairs Pub Date : 2026-07-11 DOI: 10.1111/joca.70066

Kaiwen Xue, Sven Tuzovic, Udo Gottlieb

{"title":"Reimagining Therapy: Consumer Perceptions of Generative AI in Mental Health","authors":"Kaiwen Xue, Sven Tuzovic, Udo Gottlieb","doi":"10.1111/joca.70066","DOIUrl":"https://doi.org/10.1111/joca.70066","url":null,"abstract":"<p>Growing numbers of consumers are turning to Generative AI (GenAI) for mental health support, yet the psychological engagement processes underlying consumer–GenAI therapy interactions remain insufficiently understood. This gap limits our ability to explain why consumer experiences diverge, particularly in emotionally sensitive contexts requiring high levels of engagement. To address that, we examine why these experiences vary and what mechanisms contribute to these conflicting outcomes. Drawing on 30 semi-structured interviews, we develop an integrative framework outlining an engagement process between consumers and GenAI therapy. Grounded in cognitive appraisal theory, the framework shows that GenAI operates simultaneously as a functional service and a relational agent, meaning that consumer decisions are shaped by both utilitarian and relational evaluations. By explaining how consumers appraise, reappraise, and cope with GenAI therapy, the framework clarifies the mechanisms underlying divergent outcomes and offers insights for identifying potential risks in GenAI mental health services.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 3","pages":""},"PeriodicalIF":3.4,"publicationDate":"2026-07-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70066","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148533223","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

Intergenerational Transmission of Money Attitudes and Financial Wellbeing: Evidence From Parent–Child Dyads in an Emerging Country 金钱态度和财务状况的代际传递：来自一个新兴国家的亲子关系的证据

IF 3.4 3区经济学

Journal of Consumer Affairs Pub Date : 2026-07-11 DOI: 10.1111/joca.70064

Amrita Kulshreshtha, Jing Jian Xiao, Devlina Chatterjee

{"title":"Intergenerational Transmission of Money Attitudes and Financial Wellbeing: Evidence From Parent–Child Dyads in an Emerging Country","authors":"Amrita Kulshreshtha, Jing Jian Xiao, Devlina Chatterjee","doi":"10.1111/joca.70064","DOIUrl":"https://doi.org/10.1111/joca.70064","url":null,"abstract":"<div>\u0000 \u0000 <p>Using data from 251 Indian parent–child dyads, we examine whether money attitudes of young adults reflect their parents' money attitudes. We also study whether parental money attitudes have a direct or indirect impact on the financial wellbeing (FWB) of their adult child. Confirmatory factor analysis yielded four distinct money attitudes viz. power-prestige, retention-time, distrust, and anxiety. Estimated PLS-SEM path models indicate that parental money attitudes are positively related to corresponding attitudes of their children. Parental anxiety had an indirect negative association with the child's FWB, mediated via parental FWB and child's anxiety. Parental retention-time had an indirect positive impact on the child's FWB mediated through parental FWB. Parental power-prestige and distrust did not affect child's FWB. Model fit parameters indicate high levels of in-sample validity and out-of-sample predictive ability. Our results provide novel evidence for the intergenerational transmission of money attitudes and its impact on FWB. Policy implications are discussed.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 3","pages":""},"PeriodicalIF":3.4,"publicationDate":"2026-07-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148533230","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

Bridging Financial Gaps: The Role of Fintech in Enhancing Well-Being for People With Disabilities 弥合资金差距：金融科技在增进残疾人福祉方面的作用

IF 3.4 3区经济学

Journal of Consumer Affairs Pub Date : 2026-07-10 DOI: 10.1111/joca.70065

Sunwoo T. Lee, Kyoung Tae Kim, Hee Yun Lee

{"title":"Bridging Financial Gaps: The Role of Fintech in Enhancing Well-Being for People With Disabilities","authors":"Sunwoo T. Lee, Kyoung Tae Kim, Hee Yun Lee","doi":"10.1111/joca.70065","DOIUrl":"https://doi.org/10.1111/joca.70065","url":null,"abstract":"<div>\u0000 \u0000 <p>This study examines the relationship between disability status and financial satisfaction, a subjective measure of financial well-being, with particular attention to the moderating role of financial technology (Fintech) among U.S. households. Using data from the 2021 National Financial Capability Study, we find that disability is negatively associated with financial satisfaction. However, the relationship between Fintech use and financial well-being varies by tool type and disability status. Mobile payments and task management apps are positively associated with financial satisfaction, whereas mobile banking and transfers are negatively correlated. Fintech use moderates the disability–satisfaction gap, particularly among individuals with multiple disabilities. Within this group, frequent use of mobile payments, transfers, and task management tools is associated with higher financial satisfaction. Taken together, these findings suggest that the associations between Fintech use and financial well-being are tool-specific and contingent on disability status, highlighting the importance of accessibility focused design in addressing financial disparities.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 3","pages":""},"PeriodicalIF":3.4,"publicationDate":"2026-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148533037","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

