{"title":"Consumer Awareness in the Digital Age","authors":"Devesh Raval","doi":"10.1111/joca.70042","DOIUrl":"https://doi.org/10.1111/joca.70042","url":null,"abstract":"<div>\u0000 \u0000 <p>Consumers increasingly rely on digital platforms in their daily lives, raising concerns about whether firms present information in ways that enable informed consumer choices. Drawing on recent federal enforcement actions, this article examines three areas where consumer understanding may break down: manipulative design patterns, the ability to identify organic content, and pricing transparency. It also reviews the legal tools available to enforcers and highlights the increasing importance of internal platform data in identifying potential violations.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 1","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-03-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147566725","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}
Brittany B. Beck, Mary P. Harrison, Ream Shoreibah, Mathew Joseph, Teri Grimmer
{"title":"Empowered or Overwhelmed? Wearable Health Technologies and Consumer Well-Being in the Context of Consumer–Physician Interactions","authors":"Brittany B. Beck, Mary P. Harrison, Ream Shoreibah, Mathew Joseph, Teri Grimmer","doi":"10.1111/joca.70040","DOIUrl":"https://doi.org/10.1111/joca.70040","url":null,"abstract":"<p>Wearable health technologies (WHTs) increasingly enable continuous, consumer-driven health monitoring, yet healthcare systems remain organized around episodic, reactive care. This research examines how this misalignment shapes consumer well-being by integrating consumer and physician perspectives on wearable-generated data. Study 1 draws on interviews with wearable users and Study 2 involves practicing physicians. Across the two studies, the authors identify four consumer tensions and four parallel physician tensions that emerge in response to continuous health data within episodic care systems. Together, these findings reveal a guidance infrastructure gap, a term coined to describe the absence of interpretive, relational, and system-level support needed to make continuous data meaningful. The findings show that WHTs influence consumer well-being not through data access alone, but through the presence or absence of guidance infrastructure that shapes how consumers and providers interpret, navigate, and act on continuous health data.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 1","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-03-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70040","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147565504","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":"Effectiveness of Sales Promotions on Vegetable Consumption Among Heterogeneous Consumer Groups: A Causal Forest Approach","authors":"Yuting Liu, Jong Hoon Shin, Abdoul G. Sam","doi":"10.1111/joca.70041","DOIUrl":"https://doi.org/10.1111/joca.70041","url":null,"abstract":"<div>\u0000 \u0000 <p>A balanced diet with sufficient vegetable intake is vital for health, yet many in the US fall short of recommended levels. While the literature has extensively examined the effects of sales promotions, there is limited research addressing consumer heterogeneity in response to such promotions. We apply a machine learning approach that can uncover heterogeneity in promotional effects that conventional subgroup or regression-based analyses are likely to miss. We find that in-store price reductions boost vegetable consumption broadly. Households headed by young women with less formal education, larger households, low to mid-level income households, and those that purchase vegetables less frequently are most responsive to price promotions. Conversely, middle-aged and older, predominantly White households, households with more formal education, and higher incomes are less responsive. These findings suggest that targeted price promotions could be an effective tool to reduce health disparities by increasing vegetable consumption among populations most at nutritional risk.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 1","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-03-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147565503","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}
Seon Mi Kim, Yunju Nam, Julie Birkenmaier, Cristian Cosey
{"title":"From Financial Exclusion to Collective Stability: Worker Cooperatives and Precarious Immigrant Workers' Financial Capability","authors":"Seon Mi Kim, Yunju Nam, Julie Birkenmaier, Cristian Cosey","doi":"10.1111/joca.70039","DOIUrl":"https://doi.org/10.1111/joca.70039","url":null,"abstract":"<div>\u0000 \u0000 <p>Precarious immigrant workers in the United States face persistent barriers to financial capability, including unstable employment, low wages, limited access to financial services, and language barriers. Existing research often emphasizes individual-level deficits, overlooking institutional influences. This study examines how institutional support from worker cooperatives (co-ops) and their networks, including co-op associations, unions, credit unions, and local NGOs, shapes precarious immigrant workers' financial capability. Using grounded theory analysis of 25 interviews with Hispanic immigrant women in New York City-based domestic worker co-ops, findings show that institutional support expands access to banking, credit-building, and financial education while enabling collective financial structures such as group savings and emergency loan programs. These serve as worker-led safety nets for financial stability. Based on these findings, the study proposes an expanded financial capability model that incorporates collective culture, institutionalized financial structures, and collective financial strategies, demonstrating how institutional support strengthens the financial capability of precarious immigrant workers beyond the individual level.