Journal of Consumer Affairs最新文献

{"title":"When the bridge is not human: Algorithmic interference in forming social relationships through the manipulation of weak ties","authors":"Patricia A. Norberg,&nbsp;Daniel R. Horne","doi":"10.1111/joca.12586","DOIUrl":"10.1111/joca.12586","url":null,"abstract":"<p>In recent years, social media applications have grown in number and in user bases. Recommendation algorithms on these platforms refer social others and related content to users. Using Granovetter's tie strength theory and the literature on relationship formation as conceptual foundations, we argue that these social media algorithms can damage a user's ability to establish diverse relationships and the benefits therein, thereby reducing personal, and, when aggregated, societal advantages. We argue that this occurs because the algorithms take on social actor roles and operate as “weak tie imposters” that serve as bridges to like others and content. This work provides a new conceptualization of the role recommendation algorithms play in social relationships, argues how they impact social relationship development and user privacy, and offers potential solutions to the issues related to algorithmic interference.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"606-629"},"PeriodicalIF":2.8,"publicationDate":"2024-05-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141103426","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}

{"title":"The impact of payday alternative loans on credit union performance and loan quality","authors":"Cullen F. Goenner","doi":"10.1111/joca.12585","DOIUrl":"10.1111/joca.12585","url":null,"abstract":"<p>Federal regulators in 2010 amended lending rules to allow federal credit unions (FCU) to originate short-term, small-dollar amount loans, with an annual percentage rate of up to 1000 basis points above the otherwise imposed interest rate ceiling of 18 percent. The purpose of the change in policy was to allow FCUs the ability to provide their members with an alternative to payday loans. We find the decision to originate these higher-interest loans is primarily influenced by the characteristics of a credit union's environment. Credit unions located in minority neighborhoods and in markets with fewer traditional financial services are more likely to participate in the payday alternative loan program. Participation in the program is shown to improve earnings performance without adversely affecting participants' loan quality. These results suggest credit unions can provide lower-priced alternatives to payday loans that are beneficial to members and their credit unions.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"558-586"},"PeriodicalIF":2.8,"publicationDate":"2024-05-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140970501","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}

{"title":"Moral disengagement and neutralization techniques as explanations of unethical behavior","authors":"Robyn McCormack,&nbsp;Rafi M. M. I. Chowdhury","doi":"10.1111/joca.12575","DOIUrl":"10.1111/joca.12575","url":null,"abstract":"<p>Ethical consumption is important for both consumers and social welfare. However, many consumers avoid or ignore ethical consumption practices. An explanation of the psychological processes that impede ethical behavior is important research. A survey of 436 American consumers reveals that various types of moral disengagement (behavior and victim loci) and neutralization techniques sequentially explain unethical consumer behavior. From a theoretical perspective, both these constructs are relevant in this context, yet prior research utilizes these constructs separately or conflates them. Moreover, findings show that a particular type of moral disengagement, the agency locus, paradoxically promotes ethical consumer behavior. This research also examines locus of control (chance) and trait cynicism as antecedents of unethical consumer behavior. Locus of control (chance), not trait cynicism, leads to less ethical consumer behavior through moral disengagement and neutralization techniques. Insights benefit consumers, marketers, and policymakers in promoting ethical consumption that enhances consumer well-being.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"630-662"},"PeriodicalIF":2.8,"publicationDate":"2024-05-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12575","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140828402","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}

{"title":"Losing privacy versus losing choice: How consumers react to different costs of personalization","authors":"Nora Moran","doi":"10.1111/joca.12584","DOIUrl":"10.1111/joca.12584","url":null,"abstract":"<p>This research investigates whether consumers anticipate any negative financial consequences arising from personalization practices, and examines how individuals respond to messages about its financial welfare implications, to see what factors increase blame toward firms for the impact their tactics can have on vulnerable populations. Results from a pilot study show that while privacy risks of personalization are highly accessible, few consider its potential to influence spending behavior. In addition, experimental studies reveal that individuals are more likely to blame firms for increases in teen consumer spending when they learn how online tactics limit and determine consumer choices, compared with when messages focus on firm's use of personal information. Additional studies also introduce a moderator for this effect. Overall, this research highlights limitations in consumers' ability to consider consequences of personalization, and provides guidance for advocates on how to better educate the public about potential issues associated with online marketing tactics.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"587-605"},"PeriodicalIF":2.8,"publicationDate":"2024-04-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12584","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140828882","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}

