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Monday, May 20
 

8:00am CDT

Board Meeting
Board Members only.
Monday May 20, 2024 8:00am - 5:00pm CDT
Vue East - 21st Floor
  Meeting

5:30pm CDT

Board Dinner
Board Members Only
Monday May 20, 2024 5:30pm - 7:30pm CDT
TBA
 
Tuesday, May 21
 

8:00am CDT

Board Meeting
Board Members only.
Tuesday May 21, 2024 8:00am - 10:30am CDT
Vue East - 21st Floor
  Meeting

8:00am CDT

Registration
Tuesday May 21, 2024 8:00am - 7:00pm CDT
Regency Foyer
  Registration

11:00am CDT

1st Timers' Welcome & Orientation
Are you new to ACCI and our Annual Conference? Are you a student attending the conference? The ACCI Board of Directors wants to meet you! Join us for a casual introduction and information session prior to the conference opening general session.
Tuesday May 21, 2024 11:00am - 12:00pm CDT
Vue North - 21st Floor
  Special Event

1:00pm CDT

Opening General Session with Esther Peterson Lecture by David Silberman
1:00-1:10 Welcome

1:10-2:00 Esther Peterson Consumer Policy Forum Lectureship - David Silberman
"The Researcher and the Regulator Can Be Friends: How household finance research affects regulatory policy making"
The rules that govern the provision of consumer financial products and services can directly affect the welfare of those who use or seek to use these products and services. The regulators that promulgate these rules aspire to engage in evidence-based policy making, grounding the rules they issue in research from which they can assess the benefits, costs, and impacts of alternative courses of action. How has household finance research influenced consumer financial regulators and regulation? And how can researchers affect policy maker and policy making going forward?

2:00-2:25 Paper Awards:
  • National Endowment for Financial Education (NEFE) Paper Award:
    Does Increasing the Minimum Wage Reduce Racial Disparities in Access to Local Financial Services?
    Authors: Megan Bea and Lauri Luosta, University of Wisconsin-Madison
  • Richard L. D. Morse Applied Consumer Economics Award (Professional Paper):
    The Dual-Process Theory of Consumer Decision-Making: Unraveling the Dynamics of Consumption Happiness
    Author: Jaehye Suk, Sungkyunkwan University
  • Consumer Movement Archives Applied Consumer Economics Award (Student Paper):
    Affordable Care Act Medicaid Expansions and Self-Reported Indicators of Financial Health
    Author: Vivekananda Das, University of Wisconsin-Madison
  • CFP Board's ACCI Financial Planning Paper Award:
    Retirement Expectation vs. Reality: If COVID-19 Did Not Impact Retirement Expectations Significantly, What Did?
    Authors: Zhikun Liu, MissionSquare Retirement, David Blanchett, Prudential, Qi Sun, Pacificlife, and Naomi Fink, Europacifica

2:25-2:40 Journal of Consumer Affairs Nominated Best Article Introduction & Presentation - “Financial literacy in the digital age—A research agenda” by Tiina Koskelainen, Panu Kalmi, Eusebio Scornavacca, and Tero Vartiainen
JCA 57(1), pp 507-528, https://doi.org/10.1111/joca.12510

2:40-2:50 FINRA Undergraduate Student Poster Competition Award - A Tale of Two Crypto Users: Demographic and Financial Differences in Cryptocurrency Usage by Ryan Witz, University of Wisconsin-Madison

2:50-3:05 Early-Career Professional Development Mentorship Program Ceremony - Yunhee Chang, Chair of the Early-Career Professional Development Mentorship Program Committee
Mentees: Yi Liu, Congrong Ouyang, Madeline L’Esperance, Biswadeep Dhar, Jaeyong Yoo and Rui Chen (who is not present); Mentors: KT Kim, Melissa Wilmarth, Jing Jian Xiao, Angela Fontes, Yilan Xu, and Robb Neilsen (who is not present)

3:05-3:15 Announcements
Speakers
avatar for David Silberman

David Silberman

Senior Advisor, Financial Health Network

Tuesday May 21, 2024 1:00pm - 3:15pm CDT
Regency AB
  General Session

3:15pm CDT

Break
Tuesday May 21, 2024 3:15pm - 3:30pm CDT
Atrium

3:30pm CDT

A1 Alternative Borrowing
Moderators
avatar for Panu Kalmi

Tuesday May 21, 2024 3:30pm - 5:00pm CDT
Milwaukee
  Concurrent A

3:30pm CDT

A1a Access to Alternative Financial Services and Consumer Borrowing: Does Financial Capability Matter?
This study examines the association between the availability of alternative financial services (AFS) in the geographic area and consumers’ use of AFS products and whether consumers’ financial capability moderates the effect of access. The 2021 wave of the National Financial Capability Study (NFCS) is used. Results from this study revealed that a greater density of AFS lenders in the area predicted higher probability and frequency of use, and financial capability remained an overall strong negative predictor of AFS use. The findings further suggest that financial knowledge and perceived money-management capability might negatively moderate the effect of AFS lender density on individual AFS use. We also found indications that payday bans are linked to an increased use of other types of AFS products. Implications for policymakers, scholars, and researchers are discussed.