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 1","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-02-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147280915","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}
Abbey Bartosiak, Cäzilia Loibl, Haotian Zheng, Stephen Roll
{"title":"To What Extent Did Social Media Use Contribute to Financial Hardship During the COVID-19 Pandemic?","authors":"Abbey Bartosiak, Cäzilia Loibl, Haotian Zheng, Stephen Roll","doi":"10.1111/joca.70037","DOIUrl":"https://doi.org/10.1111/joca.70037","url":null,"abstract":"<div>\u0000 \u0000 <p>The link between social media use and financial outcomes is still emerging. This study examines the association between communication through social media, financial outcomes, and the potential mediating role of fear of missing out. Using data from a national survey on the socio-economic impacts of the COVID-19 pandemic (<i>n</i> = 4178), linear regression results show that greater social media use is positively associated with difficulty in making ends meet and lacking emergency savings. Furthermore, fear of missing out mediates the relationship between social media use and both adverse financial outcome measures. It appears that social media use and a higher propensity to experience fear of missing out can be negatively related to a person's financial situation. The results of this study have implications for consumer financial behaviors related to social media communication.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 1","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-01-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"146016243","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}
Shalini Sahni, Vikas Arya, D. El-Manstrly, Amee Agrawal, Smita M. Gaikwad, Rani Susmitha
{"title":"Panic-Buying Behavior Is No More a Cosmetic Behavior: A Bibliometric Review and Future Research Agenda","authors":"Shalini Sahni, Vikas Arya, D. El-Manstrly, Amee Agrawal, Smita M. Gaikwad, Rani Susmitha","doi":"10.1111/joca.70036","DOIUrl":"https://doi.org/10.1111/joca.70036","url":null,"abstract":"<div>\u0000 \u0000 <p>The proliferation of consumer panicbuying behavior is unpredictable and sudden in situations such as wars, pandemics, and oil crises, indicating its multifarious nature. Despite global prevalence, understanding the phenomenon holistically remains a challenge. This study systematically reviews the literature on panic buying through bibliometric analysis combined with content analysis of 73 articles published between 1998 and 2022. To provide comprehensive understanding of panic-buying behavior during pandemics, the literature is divided into timeframes based on each pandemic's magnitude. The study examines the thematic evolution of PB research based on pandemics and utilizes co-citation network to identify the intellectual structure of scholarly work. The co-citation analysis identified four distinct clusters clarifying the conceptual structure of panic buying. Content analysis uncovered emerging and declining themes, revealing two additional hidden clusters that illustrate panic buying evolution over time. This study offers valuable insights into consumer behaviors associated with crises and scarcity events, and suggests directions for future research.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"60 1","pages":""},"PeriodicalIF":3.2,"publicationDate":"2026-01-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"146002120","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":"YOU HAVE BEEN WARNED: The Effect of California's Proposition 65 Warning on Consumer Perceptions and Evaluations","authors":"Lauren Drury, Kristina Medvedeva, Katie Kelting","doi":"10.1111/joca.70035","DOIUrl":"https://doi.org/10.1111/joca.70035","url":null,"abstract":"<p>With cancer rates projected to rise sharply in the coming years, identifying effective preventative health measures to address the issue has become critically important. By adopting perceived risk and signaling theory as the theoretical lens, the current research examines one such unique and underexplored intervention—the Proposition 65 warning. Across four studies, the findings show that consumers' sensitivity to the Proposition 65 warning varies by product category and geographic location. The findings also reveal that the presence (vs. absence) of the Proposition 65 warning negatively affects evaluations of not only the product, but also the retailer that sells the product. In sum, the current research aims to draw greater attention to the Proposition 65 warning as a powerful intervention and calls for policy improvement by highlighting the practical implications for manufacturers and retailers.