Bank on It: How Bank Account Access Enhances the Effectiveness of Financial Literacy Programs in Pakistan: A Quasi-Experimental Evaluation 银行理财：银行账户准入如何提高巴基斯坦金融扫盲项目的有效性：一项准实验性评估

IF 3.2 3区经济学

Journal of Consumer Affairs Pub Date : 2026-06-09 DOI: 10.1111/joca.70062

Awais Farid Khan, Andreas Chai, Nicholas Rohde, Mirela Malin

{"title":"Bank on It: How Bank Account Access Enhances the Effectiveness of Financial Literacy Programs in Pakistan: A Quasi-Experimental Evaluation","authors":"Awais Farid Khan, Andreas Chai, Nicholas Rohde, Mirela Malin","doi":"10.1111/joca.70062","DOIUrl":"https://doi.org/10.1111/joca.70062","url":null,"abstract":"<p>While the experiential learning approach effectively improves financial literacy in developed countries, its applicability in developing countries faces resource constraints. However, expanding banking access in developing countries may enhance traditional financial education programs by enabling the practical application of learned financial concepts. Using a quasi-experimental design, we examine this hypothesis by evaluating the impact of Pakistan's flagship financial education program on the financial knowledge of primary school students and demonstrate that the program significantly improves students' financial knowledge. Crucially, prior banking experience is statistically significant, implying that students having banking access are more receptive to financial literacy programs. From a policy point of view, this indicates that providing bank account access to students, alongside financial education, enhances the effectiveness of financial literacy programs in developing countries like Pakistan. It also advocates that financial literacy initiatives achieve better value for money when targeting population segments with existing financial service access.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 2","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-06-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70062","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148237462","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

Bank on It: How Bank Account Access Enhances the Effectiveness of Financial Literacy Programs in Pakistan: A Quasi-Experimental Evaluation 银行理财：银行账户准入如何提高巴基斯坦金融扫盲项目的有效性：一项准实验性评估

IF 3.2 3区经济学

Journal of Consumer Affairs Pub Date : 2026-06-09 DOI: 10.1111/joca.70062

Awais Farid Khan, Andreas Chai, Nicholas Rohde, Mirela Malin

{"title":"Bank on It: How Bank Account Access Enhances the Effectiveness of Financial Literacy Programs in Pakistan: A Quasi-Experimental Evaluation","authors":"Awais Farid Khan, Andreas Chai, Nicholas Rohde, Mirela Malin","doi":"10.1111/joca.70062","DOIUrl":"https://doi.org/10.1111/joca.70062","url":null,"abstract":"<p>While the experiential learning approach effectively improves financial literacy in developed countries, its applicability in developing countries faces resource constraints. However, expanding banking access in developing countries may enhance traditional financial education programs by enabling the practical application of learned financial concepts. Using a quasi-experimental design, we examine this hypothesis by evaluating the impact of Pakistan's flagship financial education program on the financial knowledge of primary school students and demonstrate that the program significantly improves students' financial knowledge. Crucially, prior banking experience is statistically significant, implying that students having banking access are more receptive to financial literacy programs. From a policy point of view, this indicates that providing bank account access to students, alongside financial education, enhances the effectiveness of financial literacy programs in developing countries like Pakistan. It also advocates that financial literacy initiatives achieve better value for money when targeting population segments with existing financial service access.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 2","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-06-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70062","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148237461","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

Positive Technology for Consumer Well-Being: The Role of Blockchain-Based Digital Product Passports in Mitigating Consumer Stress 消费者福祉的积极技术：基于区块链的数字产品护照在减轻消费者压力方面的作用

IF 3.2 3区经济学

Journal of Consumer Affairs Pub Date : 2026-06-02 DOI: 10.1111/joca.70057

Jisu Jang, Jiyun Kang

{"title":"Positive Technology for Consumer Well-Being: The Role of Blockchain-Based Digital Product Passports in Mitigating Consumer Stress","authors":"Jisu Jang, Jiyun Kang","doi":"10.1111/joca.70057","DOIUrl":"https://doi.org/10.1111/joca.70057","url":null,"abstract":"<p>Consumer stress induced by online luxury market has become a threat to consumer well-being. This research identifies key stress dimensions on online new and second-hand luxury platforms by applying natural language processing (NLP) to consumer-generated texts (Study 1). Although blockchain-based Digital Product Passports (DPPs) are becoming more widely used, it is unclear whether DPPs will mitigate stress or inadvertently exacerbate it through technological complexity. Framing DPPs as a positive technology, this research examines how DPPs could mitigate the qualitatively identified stress dimensions. The research investigates the different impact of DPPs benefits between new and second-hand platforms via a scenario-based experiment (Study 2). Immutability reduces stress only on second-hand platforms. Traceability has universal effects across both types. DPP benefits reduce hesitation and anticipated regret indirectly through stress reduction with platform-specific patterns. Findings help managers and policymakers identify the specific types of stress and develop targeted DPPs strategies based on platform type.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 2","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-06-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70057","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148173883","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