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Improving the effectiveness of financial education programs. A targeting approach 提高金融教育计划的有效性。有针对性的方法
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2024-04-10 DOI: 10.1111/joca.12577
Ginevra Buratti, Alessio D'Ignazio
{"title":"Improving the effectiveness of financial education programs. A targeting approach","authors":"Ginevra Buratti,&nbsp;Alessio D'Ignazio","doi":"10.1111/joca.12577","DOIUrl":"10.1111/joca.12577","url":null,"abstract":"<p>We investigate whether targeting algorithms can improve the effectiveness of financial education programs by identifying ex-ante the most appropriate recipients. To this end, we use micro-data from around 3800 individuals who participated in a financial education campaign conducted in Italy in late 2021. First, we employ machine learning (ML) tools to devise a targeting rule that identifies individuals who should be primarily targeted by a financial education campaign based on easily observable characteristics. Second, we simulate a policy scenario, using a random sample of individuals who took part in the campaign but were not employed to devise the targeting rule. We find that pairing a financial education campaign with an ML-based targeting rule leads to greater effectiveness. Finally, we discuss the policy implications of our findings, and the conditions that must be met for ML-based targeting to be effectively implemented.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"451-485"},"PeriodicalIF":2.8,"publicationDate":"2024-04-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140568509","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
Social institutions as enablers and inhibitors of environmental activism: A cross-cultural perspective 社会机构是环境行动主义的促进因素和抑制因素：跨文化视角
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2024-04-03 DOI: 10.1111/joca.12578
Colin B. Gabler, Meike Eilert
{"title":"Social institutions as enablers and inhibitors of environmental activism: A cross-cultural perspective","authors":"Colin B. Gabler,&nbsp;Meike Eilert","doi":"10.1111/joca.12578","DOIUrl":"10.1111/joca.12578","url":null,"abstract":"<p>Societal well-being requires immediate global action from individuals and governments to vote on and enact policies that slow down, stop, and reverse the effects of climate change. To pressure governments and motivate policymakers to act, individuals can engage in environmental activism; however, even if individuals consider the environment important, they often do not follow through with action. Using a unique, large-scale secondary data set from over 60,000 individuals in 48 countries, we examine the influence of social institutions on environmental activism among a nation's citizens. We find that religiosity inhibits environmental activism while education enables it. Confidence in the judiciary system also increases the likelihood that individuals act on their pro-environmental attitudes while confidence in the government weakens this relationship. We discuss implications for policymakers and community organizers looking to increase the well-being of their constituents.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"663-691"},"PeriodicalIF":2.8,"publicationDate":"2024-04-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140568312","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
Unbanked and impoverished? Exploring banking and poverty interactions over time 无银行和贫困？探索银行业务与贫困的长期互动关系
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2024-04-01 DOI: 10.1111/joca.12576
John Creamer, Lewis Warren
{"title":"Unbanked and impoverished? Exploring banking and poverty interactions over time","authors":"John Creamer,&nbsp;Lewis Warren","doi":"10.1111/joca.12576","DOIUrl":"10.1111/joca.12576","url":null,"abstract":"<p>In 2019, the Federal Deposit Insurance Corporation (FDIC) reported that 7.1 million households in the United States (5.4%) were unbanked and lacked a checking or savings account). Using three leading household surveys, this paper documents how the interaction between bank access and poverty has evolved over time. We present a historical time series of unbanked rates, showing high-unbanked rates for those in poverty even with increases in financial access over time. In the 1980s, 49.6% of households in poverty were unbanked while 22.8% were unbanked in 2019. Unbanked rates were even higher for Black and Hispanic households that were in poverty. In the 1980s, these groups had unbanked rates of 73.6% and 66.5% which declined to 38.4% and 31.8% in 2019, respectively. To explain differences in banking rates by race, we use binary Kitagawa-Oaxaca-Blinder decompositions. Socio-demographic characteristics explain less than half the difference in unbanked rates for Blacks and around half for Hispanics.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"506-537"},"PeriodicalIF":2.8,"publicationDate":"2024-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140600353","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
A systematic conceptual review of financial access 对资金获取的系统性概念审查
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2024-03-13 DOI: 10.1111/joca.12574
Julie Birkenmaier, Jin Huang
