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A systematic conceptual review of financial access Journal of Consumer Affairs (IF 2.603) Pub Date : 2024-03-14 Julie Birkenmaier, Jin Huang
Financial access is used in practice and research as an important concept relevant to financial capability and financial well‐being. This study examines the literature on individual financial access and develops a conceptualization, definition, domains, and proposed items. Following a systematic conceptual review method, the review is based on 171 articles published during January 2012–August 2022
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Moving gender across, between and beyond the binaries: In conversation with Shona Bettany, Olimpia Burchiellaro and Rohan Venkatraman Journal of Consumer Affairs (IF 2.603) Pub Date : 2024-03-12 Mohammed Cheded, Martina Hutton, Laurel Steinfield, Shona Bettany, Olimpia Burchiellaro, Rohan Venkatraman
This panel discussion explores why marketing and consumer behavior has struggled to move beyond the binary, the importance of disrupting the conventional binaries to recognize gender/sex/ual diversity, and the challenges in so doing. It raises to the fore concerns about institutional pressures, sanitization of work, academic positionalities, everyday encounters of discrimination against gender/sex/ual
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Income predictability and budgeting Journal of Consumer Affairs (IF 2.603) Pub Date : 2024-02-29 C. Yiwei Zhang, Abigail B. Sussman
Unpredictable income poses a significant threat to economic stability for many U.S. households. While budgeting may help to mitigate some of the negative effects of unpredictable income, the process of budgeting can also be more challenging under such circumstances. This paper presents new descriptive evidence on the relationship between income predictability, financial wellbeing, and budgeting behavior
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Does survival threat make us irrational? The effects of disease cues on sunk cost bias Journal of Consumer Affairs (IF 2.603) Pub Date : 2024-02-21 Hao Sun, Rui Chen, Zhaoyang Guo
Sunk cost bias is a pervasive issue in the real world, manifesting in various domains, such as consumption and investment, influencing consumer well‐being. This bias often leads to a misallocation of resources towards less meaningful activities. In the current study, we explored a novel factor, specifically disease cues, that influences the sunk cost bias. Through a survey and four systematic experiments
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Roger M. Swagler In Memoriam Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-09-30 Brenda J. Cude
Roger M. Swagler died on August 8, 2023. Dr. Swagler was, until his retirement from the University of Georgia, a devoted member of the American Council on Consumer Interests (ACCI). He attended annual conferences on a regular basis and thrived on discussions of the topics presented there. With his co-authors John Burton and Joan Koonce, he received ACCI's Russell A. Dixon award in 1996 for their article
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Financial debts and subjective well-being of young adults: An adaption of the stress process model Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-09-26 Lu Fan, Soomin Ryu
Using a stress process theoretical framework, this article examines the relationship between financial debts and the subjective well-being of young adults and the role of social and personal resources in the mechanism. The analyses include 2348 young adults from the 2017 Transition into Adulthood Supplement study of Panel Study of Income Dynamics, using the structural equation modeling method. We found
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The role of racial/ethnic discrimination in financial access and material hardship: Findings from Korean immigrants living in the deep south Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-09-19 Yunju Nam, Eun Young Choi, Cho Rong Won, Hee Yun Lee
This study examines how racial/ethnic discrimination influences financial access and material hardship, using survey data collected from self-identified Korean immigrants living in two counties in Alabama (N = 241). Key variables are experiencing racial/ethnic discrimination, two subjective measures of financial access, and four indicators of material hardship (overall, food-related, health insurance
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Productive and repressive power: The influence of gender norms on parents' decisions on children's consumption Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-09-09 Lealis Vaz Meleiro Lopes, Andres Rodriguez Veloso, Sofia Batista Ferraz
This study examines how parents exert productive and repressive power in influencing their children's gender socialization through consumption. We interviewed 20 parents responsible for educating 36 children to investigate their challenges when confronted with their children's consumption demands that deviate from gender-appropriate norms. Under a queer feminist poststructuralist perspective, our results