Author(s): Swarn Chatterjee, Yunhee Chang
Presenters
avatar for Swarn Chatterjee

Swarn Chatterjee

Professor, University of Georgia

Tuesday May 21, 2024 3:30pm - 5:00pm CDT
Milwaukee
  Concurrent A

3:30pm CDT

A1b Payday Lenders as Utility Payment Centers: Can Paying Down Bills Lead to Debt?
Utilities companies have increasingly leveraged existing retail networks to serve as third-party bill payment centers or authorized agents. However, the use of payday lenders, in particular, as authorized payment centers raises critical policy questions. In this paper, we study whether financially vulnerable households are induced to take out payday loans that they otherwise would not have when given the opportunity to pay their utility bills at these locations. Our study focuses on the state of Missouri, where a 2016 regulation prohibited utility companies from allowing bill payments at payday loan outlets. Utilizing a quasi-experimental synthetic control methodology, we find that payday loan usage in Missouri decreased 0.5 percentage points following the enactment of the bill payment regulation, representing a 17.8 percent decrease in usage relative to the baseline mean in the pre-period. In ongoing work, we consider spillover effects on the usage of other alternative financial services, such as pawnshop loans, as well as broader measures of financial behavior, such as opening a bank account or the use of credit cards.

Author(s): Yiwei Zhang, Xiangchen Liu
Presenters
YZ

Yiwei Zhang

Assistant Professor, University of Wisconsin-Madison

Tuesday May 21, 2024 3:30pm - 5:00pm CDT
Milwaukee
  Concurrent A

3:30pm CDT

A1c Role of “Buy Now, Pay Later” (BNPL) services in Household’s Credit Card Usage
Buy now, pay Later” (BNPL) services enabling zero-cost short-term financing for purchases have gained a lot of prominence in the recent years, especially over the pandemic. Using survey data from the Federal Reserve Board’s Survey of Household Economics and Decision making (SHED), we explore the sociodemographic and financial characteristics correlated to the adoption of BNPL products. Households younger than 35 years, of racial minority are more likely to use BNPL services, whereas households older than 45, with a graduate degree or more, homeowner, and U.S. citizens are less likely to use BNPL services. Since BNPL is a short-term financing service, we wanted to examine the role of BNPL use in moderating the relationship between credit card debt management and financial wellbeing of consumers. The interaction between BNPL usage and frequencies of having unpaid credit card balances illuminated that, when used judiciously, BNPL services might mitigate the negative repercussions commonly associated with unpaid credit card debt. In a market that largely remains unregulated in the U.S., it is imperative that financial educators and consumer advocates emphasize the importance of cautious credit use and the potential ramifications of debt accumulation, ensuring that households are equipped to make informed decisions in an increasingly complex credit landscape.

Author(s): Aditi Routh, Congrong Ouyang
Presenters
AR

Aditi Routh

Economist, Federal Reserve Bank of Kansas City
CO

Congrong Ouyang

Assistant Professor, Kansas State University

Tuesday May 21, 2024 3:30pm - 5:00pm CDT
Milwaukee
  Concurrent A

3:30pm CDT

A2 Health and Finances
Moderators
JJ

Jesse Jurgenson

Assistant Professor of Practice, Texas Tech University

Tuesday May 21, 2024 3:30pm - 5:00pm CDT
Executive AB
  Concurrent A

3:30pm CDT

A2a Bidirectional, Longitudinal Associations Between Finance and Health – What Comes First?
This study aims to provide a comprehensive examination of the relationship between individual/househopld financial situation and health outcomes of household members To this end  a range of health measures, financial situation indicators and covariates has been used. Previous research has primarily relied on single indicators, limiting understanding of this complex link. The study utilizes data from the Survey of Health, Ageing and Retirement in Europe, measuring multiple aspects of health, financial situation, and relevant covariates for almost 20,000 middle-aged and older adults from 13 European countries. By employing a broader set of indicators, the researchers aim to offer valuable insights into the financial implications of debt for health among this population. The findings may inform healthcare practices and policies seeking to improve health outcomes by addressing financial insecurity and debt.