{"title":"A systematic conceptual review of financial access","authors":"Julie Birkenmaier,&nbsp;Jin Huang","doi":"10.1111/joca.12574","DOIUrl":"10.1111/joca.12574","url":null,"abstract":"<p>Financial access is used in practice and research as an important concept relevant to financial capability and financial well-being. This study examines the literature on individual financial access and develops a conceptualization, definition, domains, and proposed items. Following a systematic conceptual review method, the review is based on 171 articles published during January 2012–August 2022 retrieved from Scopus and Dissertation and Thesis Global. Using grounded theory, data were coded related to financial access definition, concepts, measurement, and associated content. The domains identified were <i>Mainstream Financial Products and Services, Institutional Practices of Available Mainstream Financial Service Providers, Individual Resources and Intrinsic Qualities and Abilities,</i> and <i>Individual Financial Action and Perceptions. Financial Products or Services Utilized by Social Programs to Provide Benefits</i> was added. Study implications include the need to broaden the focus of policies and practices beyond ownership of financial products and services. Directions for future research are discussed.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"367-396"},"PeriodicalIF":2.8,"publicationDate":"2024-03-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140151762","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
Moving gender across, between and beyond the binaries: In conversation with Shona Bettany, Olimpia Burchiellaro and Rohan Venkatraman 跨越、介于和超越二元对立的性别：与 Shona Bettany、Olimpia Burchiellaro 和 Rohan Venkatraman 对话
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2024-03-12 DOI: 10.1111/joca.12572
Mohammed Cheded, Martina Hutton, Laurel Steinfield, Shona Bettany, Olimpia Burchiellaro, Rohan Venkatraman
{"title":"Moving gender across, between and beyond the binaries: In conversation with Shona Bettany, Olimpia Burchiellaro and Rohan Venkatraman","authors":"Mohammed Cheded,&nbsp;Martina Hutton,&nbsp;Laurel Steinfield,&nbsp;Shona Bettany,&nbsp;Olimpia Burchiellaro,&nbsp;Rohan Venkatraman","doi":"10.1111/joca.12572","DOIUrl":"10.1111/joca.12572","url":null,"abstract":"<p>This panel discussion explores why marketing and consumer behavior has struggled to move beyond the binary, the importance of disrupting the conventional binaries to recognize gender/sex/ual diversity, and the challenges in so doing. It raises to the fore concerns about institutional pressures, sanitization of work, academic positionalities, everyday encounters of discrimination against gender/sex/ual diversity, and the emancipatory but oppressive dynamics of categories. Yet the panelists also reflect on ways to challenge binaristic thinking. Just being in the academy and doing (small but) meaningful acts of institutional activism can produce ripple effects and open pathways for a better articulation of lived experiences and realities.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 1","pages":"209-222"},"PeriodicalIF":2.8,"publicationDate":"2024-03-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12572","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140117339","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
Drivers and consequences of borrowers' voluntary privacy information disclosure—Evidence from a Chinese online consumer financing platform 借款人自愿披露隐私信息的驱动因素和后果--来自中国网络消费融资平台的证据
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2024-03-01 DOI: 10.1111/joca.12570
Xiaodan Zhang, Guoqun Fu, Maiju Guo, Zeng Wang
{"title":"Drivers and consequences of borrowers' voluntary privacy information disclosure—Evidence from a Chinese online consumer financing platform","authors":"Xiaodan Zhang,&nbsp;Guoqun Fu,&nbsp;Maiju Guo,&nbsp;Zeng Wang","doi":"10.1111/joca.12570","DOIUrl":"10.1111/joca.12570","url":null,"abstract":"<p>This study explores the drivers and consequences of consumers' voluntary information disclosure in the context of online consumer financing. Using unique secondary data from a Chinese online consumer financing company, we uncover a non-linear relationship between borrowers' credit ratings and the quantity of voluntary information disclosure, and an inverted U-shaped relationship between the amount of information disclosure and loan default. Specifically, low-credit borrowers who opt for more voluntary information disclosure manifest a higher likelihood of default than those who disclose less, suggesting a strategic inclination toward information disclosure. Finally, we identify that disclosing high-cost information reduces loan default, whereas disclosing low-cost information increases default. Our findings enrich the existing literature on consumer information disclosure by providing insights into the underlying motivation and highlighting the applicability of signaling theory and privacy calculus theory. This has practical implications for lenders, borrowers, and regulators in overcoming barriers in online lending.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 1","pages":"254-279"},"PeriodicalIF":2.8,"publicationDate":"2024-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140091352","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
Income predictability and budgeting 收入可预测性和预算编制
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2024-02-29 DOI: 10.1111/joca.12568
C. Yiwei Zhang, Abigail B. Sussman
{"title":"Income predictability and budgeting","authors":"C. Yiwei Zhang,&nbsp;Abigail B. Sussman","doi":"10.1111/joca.12568","DOIUrl":"10.1111/joca.12568","url":null,"abstract":"<p>Unpredictable income poses a significant threat to economic stability for many U.S. households. While budgeting may help to mitigate some of the negative effects of unpredictable income, the process of budgeting can also be more challenging under such circumstances. This paper presents new descriptive evidence on the relationship between income predictability, financial wellbeing, and budgeting behavior using data from a nationally-representative survey of nearly 4000 U.S. adults. We document a strong negative relationship between income unpredictability and financial wellbeing. However, the strength of this negative relationship is substantially attenuated for those who budget. This suggests that budgeting may be a useful tool for mitigating the adverse effects of unpredictable income. Despite these benefits, the propensity to budget is significantly lower among those with the most unpredictable income. These findings indicate the need for policy reforms that insure households against unpredictable income in addition to efforts targeting individual-level financial management strategies.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 1","pages":"304-341"},"PeriodicalIF":2.8,"publicationDate":"2024-02-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12568","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140019338","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