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Your car is your credit: Using research to curb predatory car title lending Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-08-31 Jean Ann Fox
This article is an edited version of the 2023 Esther Peterson Consumer Policy Forum lecture delivered at the American Council on Consumer Interests annual conference in May 2023. It uses the car title loan product to illustrate the information necessary to improve the credit market for vulnerable consumers. It provides ideas for research that would inform work to reform consumer loans secured by ownership
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Rhoda Karpatkin in Memoriam Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-08-30 Brenda J. Cude
Rhoda Karpatkin, the first female executive director of Consumers Union, died on August 5, 2023. Ms. Karpatkin's dedication to improving consumer well-being began early in her career. After graduating from Yale Law School, she practiced law for 20 years, specializing in consumer and education law. Subsequently, she served in a variety of roles in which she championed civil, labor, women's, and consumer
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Perception versus the reality of financial situation: The role of personality traits in the United States Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-08-28 Olamide Olajide, Sarah Asebedo, Donald Lacombe, Todd Little
An individual might have a net worth of $10,000 and believe they are in great shape financially, while another individual might have $100,000 and feel otherwise. Could personality explain this disparity between perception and reality of their financial situation? This study answers this research question using data from the 2018 Health and Retirement Study (HRS). Findings from this study show that
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Are data breaches the new norm? Exploring data breach trends, consumer sentiment, and responses to security invasions Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-07-29 Ereni Markos, Priscilla Peña, Lauren I. Labrecque, Kunal Swani
Although data breaches are common, limited knowledge exists regarding consumer sentiments towards them and the personal actions taken following a breach. First, we explore trends using a database chronicling 14 years of breaches. Then, guided by Social Contract Theory, our study analyzes a secondary dataset of survey responses from 890 affected consumers to understand perceptions of breaches, including
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A systematic review of consumer empowerment research trends: Evidence from esteemed consumer studies journals Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-07-28 Jaehye Suk, Xu Li, Hyesun Hwang
Research on consumer empowerment has evolved to reflect its requirements over time. This study aimed to trace consumer empowerment research trends through a systematic review of 245 abstracts from two esteemed journals in the field of consumer studies, namely, International Journal of Consumer Studies and Journal of Consumer Affairs. Reference network analysis revealed that research on consumer empowerment
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Reexamining health messages in the political age: The politicization of the COVID-19 pandemic and its detrimental effects on vaccine hesitancy Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-07-28 Ioannis Kareklas, Devipsita Bhattacharya, Darrel D. Muehling, Victoria Kisekka
Our work investigates the extent to which the politicization of health science may have impacted consumers' vaccine hesitancy during the COVID-19 pandemic. This inter-disciplinary, multi-method manuscript reports the results of three empirical investigations designed to examine how the consumers' political leanings and the sources they rely on for information might influence their decisions to receive
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Examining legislation and trends in healthcare pricing: A research agenda for consumer well-being Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-07-13 Deidre Popovich, Kellilynn M. Frias
Healthcare costs continue to rise considerably in the United States; one proposed solution is to give consumers more choices regarding their healthcare decisions. Recent legislation has the aim of making healthcare pricing more transparent and providing consumers with an increased understanding of costs. This article offers a research agenda for studying healthcare price transparency and provides an
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Consuming intimate apparel: A Brazilian transgender discourse Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-06-10 Rodolfo Rodrigues Rocha, Andres Rodriguez Veloso, Roberto Flores Falcão, Giovanna Giacon Rossini, Beatriz Toriello Collalto, Larissa dos Santos Lopes, Giovanna Zamboni Batista
