Journal of Consumer Affairs最新文献

{"title":"The psychology of attraction to multi-level marketing","authors":"Lucas J. Dixon,&nbsp;Matthew J. Hornsey,&nbsp;Nicole Hartley,&nbsp;Cassandra M. Chapman,&nbsp;Justin P. Brienza","doi":"10.1111/joca.12526","DOIUrl":"10.1111/joca.12526","url":null,"abstract":"<p>Despite being a risky and controversial business model, little research has investigated personal characteristics that increase attraction to multi-level marketing business opportunities like Amway and Herbalife. A two-wave survey (<i>N</i>_total = 1503) revealed that attraction to multi-level marketing opportunities was associated with stronger extrinsic life goals (for becoming rich, famous, and attractive), belief systems related to spirituality and thought-action fusion (i.e., the belief that thoughts alone create reality), and a cognitive decision-making style that emphasizes intuitive over rational thinking. Intrinsic psychological needs (e.g., for control and meaning) showed the least consistent associations. Based on these findings, we provide guidance for consumer advocates and policy makers to consider individual psychological factors in education campaigns to improve decision making and participant wellbeing.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"57 3","pages":"1213-1235"},"PeriodicalIF":2.8,"publicationDate":"2023-04-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12526","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46987386","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":"Expanding consumer mindfulness for collective sustainable well‐being: Overview of the special issue and future research directions","authors":"Shalini Bahl, George R. Milne, E. Miller","doi":"10.1111/joca.12542","DOIUrl":"https://doi.org/10.1111/joca.12542","url":null,"abstract":"","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"1 1","pages":""},"PeriodicalIF":2.8,"publicationDate":"2023-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"63882670","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":"Balancing evolutionary impulses: Effects of mindfulness on virtue food preference","authors":"Amy Errmann,&nbsp;Felix Septianto","doi":"10.1111/joca.12521","DOIUrl":"10.1111/joca.12521","url":null,"abstract":"<p>Mindfulness is emerging as a contemplative tool that may positively influence consumers' preference for virtue food, thus supporting health and well-being. However, it remains unclear which consumer groups may benefit the most from mindfulness. Previous research has demonstrated that consumers who experienced unpredictable environments in low socioeconomic households as children exhibit the likelihood of an adaptive chronic preference for vice food. Against this backdrop, the current research explores how mindfulness can support consumers who experienced low socioeconomic environments as children and further sheds light on the psychological mechanism, reduced impulsivity, for increased virtue food choice. This effect is tested across different manipulations of mindfulness and virtue food contexts. The research also introduces the unique mindfulness intervention of object visualization for helping stabilize the present-moment for consumers. Overall, the findings show that mindfulness may be a potential solution to impulsivity and increase preference for virtue food, supporting consumers in health and well-being.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"57 2","pages":"848-870"},"PeriodicalIF":2.8,"publicationDate":"2023-03-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12521","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44267555","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 resilience of two-worker households from a health perspective","authors":"Rui Yao,&nbsp;Yilan Xu,&nbsp;Jie Zhang","doi":"10.1111/joca.12525","DOIUrl":"10.1111/joca.12525","url":null,"abstract":"<p>The COVID-19 pandemic highlighted the significant impact of health conditions on household finance. Traditional measures of financial resilience ignored households' ability to adjust to labor income disruptions. We proposed a more comprehensive two-tier measure of financial resilience by accounting for nonlabor income and spending adjustments in the face of income loss associated with health situations. Using this measure, we evaluated the financial resilience of two-worker households with members having COVID-19 health risk conditions and other mental and physical chronic diseases. Our findings showed that households with cancer patients were more financially resilient yet those having obese members were less financially resilient. Decomposition of the financial resilience measure revealed differences in financial resources allocation—households with cancer patients allocated more wealth to noncash financial assets, whereas households with obese members saved less and spent more. Our findings shed light on financial planning practices and public policies of emergency assistance.