Purpose

The purpose of this paper is to investigate the effects of values of materialism on cognitive and affective impulsiveness and responsible financial behavior among young adults.

Design/methodology/approach

A large-scale study (n = 483) was conducted on a sample of young adults 18 to 25 years of age in Croatia.

Findings

The research found that materialism has no direct effect on responsible financial behaviour (RFB), however, cognitive impulsiveness fully mediates the relationship of all three there three elements of materialism, centrality, success and happiness and RFB. Affective impulsiveness has no effect on the relationship. Furthermore, only materialism as centrality strongly and positively influences cognitive and affective impulsiveness.

Practical implications

Presented conclusions could be used by policymakers as guidelines for developing educational plans and curriculum to build financial capability and consumer protection among young adults and could be helpful for brand management activities targeting young people purchase decisions.

Originality/value

This paper’s ultimate purpose is to uncover the mechanism and the power of materialism on impulsiveness and responsible financial behavior. The paper’s originality is established by the focus on the investigation of materialism as an antecedent factor of impulsiveness and by questioning the nature of the relationship between materialism and responsible financial behavior through the mediating effect of impulsiveness.

中文翻译：

---

年轻人物质主义的力量：探索价值观对冲动和负责任的财务行为的影响

目的

本文的目的是研究唯物主义价值观对年轻人认知和情感冲动以及负责任的财务行为的影响。

设计/方法/方法

一项大规模研究 ( n  = 483) 在克罗地亚 18 至 25 岁的年轻人样本中进行。

发现

研究发现，物质主义对负责任的财务行为（RFB）没有直接影响，但是，认知冲动完全中介了物质主义、中心性、成功和幸福三个要素与RFB这三个要素之间的关系。情感冲动对这种关系没有影响。此外，唯有唯物主义作为中心性强烈而积极地影响认知和情感冲动。

实际影响

所提出的结论可以被决策者用作制定教育计划和课程的指导方针，以在年轻人中建立财务能力和消费者保护，并有助于针对年轻人购买决策的品牌管理活动。

原创性/价值

本文的最终目的是揭示唯物主义对冲动性和负责任的财务行为的作用机制和力量。该论文的独创性是通过对物质主义作为冲动性前因因素的研究以及通过冲动性的中介作用质疑物质主义与负责任的财务行为之间关系的性质而建立的。