Transgender consumers struggle to have their gender identity recognized, resorting to clothing as a practical way to forge their identity. Intimate apparel represents the innermost type of clothing, carrying both functional and aesthetic roles for transgender individuals. When navigating the intimate apparel marketplace, transgender consumers are faced with vulnerability as their gender identity is
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Journal of Consumer Affairs Best Article and Best Reviewer Awards Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-06-05 Brenda J. Cude
2023 Journal of Consumer Affairs Best Article Award (co-winners) Either you control social media or social media controls you: Understanding the impact of self-control on excessive social media use from the dual-system perspective Kseniia Zahrai, Ekant Veer, Paul William Ballantine, Huibert Peter de Vries, Girish Prayag Volume 56, Issue 2 Drawing on dual-system theories, this study shows that excessive
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Recipients of 2023 American Council on Consumer Interests Best Paper Awards Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-06-05 Brenda J. Cude
Richard L.D. Morse Applied Consumer Economics Award, National Endowment for Financial Education (NEFE) Paper Award Enhancing trust in the Social Security Administration Author(s): Cliff Robb, Professor, University of Wisconsin-Madison; Marti Deliema, Assistant Professor and Gerontologist, University of Minnesota-Twin Cities; Steve Wendel, Applied Behavioral Scientist One of the insidious effects of
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Expanding consumer mindfulness for collective sustainable well-being: Overview of the special issue and future research directions Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-06-05 Shalini Bahl, George R. Milne, Elizabeth G. Miller
This special issue focuses on the potential of mindfulness to enhance consumer well-being. While various disciplines have investigated the psychological and physiological benefits of mindfulness, its potential for consumer well-being remains largely underexplored. Moreover, there have been concerns about the efficacy of secular mindfulness, which is being criticized for its limited focus on non-judgmental
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Consumers' use of ambiguous product cues: The case of “regionality” claims Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-06-05 Marc Herz, Adamantios Diamantopoulos, Petra Riefler
Ambiguous product cues—cues with multiple interpretation options—may impact consumer decision making. One such ambiguous cue is the designation of a product as “regional” without specifying the exact origin of the product. Here, consumers typically equate “regional” with spatial proximity, yet legally the use of regional labels does not necessarily reflect such proximity. A potential mismatch can occur
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2023 American Council on Consumer Interests (ACCI) Distinguished Fellow: Irene Ellis Leech Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-06-03 Brenda J. Cude
Notes by Elizabeth Dolan, Robin Henager, and Brenda Cude The purpose of the ACCI Distinguished Fellow designation is to honor individuals who have made significant contributions to ACCI over a long period of time and are widely recognized as leaders in the consumer field. The award honors an individual who (1) has been a member of ACCI for at least 20 years; (2) has provided outstanding service to
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Consumer skepticism, advertising regulation, and the internet: Questions worth exploring Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-06-03 Debra Jones Ringold
Since 1990, the US advertising, regulatory, and consumer information landscapes have changed materially, raising the possibility that consumers' fundamental beliefs about advertising as an activity or institution have also changed. Nine national polls of advertising sentiment, fielded between 1964 and 1989 by the Roper Organization or the Opinion Research Corporation, were replicated with panel members
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Modernizing standards of identity for juice: Evidence from consumer acceptance of orange juice blend Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-06-02 Luqing Yu, Sungeun Yoon, Qianyan Wu, Zhifeng Gao, Stephanie Hricik, Renee Goodrich-Schneider, Charles Sims, Yu Wang
The Standards of Identity (SOI) for food may prevent the adoption of the strategies that help sustain the development of some food industries. This study provides comprehensive insights into the possibility of regulation changes with SOI for orange juice from consumer perspectives. Results show that the juice blends with 50% orange juice and 50% tangerine juice received the highest sensory scores.