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"57 3","pages":"1258-1280"},"PeriodicalIF":2.8,"publicationDate":"2023-03-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42810941","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":"Explaining consumers' progress through life insurance decision states: The role of personal values and consumer characteristics","authors":"Hazel Bateman,&nbsp;Paul Gerrans,&nbsp;Susan Thorp,&nbsp;Yunbo Zeng","doi":"10.1111/joca.12524","DOIUrl":"10.1111/joca.12524","url":null,"abstract":"<p>Many people have unsuitable life insurance cover or no cover at all. In this study, we survey consumers about their readiness to purchase life insurance. Consumers rate their own “decision state” from “pre-aware” of life insurance to “aware,” “interested” or “capable” of deciding to purchase. We also collect data on factors associated with progress along the path to purchase. We find that personal values partly determine life insurance decision states. Values matter in addition to the needs of dependents, bequest intentions, and financial literacy. Consumers who place more value on benevolence and self-direction are more likely to be aware of life insurance. Our results suggest strategies to promote suitable life insurance cover by targeting factors that help progress through each decision state. Insurance providers could thus prime benevolence and self-direction in advertising and product information.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"57 3","pages":"1151-1182"},"PeriodicalIF":2.8,"publicationDate":"2023-03-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12524","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47452669","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 socialization and financial distress: The role of cognitive and noncognitive abilities","authors":"Haidong Zhao,&nbsp;Lini Zhang,&nbsp;Sophia Anong","doi":"10.1111/joca.12523","DOIUrl":"10.1111/joca.12523","url":null,"abstract":"<p>This study investigated the influence of financial socialization on financial distress and demonstrated the importance of both cognitive and noncognitive ability channels through which this relation operates. Using data from a nationally representative sample of adult US residents, the results showed that adults in the bottom quintile of financial socialization are significantly more likely to experience financial distress than those in the top quintile. We also provide evidence that financial socialization is related to financial distress both directly and indirectly through cognitive ability measures of financial knowledge and financial skills, as well as the noncognitive ability measure of financial self-control. The findings highlight the importance of financial socialization in familial contexts. Implications for personal finance advocates, financial educators, children and family service providers, and policymakers are discussed.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"57 3","pages":"1236-1257"},"PeriodicalIF":2.8,"publicationDate":"2023-03-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48407610","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":"Stockpiling intentions and customer well-being during the COVID-19 pandemic","authors":"Gurmeet Singh,&nbsp;Neale J. Slack,&nbsp;Shavneet Sharma,&nbsp;Amandeep Dhir","doi":"10.1111/joca.12522","DOIUrl":"10.1111/joca.12522","url":null,"abstract":"<p>The COVID-19 pandemic and associated factors influence customers' stockpiling intentions. This study examines the impact of various factors on customers' stockpiling intentions. It develops a model combining threat severity and fear of COVID-19, customer well-being dimensions, and constructs relating to the theories of planned behavior and competitive arousal to explain the effect of these on stockpiling intentions. Adopting a quantitative design, we analyzed data from 476 respondents using covariance-based structural equation modeling. The empirical results confirm that threat severity (with the fear of COVID-19 as a mediator) and fear of COVID-19 positively influenced individuals' attitudes toward stockpiling. Additionally, a positive attitude toward stockpiling, subjective norms that support stockpiling, the degree of perceived behavioral control, perceived scarcity, and time pressure positively influence stockpiling intentions. This study's findings thus contribute to a better understanding of customers' stockpiling intentions during a crisis and assist policymakers in developing effective COVID-19 response and recovery strategies.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"57 3","pages":"1039-1065"},"PeriodicalIF":2.8,"publicationDate":"2023-03-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47752350","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":"Centering transgender consumers in conceptualizations of marketplace marginalization and digital spaces","authors":"Beck Hansman,&nbsp;Jenna Drenten","doi":"10.1111/joca.12520","DOIUrl":"10.1111/joca.12520","url":null,"abstract":"<p>The purpose of this study is to center transgender consumers in the conceptualizations between marketplace marginalization and digital spaces. We examine transgender crowdfunding as a hashtag-bounded digital space created by and for the transgender community–namely, the #TransCrowdFund digital space on Twitter. We draw on <i>trans digital geographies</i> as