{"title":"Youth in individualistic countries have higher financial literacy: Evidence from PISA","authors":"Kristjan Pulk,&nbsp;Leonore Riitsalu","doi":"10.1111/joca.12582","DOIUrl":"10.1111/joca.12582","url":null,"abstract":"<p>Financial literacy is an important life skill, but to date, it is mostly studied on the individual level. To investigate the role of national culture in financial literacy, we analyze data from 20 countries participating in the Program for International Student Assessment (PISA) 2018 financial literacy assessment with four approaches to measuring national culture: Hofstede, Schwartz, Inglehart–Welzel, and Minkov–Kaasa cultural dimension frameworks. This is the first study that links PISA financial literacy scores to these four culture models simultaneously, filling a gap in research on youth financial literacy. We find that culture explains an important part of within-country variance in financial literacy. The results indicate that individualism is positively associated with youth financial literacy scores, with the Schwartz embeddedness dimension remaining consistent after a set of control variables. Therefore, financial education initiatives need to consider in their design and implication the cultural context of the participants.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"432-450"},"PeriodicalIF":2.8,"publicationDate":"2024-04-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140802367","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}

{"title":"Law and order? Associations between payday lending prohibition and alternative financial services use by degree of enforcement","authors":"Melody Harvey,&nbsp;Cliff A. Robb,&nbsp;Christopher L. Peterson","doi":"10.1111/joca.12583","DOIUrl":"10.1111/joca.12583","url":null,"abstract":"<p>Sixteen jurisdictions in the United States prohibit payday lending through stringent usury laws or well-established nonprofitable 36% interest rate caps. Yet over one in 10 consumers residing in these jurisdictions borrowed payday loans in the past 5 years. This raises questions about actual policy implementation and enforcement. We employ data from the 2018 National Financial Capability Study to investigate if associations between payday lending prohibitions and payday borrowing differ by degree of enforcement. We find that nuances in degree of enforcement among restrictive states are not associated with payday borrowing likelihoods. However, these nuances appear when examining payday borrowing frequency, particularly when controlling for consumers' financial circumstances and when conditioning on alternative financial services consumers. We consistently note the highest borrowing behaviors for states sans regulation. Policymakers may consider strengthening enforcement in cases where the primary goal is preventing or reducing payday borrowing.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"538-557"},"PeriodicalIF":2.8,"publicationDate":"2024-04-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12583","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140656222","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}

{"title":"Financial stress among college students: New data about student loan debt, lack of emergency savings, social and personal resources","authors":"Rachel Danahy,&nbsp;Cäzilia Loibl,&nbsp;Catherine P. Montalto,&nbsp;Dean Lillard","doi":"10.1111/joca.12581","DOIUrl":"10.1111/joca.12581","url":null,"abstract":"<p>We provide updated results about the link between student loan debt and emergency savings with financial stress, and after conditioning for differences in social and personal resources. We use the stress process model framework and data from the 2020 Study on Collegiate Financial Wellness (<i>N</i> = 25,310) to estimate ordered probit regression models. The 2020 data confirm that students report higher levels of stress if they hold more loan debt and have lower emergency savings. Students with higher levels of financial socialization and financial self-efficacy experience less financial stress and experience more stress when they report both positive and negative financial management behaviors. Among student-borrowers, the role of social and personal resources is weakened. The data confirm ongoing financial stress among college students and points to the important role of financial socialization through parents and financial skill in students' ability to cope with financial stress.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"692-709"},"PeriodicalIF":2.8,"publicationDate":"2024-04-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12581","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140657075","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}

{"title":"Troubling genderS and consumer well-being: Going across, between and beyond the binaries to gender/sex/ual and intersectional diversity","authors":"Laurel Steinfield,&nbsp;Martina Hutton,&nbsp;Mohammed Cheded","doi":"10.1111/joca.12573","DOIUrl":"https://doi.org/10.1111/joca.12573","url":null,"abstract":"<p>In this editorial we outline why a call for more inclusive, conscientious approaches to studying gender/sex/ual diversity and intersectional identities is needed, and how the articles in this special issue answered this call. We summarize key takeaways from a review of the literature, noting significant under-representation of gender/sex/ual diversity and intersectional social locations. We also explore the history of the gender/sex binaries (e.g., female/male; women/men; femininity/masculinity) to help illuminate the premises upon which the popular trend of studying gender/sex differences between men and women and the invisibilities of gender/sex/ual diverse people exist. We conclude with guidance on how scholars and practitioners might engage in thinking, doing, and connecting to move the conversation forward.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 1","pages":"3-53"},"PeriodicalIF":2.8,"publicationDate":"2024-04-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12573","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140622654","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}