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Next-generation mindfulness: A mindfulness matrix to extend the transformative potential of mindfulness for consumer, organizational, and societal wellbeing Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-06-01 Jutta Tobias Mortlock
This conceptual analysis contributes to extending the transformative potential of mindfulness for consumers and society by creating a mindfulness matrix that uncovers new linkages across previously siloed mindfulness literatures and by arguing that next-generation mindfulness research and practice should draw on underexplored synergies between these. The paper makes three key contributions: First,
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How consumer networks contribute to sustainable mindful consumption and well-being Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-05-08 Birgit Teufer, Sonja Grabner-Kräuter
Sustainable mindful consumption has positive impacts on the environment and on people's health and well-being. However, consumption circumstances and social contexts make it difficult for consumers to engage in sustainable mindful behavior. To explore the role of consumer networks in fostering mindful consumption, sustainable behavior, and health and well-being, interviews and focus groups with consumers
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Confronting the deep problem of consumption: Why individual responsibility for mindful consumption matters Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-04-26 Atul Parvatiyar, Jagdish N. Sheth
Decades of intentional cultivation of consumerism, materialism, affluence, and hedonism, fueled by advertising messages, have created a consumption culture that is not sustainable anymore. In addition to the problems of climate change, there are also significant social costs associated with overconsumption and harmful consumption. We identify the causes of the consumption problem and why individual
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Liminal (trans)formative spaces: A temporary escape from intersectionality Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-04-25 Teresa Davis, Gary Paramanathan
This paper is an examination of identity narratives of a small group of trans-national transpeople in Australia. We reveal the complex identity journey undertaken by this group. Transpeople of Sub-continental origin consume a temporarily transformational journey negotiating, resisting and subverting the dominant discourses that construct heterosexuality, gayness, whiteness and femininity. They carve
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The importance of language: A comparison of consumer and academic definitions of mindfulness Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-04-25 Kyungin Ryu
This article created a consumer and an academic mindfulness dictionary to better understand consumers', academics', and marketers' perceptions of mindfulness. A consumer survey and text mining methods were used to create the consumer dictionary, and an extensive review of mindfulness definitions was used for the academic dictionary. The consumer dictionary described mindfulness more in terms of affect
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To wear or not to wear? The influence of regulatory focus and individual cultural orientation on face mask wearing Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-04-25 Yuan Wen, Shipra Gupta, Merve Coskun
During the COVID-19 pandemic, much focus has been placed on the healthcare benefits of wearing face masks, yet some people resist wearing them. Though mask mandates may enhance face mask adoption in the short run, the effectiveness of such mandates, in the long run, remains questionable. Thus, understanding of psychological and sociological mechanisms behind wearing face masks becomes pertinent. This
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The effect of severe imagery in advertising on charitable behavior and the moderating role of social closeness Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-04-25 Billy Sung, Felix Septianto, Michelle Stankovic
The present paper systematically investigated the effectiveness of utilizing severe or disgusting, imagery, and the moderating effect of social closeness within non-profit health charity advertising appeals. Across three experiments, we found an interaction effect, whereby donations increased when severe images were shown, but only when high social closeness was also highlighted. Conversely, severe
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Understanding retail exclusion and promoting an inclusive customer experience at transforming service encounters Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-04-25 Fang-Chi Lu, Jayati Sinha
The authors review the marketing practices likely to make customers feel excluded (ignored or rejected) and analyze the potency of retail exclusion in the transforming service encounters due to the infusion of artificial intelligence (AI), robots, and other new technologies. Synthesizing the findings of prior studies, the authors propose an integrative theoretical framework for understanding different
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Vulnerable consumer experiences of (dis)empowerment with consumer protection regulations Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-04-25 Mohammed El Hazzouri, Rowan El-Bialy, Ela Veresiu, Kelley J. Main
