This study applied an integrated approach to construct a hierarchical framework for consumer financial information processing. Individual differences in customers' psychological, cognitive and motivational characteristics were examined as antecedents. Using data collected from a sample of 613 U.S. adults, this study used the structural equation modeling method to identify significant direct and indirect relationships amongst personality traits, financial self-efficacy, financial information-gathering ability, search motivation, financial information sufficiency and the utilization of heuristics and systematic financial information-processing modes. The results showed that consumers' information sufficiency (+) directly explained the application of the heuristic mode, whereas consumers' information gathering ability (+), motivation to search (+) and information sufficiency (+) directly explained the use of the systematic mode. Financial self-efficacy demonstrated positive indirect associations with both heuristic and systematic modes. The results also revealed that personality traits including agreeableness, emotional stability and extraversion indirectly explained the use of information-processing modes. Agreeableness (−) and emotional stability (+) were indirectly associated with both heuristic and systematic information processing modes, whilst extraversion (+) was only indirectly associated with the heuristic mode. Openness (+) was the only trait that was directly associated with the systematic mode. This study contributes to the literature on consumer financial information processing by connecting individuals' psychological, cognitive and motivational characteristics. The findings of this study provide valuable insights and policy and practical implications within the industry.

中文翻译：

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消费者财务信息处理：检验个体差异的综合方法

本研究采用综合方法构建消费者金融信息处理的层次框架。客户的心理、认知和动机特征的个体差异被作为前因进行了检查。本研究使用从 613 名美国成年人样本中收集的数据，使用结构方程建模方法确定人格特质、财务自我效能感、财务信息收集能力、搜索动机、财务信息充分性和利用率之间的显着直接和间接关系启发式和系统的财务信息处理模式。结果表明，消费者的信息充分性（+）直接解释了启发式模式的应用，而消费者的信息收集能力（+），搜索动机 (+) 和信息充分性 (+) 直接解释了系统模式的使用。财务自我效能表现出与启发式和系统模式的积极间接关联。结果还表明，包括宜人性、情绪稳定性和外向性在内的人格特质间接解释了信息处理模式的使用。宜人性 (-) 和情绪稳定性 (+) 与启发式和系统信息处理模式间接相关，而外向性 (+) 仅与启发式模式间接相关。开放性 (+) 是唯一与系统模式直接相关的特征。本研究通过连接个人的心理，为消费者金融信息处理的文献做出贡献，认知和动机特征。本研究的结果为行业提供了宝贵的见解、政策和实际意义。