{"title":"The protection of rights and advancement of GenderS: In conversation with Abigail Nappier Cherup, Kevin D. Thomas, Wendy Hein, and Jack Coffin","authors":"Laurel Steinfield,&nbsp;Martina Hutton,&nbsp;Mohammed Cheded,&nbsp;Abigail Nappier Cherup,&nbsp;Kevin D. Thomas,&nbsp;Wendy Hein,&nbsp;Jack Coffin","doi":"10.1111/joca.12571","DOIUrl":"https://doi.org/10.1111/joca.12571","url":null,"abstract":"<p>In this panel discussion, we explore various ways that academics can advance work related to GenderS, intersectionality and inequities so that it has impact within academia and in society. Panelists offer practical insights, relate challenges in doing this work, and suggest avenues for alternative yet impactful dissemination of work. The purpose is to demonstrate how those interested in supporting or working in this space might move from being allies to advocates and accomplices.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 1","pages":"197-208"},"PeriodicalIF":2.8,"publicationDate":"2024-04-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12571","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140622674","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}

{"title":"E. Thomas Garman in memoriam","authors":"Brenda J. Cude","doi":"10.1111/joca.12579","DOIUrl":"10.1111/joca.12579","url":null,"abstract":"&lt;p&gt;E. Thomas Garman (Tom) passed away February 17, 2024 in Florida. Dr. Garman was a widely known author and academic who was a respected leader in both the American Council on Consumer Interests (ACCI) and the Association for Financial Counseling and Planning Education (AFCPE). The textbook he coauthored with Ray Forgue, &lt;i&gt;Personal Finance&lt;/i&gt;, has been widely adopted for use in classrooms for more than four decades.&lt;/p&gt;&lt;p&gt;Like many of the early leaders in ACCI, Dr. Garman earned his undergraduate degree in business and taught business education in high school early in his career. After completing a Ph.D. in Economics Education at Texas Tech University, Dr. Garman taught first at Northern Illinois University (for 6 years) and then at Virginia Tech University (for 25 years).&lt;/p&gt;&lt;p&gt;A recitation of the milestones in Dr. Garman's career cannot convey the enthusiasm with which he approached personal finance. He often said, “As professors, we should &lt;i&gt;profess&lt;/i&gt; something.” At every opportunity, Dr. Garman professed his belief in the value of his work and its potential to improve quality of life.&lt;/p&gt;&lt;p&gt;Dr. Garman demonstrated his passion in a variety of ways. Early in his career, he worked in economic development in West Africa. He directed the National Institute for Personal Finance Employee Education and then founded the Personal Finance Employee Education Foundation. Dr. Garman led many research studies that linked employer financial success with their employees' financial health. He created the eight question “Personal Financial Wellness” scale, which has been used by more than 500 researchers in the U.S.; the scale has been translated into 20 languages and used in 70 foreign countries.&lt;/p&gt;&lt;p&gt;Dr. Garman was a vibrant participant in ACCI throughout his career. He served as ACCI Treasurer in 1972–1973, Vice-President in 1973–1974, President in 1974–1975, and Past President in 1975–1976. Dr. Garman was a frequent presenter and enthusiastically engaged in the academic discussions that are a hallmark of ACCI Conferences. In the ACCI Oral History completed by Norman Silber in 1987, Dr. Garman described ACCI Conferences: “This meeting is unlike any other place in the world. Here we are allowed to express our points of view with some vigor, not with meanness. Then we put our arms around each other, hug and go and have a drink, because we are trying to educate, project, inform, persuade.” Many of us who knew Tom received those hugs and invitations to join him in a drink at every conference.&lt;/p&gt;&lt;p&gt;Dr. Garman was fortunate to enjoy retirement for 23 years. During that time he married the love of his life, Geraldine Ann Chambers (Gerry), and together they traveled overseas extensively. Dr. Garman loved reading as well as golf and was a huge fan of the Denver Broncos and the UConn Huskies women's basketball team. He is survived by his wife, his sister, his son, and a granddaughter.&lt;/p&gt;&lt;p&gt;Each of us can honor Dr. Garman's life by exhibiting the same passion ","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"710-711"},"PeriodicalIF":2.8,"publicationDate":"2024-04-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12579","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140626913","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}