The payday lending industry has been characterized as predatory, which has led to tougher government interventions. However, research on how stricter consumer protection regulations affect actual vulnerable consumers' lived experiences remains seriously underdeveloped. Following in-depth interviews with financially excluded and therefore vulnerable payday loan consumers, this study finds that increased
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How to increase students' motivation to engage in university initiatives towards environmental sustainability Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-04-18 Israel-Javier Juma-Michilena, Maria-Eugenia Ruiz-Molina, Irene Gil-Saura, Sergio Belda-Miquel
Nowadays, it is of vital importance to make students aware of the problems that can be generated by the deterioration of the environment. The purpose of this study is to establish a suitable mechanism to predict behavior and to investigate the actions that most motivate students to participate in sustainability activities both on and off campus. To achieve this objective, a sample of 1446 students
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The psychology of attraction to multi-level marketing Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-04-03 Lucas J. Dixon, Matthew J. Hornsey, Nicole Hartley, Cassandra M. Chapman, Justin P. Brienza
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 (Ntotal = 1503) revealed that attraction to multi-level marketing opportunities was associated with stronger extrinsic life goals (for becoming rich, famous, and attractive)
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Financial resilience of two-worker households from a health perspective Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-03-29 Rui Yao, Yilan Xu, Jie Zhang
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
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Balancing evolutionary impulses: Effects of mindfulness on virtue food preference Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-03-29 Amy Errmann, Felix Septianto
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
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Explaining consumers' progress through life insurance decision states: The role of personal values and consumer characteristics Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-03-20 Hazel Bateman, Paul Gerrans, Susan Thorp, Yunbo Zeng
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
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Financial socialization and financial distress: The role of cognitive and noncognitive abilities Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-03-17 Haidong Zhao, Lini Zhang, Sophia Anong
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
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Stockpiling intentions and customer well-being during the COVID-19 pandemic Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-03-16 Gurmeet Singh, Neale J. Slack, Shavneet Sharma, Amandeep Dhir
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
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Centering transgender consumers in conceptualizations of marketplace marginalization and digital spaces Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-02-23 Beck Hansman, Jenna Drenten
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 trans digital geographies as a novel analytical lens to focus attention on transgender
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Post-traumatic consumption: Does emotion regulation moderate the relationship between military life stressors, mental health outcomes, and compulsive buying? Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-02-21 Cristel A. Russell, Dale W. Russell, Christine Harris
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
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Twenty-five years of consumer vulnerability research: Critical insights and future directions Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-02-16 Rituparna Basu, Anil Kumar, Satish Kumar
Consumer vulnerability is gaining increasing attention from researchers and practitioners as a social phenomenon in modern consumption-driven societies. In an attempt to conduct a comprehensive review using credible published research materials on the topic, this study applies a big data analytics approach to analyze scholarly research with a pool of 859 articles covering the last 25 years of post-modern
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Online but unlawful sales of unapproved and misbranded prescription drugs: Internet pharmacy compliance with Food and Drug Administration warning letters Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-02-16 Yam B. Limbu, Bruce A. Huhmann
Consumers increasingly use online pharmacies. However, illicit online pharmacies endanger consumer welfare with unapproved and counterfeit drugs. By linking Food and Drug Administration (FDA) warning letter content with observations of the 1108 websites cited in those letters, we identify factors associated with FDA-requested compliance and active/inactive website status. One in five online pharmacies
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Beyond radical affordability in the base of the pyramid: The role of consumer self-confidence in product acceptance Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-01-31 Christopher P. Blocker, Kenneth C. Manning, Carlos A. Trujillo