Does survival threat make us irrational? The effects of disease cues on sunk cost bias 生存威胁会让我们失去理智吗？疾病线索对沉没成本偏差的影响
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2024-02-21 DOI: 10.1111/joca.12567
Hao Sun, Rui Chen, Zhaoyang Guo
{"title":"Does survival threat make us irrational? The effects of disease cues on sunk cost bias","authors":"Hao Sun,&nbsp;Rui Chen,&nbsp;Zhaoyang Guo","doi":"10.1111/joca.12567","DOIUrl":"10.1111/joca.12567","url":null,"abstract":"<p>Sunk cost bias is a pervasive issue in the real world, manifesting in various domains, such as consumption and investment, influencing consumer well-being. This bias often leads to a misallocation of resources towards less meaningful activities. In the current study, we explored a novel factor, specifically disease cues, that influences the sunk cost bias. Through a survey and four systematic experiments, using both lab and natural manipulations of disease cues, we demonstrate that disease cues encourage individuals to overvalue their prior investments, leading to an increased propensity for sunk cost bias in imagined decision scenarios and real choices. We have also ruled out alternative explanations for our findings. Significantly, we added a survey to directly explore the sunk cost bias and consumer subjective well-being, showing a significant positive relationship between them. Our research contributes to understanding consumer irrational behavior and aims to improve consumer well-being.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 1","pages":"342-363"},"PeriodicalIF":2.8,"publicationDate":"2024-02-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139948809","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
The impact of Chinese public expenditures on household investment in risky financial assets: Evidence from a national survey 中国公共支出对家庭风险金融资产投资的影响：来自全国性调查的证据
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2024-02-17 DOI: 10.1111/joca.12569
Qianhui Ma, Yeung Ying, Rui Yao
{"title":"The impact of Chinese public expenditures on household investment in risky financial assets: Evidence from a national survey","authors":"Qianhui Ma,&nbsp;Yeung Ying,&nbsp;Rui Yao","doi":"10.1111/joca.12569","DOIUrl":"10.1111/joca.12569","url":null,"abstract":"<p>Using data from the 2012, 2013, 2015, 2017, 2018, and 2021 Chinese General Social Survey (CGSS), this paper investigates the effect of public expenditures on household investment in risky financial assets. Our findings show that a higher level of public expenditures significantly increases household investment in stocks and other risky financial assets and that the respondent's overconfidence in their financial well-being partially mediates such an effect. We further provide evidence that the influence of public expenditures on household investment behavior in risky financial assets is robust after considering various sample heterogeneities by disaggregating public expenditures and risky financial assets into different subcategories and dividing households into different age and socioeconomic groups.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 1","pages":"280-303"},"PeriodicalIF":2.8,"publicationDate":"2024-02-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139959864","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
Repurchasing probabilistic goods as incentive sensation process for lonely individuals: The roles of liking and wanting 重购概率商品是孤独个体的激励感觉过程：喜欢和渴望的作用
IF 2.8 3区 经济学
Journal of Consumer Affairs Pub Date : 2023-12-25 DOI: 10.1111/joca.12566
Anqi Hu, Ruizhi Yuan, Ruolan Chen, Martin J. Liu
{"title":"Repurchasing probabilistic goods as incentive sensation process for lonely individuals: The roles of liking and wanting","authors":"Anqi Hu,&nbsp;Ruizhi Yuan,&nbsp;Ruolan Chen,&nbsp;Martin J. Liu","doi":"10.1111/joca.12566","DOIUrl":"10.1111/joca.12566","url":null,"abstract":"<p>Drawing on incentive sensitization theory, our study focuses on loneliness coping as a goal pursuit or hedonic searching process through consumption of probabilistic goods. We propose that loneliness triggers liking (hedonic feelings) and wanting (desired outcomes), which lead to the repurchase intention of probabilistic goods. We adopt an interview study (<i>N</i> = 20) to explore facets of loneliness, clarifying how customers obtain hedonic feelings and desired outcomes from repurchasing. Follow-up quantitative studies including an experiment (<i>N</i> = 212) and a survey (<i>N</i> = 575) are employed to validate the differences among facets of loneliness and test the hypothesis. The findings show that liking and wanting mediate the effects of psychological loneliness and emotional loneliness on repurchase intention with respect to probabilistic goods. Furthermore, the results also suggest that perceived loss of control strengthens the effects of loneliness on wanting rather than liking.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 1","pages":"223-253"},"PeriodicalIF":2.8,"publicationDate":"2023-12-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139036553","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
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