Marie A. Yeh, Kristen L. Walker, Kimberly V. Legocki, Molly Torres, Meike Eilert
{"title":"Beyond the Drug Label: Regulatory-Induced Complexities in Health Information","authors":"Marie A. Yeh, Kristen L. Walker, Kimberly V. Legocki, Molly Torres, Meike Eilert","doi":"10.1111/joca.70046","DOIUrl":"10.1111/joca.70046","url":null,"abstract":"<div>\u0000 \u0000 <p>We investigate how content-centric regulation obligates pharmaceutical companies to provide material information that includes balanced information about a drug's benefits and risks to consumers. Paradoxically, this regulatory compliant information results in information so complex it leaves a vacuum of easy-to-digest and useful consumer information. This research compares company-provided information regulated by the Food and Drug Administration (patient package inserts) with consumer-to-consumer provided information, user-generated content in the form of prescription drug reviews (UGC), coded for risk and benefit and calculating readability and linguistic metrics. We apply a consumer-centric information complexity framework which identifies the disconnect between pharmaceutical company practices (as regulated) and UGC (relatively unregulated). Analyses show that UGC drug reviews present risks and benefits in a more balanced manner than manufacturer-created patient labels. Findings identify regulatory complexity as a driver of information inadequacy that may push consumers to UGC, indicating a need for information co-production between consumers, producers and regulators.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 2","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-04-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147683544","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":"Designing Eco-Friendly Message Sidedness for Consumer Happiness: How Inference of Motivation Shapes Affective Consumer Welfare","authors":"Hyukjin Jung, Hanku Kim","doi":"10.1111/joca.70049","DOIUrl":"10.1111/joca.70049","url":null,"abstract":"<p>Persuasion-oriented communication for green products often provokes skepticism about corporate motives, undermining consumers' emotional satisfaction. This study proposes that negative motivational inference triggered by eco-friendly messages can lead to unfavorable attitudes, reducing emotional well-being. To address this, the study examines how message sidedness and appeal type shape emotional well-being. Moreover, by integrating the Persuasion Knowledge Model and Attribution Theory, we propose a sequential psychological pathway in which inferences about corporate motives lead to the formation of attitudes and emotional well-being. The results show that when only environmental benefits are emphasized, two-sided messages elicit more favorable attitudes, whereas one-sided messages are more effective when environmental and functional appeals are combined. These effects, stronger under high involvement, are mediated by reduced self-serving motive inference, enhancing emotional well-being. This study clarifies how green message strategies shape consumer welfare and offers a balanced communication approach that promotes both consumer well-being and corporate goals.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 2","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-04-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70049","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147683443","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":"Learning From AI-Generated Financial Educational Content: Impacts on Subjective Knowledge and Financial Well-Being","authors":"Inga Timmerman","doi":"10.1111/joca.70043","DOIUrl":"10.1111/joca.70043","url":null,"abstract":"<div>\u0000 \u0000 <p>This study investigates whether generative AI educational content, specifically ChatGPT-generated financial education materials, can enhance self-reported financial knowledge and well-being in the domains of budgeting, debt management, and investing. Using an experimental design, we find that AI-generated financial educational content increases self-reported knowledge, but the benefits are unevenly distributed: individuals with higher baseline financial literacy gain more than those with limited prior knowledge. Mediation analyses further show that these perceptual gains do not consistently translate into improvements in financial well-being, particularly, in the context of debt stress, where worry continues to exert a strong negative influence. Together, the findings underscore both the promise and the limitations of generative AI in financial education, highlighting the need for more inclusive, adaptive, and emotionally supportive interventions.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 2","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-04-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147683080","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 Gender Gap in Financial Literacy—The Role of Response Behavior","authors":"Lucy Haag, Luis Oberrauch, Taiga Brahm","doi":"10.1111/joca.70045","DOIUrl":"10.1111/joca.70045","url":null,"abstract":"<p>The gender gap in financial literacy favoring men is a well-documented phenomenon. Research reveals that women more frequently opt for the “do not know” (DK) response option than men. As the gender gap in financial literacy is evident at a young age and should be counteracted early, we focus on a sample of German adolescents (<i>N</i> = 1958) and investigate which factors are relevant for the decision to select the DK option. Applying regression and decomposition analyses, our study results confirm a substantial gender gap both in financial literacy scores and in the tendency to choose DK. If respondents are not offered a DK option, the gender gap significantly decreases. The decision to select DK can be partly explained by girls' lower math scores and less interest in economics. Our results contribute to the literature by examining factors associated with picking DK in a young sample, offering policy implications regarding targeted programs.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 2","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-04-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70045","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147683085","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":"Mobile App Runtime Permissions and the Privacy Paradox: Hot-State Decisions, Digital Literacy, and Consumer Consent","authors":"Fan Yang","doi":"10.1111/joca.70044","DOIUrl":"10.1111/joca.70044","url":null,"abstract":"<div>\u0000 \u0000 <p>Runtime permission prompts are intended to enable informed privacy choices, yet they interrupt consumers mid-task and may undermine meaningful consent. We examine this issue among Chinese Android users in a mixed-methods study. Study 1 (<i>N</i> = 525) combined a survey with a custom app that tracked whether 15 mainstream apps requested key runtime permission types (e.g., location, camera, microphone) over 2 weeks and whether consumers granted or denied those requests. Privacy concerns did not predict the permission grant rate, while digital literacy was positively associated with granting more permissions. Study 2 (18 interviews) explains these patterns: hot-state interruptions create cognitive overload and functional pressure, leading to coping heuristics (e.g., vendor/government trust) and contextual resignation. Digitally literate “power users” grant more permissions due to feature dependence and perceived controllability (e.g., revoking later). Findings suggest consumer education alone is insufficient; designs and policy should reduce cognitive burden and constrain coerced consent.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 2","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147682870","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}