When developing products and services for base of the economic pyramid (BoP) consumers, it has been widely assumed that organizations must set extremely low prices that are dependent on substantial product acceptance and economies of scale. However, such pricing is often not feasible. Growing evidence suggests that more moderate price levels are needed for organizations to viably serve the needs of
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Financial literacy in the digital age—A research agenda Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-01-29 Tiina Koskelainen, Panu Kalmi, Eusebio Scornavacca, Tero Vartiainen
Digital innovations are transforming financial services and resulting changes in consumer behavior and personal money management. Diffusion of pervasive digital technologies offers individuals quick and easy access to various digital services bringing opportunities and challenges into their personal money management. The study aimed to explore how digitalization affects individuals' financial literacy
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School and family environments promote adolescents' financial confidence: Indirect paths to financial literacy skills in Finnish PISA 2018 Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-01-28 Gintautas Silinskas, Arto K. Ahonen, Terhi-Anna Wilska
This study investigates the associations of adolescents' financial socialization factors—financial education in school and families—with financial confidence (i.e., confidence in using financial and digital financial services). In addition, we examine how financial socialization factors indirectly relate to financial literacy skills through financial confidence and the role of demographic factors (adolescent
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An expanded mindful mindset: The role of different skills in stress reduction and life satisfaction Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-01-26 Shalini Bahl, George R. Milne, Kunal Swani
Mindsets brought to the marketplace by consumers determine the decisions they make and, ultimately, their well-being. Mindsets based on a comprehensive set of mindfulness skills can provide a broader lens to understanding life's varied situations to make better choices. Considering research on mindfulness and Buddhist psychology, this study introduced an expanded mindful mindset comprising nine mindfulness
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Healthy financial habits in young adults: An exploratory study of the relationship between subjective financial literacy, engagement with finances, and financial decision-making Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-01-26 Elisabeth Sinnewe, Gavin Nicholson
This paper provides insights into young adults' financial habits and decision-making considerations as they enter the workforce. We use 28 semi-structured interviews with Australian university graduates to explore how their motivation to engage with personal finances and their subjective financial literacy, i.e., self-reported, support healthy financial habits. Our findings show that a young adult's
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The role of learning motivation on financial knowledge among Vietnamese college students Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-01-26 Trang M. T. Phung, Quoc N. Tran, Phuong Nguyen-Hoang, Nhut H. Nguyen, Tho H. Nguyen
Using survey data from 730 undergraduates in Vietnam, we find that learning motivation and its components, especially self-efficacy, finance learning value, and achievement goals, significantly correlate with students' financial literacy performance. In addition, these correlations are moderated by student characteristics, among which academic seniority, university type, parents' education, and extra
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Mindfulness through agency in health consumption: Empirical evidence from committed dietary supplement consumers Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-01-25 Yun Wang, Leighann C. Neilson, Shaobo Ji
Due to individuals' increasing demand for health promotion, various health-related consumer goods, like dietary supplements (DS), have flourished in the marketplace as magical solutions to consumers' life problems. Inevitably influenced by various marketplace stakeholders and information sources such as family, friends, brands, and social media influencers, consumers may encounter difficulties making
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Treat yourself: Food delivery apps and the interplay between justification for use and food well-being Journal of Consumer Affairs (IF 2.603) Pub Date : 2023-01-24 Sabrina Capito, Albena Pergelova
This study examines the relationship between justification for use and well-being in respect to mobile food delivery apps (FDA). Adopting an interpretivist qualitative approach, the study offers contributions to the FDA and food well-being literature by uncovering four groups of licensing effects that consumers use in justifying FDA use. Those licensing effects can have either positive or negative
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Compulsory technology adoption and adaptation in education: A looming student privacy problem Journal of Consumer Affairs (IF 2.603) Pub Date : 2022-12-28 Kristen L. Walker, Kiya Bodendorf, Tina Kiesler, Georgie de Mattos, Mark Rostom, Amr Elkordy
Educational settings worldwide have a significant impact on the early use of digital devices and online media by children. Therefore, schools' educational technology (EdTech) adoption decisions may lead to long-term repercussions for students and society. The authors explore how schools make technology decisions on behalf of their students, focusing on the ways that privacy and data security are considered
