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Evaluating experts may serve psychological needs: Self-esteem, bias blind spot, and processing fluency explain confirmation effect in assessing financial advisors' authority.
Journal of Experimental Psychology: Applied ( IF 2.813 ) Pub Date : 2020-06-29 , DOI: 10.1037/xap0000308
Tomasz Zaleskiewicz 1 , Agata Gasiorowska 1
Affiliation  

When making financial decisions, people often use recommendations from professional advisors. However, before doing so, they must first recognize whether the experts to whom they turn for advice are competent and trustworthy. In the present article, we show that decision-makers ascribe greater authority to those financial advisors whose recommendations confirm their own opinions. We document that this confirmation effect in perceiving financial experts' authority holds for two financial products (investment accounts and health savings accounts) and three different cultures (United States, Poland, and the United Kingdom). Most importantly, we found that the effect might be due to three distinct psychological mechanisms: self-esteem, bias blind spot, and processing fluency. The results presented in this project indicate that receiving financial advice consistent with one's own beliefs (compared to advice inconsistent with those beliefs) is related to higher evaluations of one's own competence in finances, higher self-esteem, and perceiving advisors as less biased and with better processing fluency, which in turn lead to ascribing greater epistemic authority to financial experts. (PsycInfo Database Record (c) 2021 APA, all rights reserved).

中文翻译:

评估专家可能满足心理需求:自尊、偏见盲点和处理流畅性解释了评估财务顾问权威的确认效应。

在做出财务决策时,人们经常使用专业顾问的建议。然而,在这样做之前,他们必须首先认识到他们寻求建议的专家是否称职和值得信赖。在本文中,我们表明决策者赋予那些其建议证实了他们自己观点的财务顾问更大的权力。我们记录了这种在感知金融专家权威方面的确认效应适用于两种金融产品(投资账户和健康储蓄账户)和三种不同的文化(美国、波兰和英国)。最重要的是,我们发现这种影响可能源于三种不同的心理机制:自尊、偏见盲点和处理流畅性。本项目中的结果表明,接受与自己的信念一致的财务建议(与与这些信念不一致的建议相比)与对自己的财务能力的更高评价、更高的自尊以及将顾问视为更少偏见和与更好的处理流畅度,这反过来又导致赋予金融专家更大的认知权威。(PsycInfo 数据库记录 (c) 2021 APA,保留所有权利)。
更新日期:2020-06-29
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