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"59 4","pages":""},"PeriodicalIF":3.2,"publicationDate":"2025-12-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70035","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145739917","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":"Incentivizing or Disincentivizing? How Perceived Social Mobility Affects Consumers' Risk Preference","authors":"Heping He, Siwei Liu, Yongzhang Liu, Monika Kukar-Kinney","doi":"10.1111/joca.70033","DOIUrl":"https://doi.org/10.1111/joca.70033","url":null,"abstract":"<div>\u0000 \u0000 <p>Individuals make subjective judgments about the probability of their current social class changing in the future, and this judgment is known as perceived social mobility. Studies have explored the impact of perceived social mobility on consumer psychology and behavior; however, they have not linked it to risk preference. Based on social cognitive theory, this research examines the impact of perceived social mobility on consumers' risk preference and its underlying mechanism. Five studies are conducted to test the proposed conceptual model. Findings indicate that low perceived social mobility reduces consumers' risk preference compared to high perceived social mobility, with self-efficacy playing a mediating role in this relationship. Alternative mediators, including sense of control and sense of power, are excluded. Time orientation plays a moderating role in this relationship. The findings advance research on perceived social mobility and risk preference, while guiding consumers to make informed consumption decisions that protect their interests.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"59 4","pages":""},"PeriodicalIF":3.2,"publicationDate":"2025-11-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145522310","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}
Zhangwei Zheng, Qin Lingda Tan, Xiaowei Zheng, Yaliu Yang
{"title":"The Dark Side of AI in Insurance: A Systematic Review of Mechanisms Linking AI Design Features to Consumer Harm","authors":"Zhangwei Zheng, Qin Lingda Tan, Xiaowei Zheng, Yaliu Yang","doi":"10.1111/joca.70034","DOIUrl":"https://doi.org/10.1111/joca.70034","url":null,"abstract":"<div>\u0000 \u0000 <p>Artificial intelligence (AI) is reshaping insurance services, yet it introduces significant consumer risks such as privacy erosion, service exclusion, and trust deterioration. This systematic review clarifies how specific AI features—algorithmic opacity, hyper-personalization, and data-driven bias—trigger psychological responses and shape consumer decisions, ultimately producing negative outcomes. Drawing from 33 empirical studies, the review organizes fragmented findings using the TCCM (Theory–Context–Characteristic–Method) framework, revealing theoretical fragmentation, geographical concentration, and methodological imbalance. To move beyond static categorizations, the study proposes a novel Trigger–Psychology–Decision–Outcome (TPDO) framework that maps sequential pathways of consumer harm. Findings show that adverse consumer outcomes emerge primarily through fairness concerns, anxiety, and perceived loss of control, influencing behaviors such as disengagement and resistance to AI-enabled insurance systems. This mechanism-based synthesis provides theoretical clarity, outlines targeted avenues for future research, and informs consumer-centric governance of algorithmic insurance.</p>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"59 4","pages":""},"PeriodicalIF":3.2,"publicationDate":"2025-11-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145521752","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":"Revisiting Algorithmic Bounded Rationality With Potential Solutions: How Recommendation Systems Amplify Cognitive Biases in Consumer Decision-Making","authors":"Wookjae Heo","doi":"10.1111/joca.70032","DOIUrl":"https://doi.org/10.1111/joca.70032","url":null,"abstract":"<p>Algorithm-driven platforms have become central to modern consumer decision-making. While consumers have always been subject to bounded rationality, recent discussion suggests that personalized recommendation systems can further constrain consumer choices and, in turn, reinforce various cognitive biases. This article explores the theoretical underpinnings of bounded rationality in the context of algorithmically curated content, outlines key biases that are exacerbated by these systems, and discusses the societal implications of algorithmic confinement—from political polarization to consumer rights concerns. Finally, it proposes potential solutions, including policy-based interventions, forced diversity mechanisms, and consumer education approaches that can mitigate the adverse effects of algorithm-driven recommendation systems.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"59 4","pages":""},"PeriodicalIF":3.2,"publicationDate":"2025-11-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70032","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145470017","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}