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Financial inclusion and food insecurity: Examining linkages and potential pathways Journal of Consumer Affairs (IF 2.603) Pub Date : 2022-12-22 Isaac Koomson, Simplice A. Asongu, Alex O. Acheampong
Considering the worsening levels of food insecurity globally, studies exploring the link between financial inclusion and food insecurity have become imperative. This paper contributes to the literature by examining the effect of financial inclusion on food insecurity using a multidimensional index of financial inclusion and a food insecurity construct obtained from the Food Insecurity Experience Scale
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Health shocks and mortgage debt payoff among American homeowners over age 50: A survival analysis Journal of Consumer Affairs (IF 2.603) Pub Date : 2022-12-14 Qun Zhang, Hyungsoo Kim
Mortgage debt is financially burdensome for many older homeowners in the United States. As people age, declining health can bring about increased healthcare costs. Focusing on homeowners aged 50 and older in the U.S., we investigate two research questions: (1) To what extent does a heath shock affect the likelihood of paying off a mortgage voluntarily or involuntarily? and (2) how long does a health
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Extending the diversity conversation: Fashion consumption experiences of underrepresented and underserved women Journal of Consumer Affairs (IF 2.603) Pub Date : 2022-12-14 Lena Cavusoglu, Deniz Atik
This research brings in the voice of underserved and underrepresented women of various racial or ethnic origins and social classes, who have differing buying powers, sexual orientations, body shapes, and physical appearances, into the conversation of fashion diversity. Through a qualitative inquiry with 38 semi-structured in-depth interviews, the researchers analyzed the consumption experiences of
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Can behavioral nudges and incentives help lower-income households build emergency savings with tax refunds? Evidence from field and survey experiments Journal of Consumer Affairs (IF 2.603) Pub Date : 2022-12-09 Mathieu Despard, Stephen Roll, Michal Grinstein-Weiss, Bradley Hardy, Jane Oliphant
Tax refunds are an opportunity for lower-income households to accumulate emergency savings so they have cash on hand to cover expenses when income is insufficient. Our field experiments testing different behavioral interventions to encourage refund saving via online tax filing show small effect sizes (0.12–0.14) and a low aggregate savings rate (12%) that might be increased were filers to receive financial
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The relationships of financial literacy with both financial behavior and financial well-being: Meta-analyses based on the selective literature review Journal of Consumer Affairs (IF 2.603) Pub Date : 2022-12-07 Hyesun Hwang, Hyung In Park
This study conducted meta-analyses of the relationships between financial literacy and both financial behavior and financial well-being. Peer-reviewed articles published on financial literacy in the field of consumer studies were collected by July 29, 2020. Fourteen articles were eligible for the meta-analyses. The results showed positive relationships of financial knowledge with desirable financial
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Parents' perceptions of the sensitivity of their children's personal information and willingness to share with social media marketers: Implications for sharenting Journal of Consumer Affairs (IF 2.603) Pub Date : 2022-12-07 Mariea Grubbs Hoy, Alexa K. Fox, George D. Deitz
Many stakeholders such as parents, companies, and policymakers play a role in children's online privacy. This study explores how parents who have at least one child age 10 and younger perceive the sensitivity of their children's personal information and willingness to share it with social media marketers. Survey results of 418 parents indicate that a variety of types of children's information is perceived
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Health insurance coverage during the COVID-19 pandemic: The role of Medicaid expansion Journal of Consumer Affairs (IF 2.603) Pub Date : 2022-12-07 Bidisha Mandal, Nilton Porto, D. Elizabeth Kiss, Soo Hyun Cho, Lorna Saboe-Wounded Head
Using data from the US Census Bureau's Household Pulse Survey, we analyzed the likelihood of loss of health insurance and enrollment into new health coverage during the early months of the COVID-19 pandemic. Loss of employment was associated with a significant increase in the likelihood of loss of health insurance and, specifically, an increase in the likelihood of employer-sponsored health insurance
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Having less: A personal project taxonomy of consumers' decluttering orientations, motives and emotions Journal of Consumer Affairs (IF 2.603) Pub Date : 2022-12-07 Catherine A. Roster, Joseph R. Ferrari
This study examines consumers' orientations toward decluttering and what differentiates consumers' engagement with decluttering as a routine social practice. An internet survey was conducted with a convenience sample of 172 adult consumers who recently engaged in home decluttering projects. Cluster analysis used appraisals of personal project dimensions to create a taxonomy in which we identified three