a novel analytical lens to focus attention on transgender consumers' unique experiences in and between digital spaces. Through qualitative hashtag mapping, we analyzed a sample of 200 Twitter profiles and accompanying tweets drawn from individuals using the #TransCrowdFund hashtag. Findings suggest transgender consumers utilize crowdfunding as a hashtag-bounded digital space in three ways: accessing networks, narrativizing needs, and signaling identity. Within each of these functional uses, underlying tensions arise in navigating transphobic marketplace marginalization, unique to transgender consumer well-being. Our research demonstrates the power of centering transgender consumers–both conceptually and contextually–in consumer research and offers implications for scholars and policy makers.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 1","pages":"82-107"},"PeriodicalIF":2.8,"publicationDate":"2023-02-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12520","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42113616","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":"Post-traumatic consumption: Does emotion regulation moderate the relationship between military life stressors, mental health outcomes, and compulsive buying?","authors":"Cristel A. Russell,&nbsp;Dale W. Russell,&nbsp;Christine Harris","doi":"10.1111/joca.12519","DOIUrl":"10.1111/joca.12519","url":null,"abstract":"<div>\u0000 \u0000 \u0000 <section>\u0000 \u0000 <h3> Purpose</h3>\u0000 \u0000 <p>Consumers may cope with stressful events and their resulting negative mental health outcomes through maladaptive behaviors. One such behavior is compulsive buying, an uncontrolled urge to purchase things. This can have devastating financial consequences, especially among vulnerable members of the population. Emotion regulation research suggests that differences in individuals' ability to manage and cope with stressors may attenuate their negative consequences. Thus, this research investigates whether expressive suppression and cognitive reappraisal, two types of emotion regulation, moderate whether and how stressors related to a military deployment and its mental health outcomes relate to compulsive consumption.</p>\u0000 </section>\u0000 \u0000 <section>\u0000 \u0000 <h3> Approach</h3>\u0000 \u0000 <p>This prospective naturalistic multiphase study followed a US Army unit during a combat deployment cycle and analyzed survey data collected before, during, and after its members' deployment to Afghanistan.</p>\u0000 </section>\u0000 \u0000 <section>\u0000 \u0000 <h3> Findings</h3>\u0000 \u0000 <p>The findings identify the moderating role of emotion regulation strategies on the relationship between mental health symptoms and compulsive buying. Servicemembers with high mental health symptoms were less likely to engage in compulsive buying if they had high expressive suppression. Although the emotion regulatory profile of high suppression and low reappraisal is usually considered the least beneficial, it emerges as a buffer against engaging in compulsive buying behavior.</p>\u0000 </section>\u0000 \u0000 <section>\u0000 \u0000 <h3> Originality</h3>\u0000 \u0000 <p>This field study explored the rarely researched topic of compulsive buying within a military population that routinely faces stressful situations. The research also contributes to the growing body of evidence of the role of strategies for emotion regulation in the context of potentially maladaptive behaviors in the marketplace.</p>\u0000 </section>\u0000 </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"57 3","pages":"1183-1212"},"PeriodicalIF":2.8,"publicationDate":"2023-02-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45773943","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":"Understanding the gender gap in financial literacy: The role of culture","authors":"Alison Preston,&nbsp;Lili Qiu,&nbsp;Robert E. Wright","doi":"10.1111/joca.12517","DOIUrl":"10.1111/joca.12517","url":null,"abstract":"<p>Using data from the 2015 China Household Financial Survey (CHFS) this paper examines the effect of culture on the gender gap in financial literacy. We exploit geographical differences in culture in China, comparing outcomes between rural and urban areas and between areas in the east and west (Shanghai and Chongqing). Using the Blinder-Oaxaca decomposition we show that, nationally, the gender gap in financial literacy is entirely the product of differences in the way men and women acquire financial literacy. It is a result consistent with cultural effects. When considering just women in Shanghai and Chongqing we observe a raw financial literacy differential of 13% (favoring Shanghai). This gap is also the product of differences in the way financial literacy is acquired. It provides additional evidence as to the importance of culture when it comes to understanding financial literacy.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 1","pages":"146-176"},"PeriodicalIF":2.8,"publicationDate":"2023-02-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.12517","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49423589","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}