Author(s): Piotr Bialowolski, Dorota Weziak-Bialowolska, Tyler VanderWeele
Presenters
PB

Piotr Bialowolski

Associate Professor, Kozminski University

Tuesday May 21, 2024 3:30pm - 5:00pm CDT
Executive AB
  Concurrent A

3:30pm CDT

A2b Exploring the Association Among Debt Collection Experience, Financial Access, and Physical Health
Americans rate financial stress as one of their top stressors. Financial stress such as difficulty and inability to meet financial obligations and worry about financial matters, manifests in physical and mental health experiences such as difficulty sleeping, irritability or anger, and fatigue. Consumers with delinquent and seriously delinquent accounts may experience debt collection activity as creditors attempt to collect on an unpaid debt after due dates have passed. Stress induced by this debt collection has significant impact on the health of the consumers. However, little is known about the potential association of debt collection experience to physical health and the role of financial access. Financial access, the ability to own and use financial products and services from mainstream financial institutions, may serve as a buffer on the association. Using the 2022 Financial Health Pulse, this study explored the association among debt collection experience, financial access, and health. This study identified three latent classes of financial access (Investor, Working Class and Thinly Banked) and also found a negative association between debt collection experience and physical health. The negative association is strongest for those with the lowest financial access. Results suggest the potential for the integration of financial assessment into healthcare delivery.

Author(s): Euijin Jung
Presenters
EJ

Euijin Jung

Postdoctoral Student, University of Kansas

Tuesday May 21, 2024 3:30pm - 5:00pm CDT
Executive AB
  Concurrent A

3:30pm CDT

A2c Financial Toxicity in UF Cancer Catchment Area
To aid in the fight against cancer, extensive research and innovative clinical therapies are conducted. Oncological treatments are expensive; insurance may not cover all treatment fees, and compared to individuals without a cancer history, cancer survivors have higher out-of-pocket expenses (National Cancer Institute, 2019). Collectively, these hardships are described as financial toxicity.
Financial toxicity results from increased cost-sharing payments, reduced income from the loss of work, and behavioral and psychological responses caused by incurred healthcare expenses (de Souza and Conti 2017). Some insurance policies may cover direct costs, such as physician fees, medication, and hospitalization fees. However, a typical insurance coverage plan may not cover all aspects of a patient’s course of treatment, especially indirect costs not associated with treatment itself. These gaps in coverage leave patients responsible for out-of-pocket (OOP) expenses such as deductibles, and coinsurance payments. Whether one has any insurance (i.e., Medicare, Medicaid), or no insurance, will impact the OOP cost of prescriptions, procedures, and other care needs (Singleterry 2017). With rising costs of cancer treatment in the United States, even patients with health insurance are at risk of experiencing financial toxicity. This study investigates financial toxicity among U.S. cancer patients in the context of overall financial well-being.

Author(s): Biswadeep Dhar, Travis Mountain, Michael Gutter
Presenters
BD

Biswadeep Dhar

Assistant Professor, University of Maryland, Eastern Shore

Tuesday May 21, 2024 3:30pm - 5:00pm CDT
Executive AB
  Concurrent A

3:30pm CDT

A3 ACCI Mentorship Program Roundtable Panel
Participants of the 2023-2024 ACCI Early-Career Professional Development Mentorship Program will share their experiences in the mentorship program. The challenges ACCI’s early-career members face in areas such as academic publishing, grantsmanship, and networking, as well as the role of mentorship in successfully navigating those challenges, will be discussed. All are welcome to attend.

Yilan Xu (“ACCI’s Early-Career Professional Development Mentorship Program”)
Madelaine L’Esperance, Yi Liu, Jaeyong Yoo, Pan-ju Chen, Yvonne Hampton, Tapiwa Sigauke, Yulia Zhang (“Success and Challenges in Academic Publishing, Grants, and Professional Networking for Early-Career Professionals”)
Kyoung Tae Kim, Nilton Porto, Melissa Wilmarth, Jing Xiao, & Yilan Xu (“Effective Mentor-Mentee Relationship”)
Moderators
avatar for Yunhee Chang

Yunhee Chang

Professor, University of Mississippi

Presenters
avatar for Nilton Porto

Nilton Porto

Associate Professor, University of Rhode Island
JJ

Jing Jian Xiao

Professor, University of Rhode Island
YZ
avatar for Melissa Wilmarth

Melissa Wilmarth

Associate Professor, University of Alabama
avatar for Yilan Xu

Yilan Xu

Associate Professor, University of Illinois at Urbana-Champaign
avatar for Kyoung Tae Kim

Kyoung Tae Kim

Associate Professor, University of Alabama
avatar for Madelaine L'Esperance

Madelaine L'Esperance

Assistant Professor, University of Alabama
I am an Assistant Professor in the Department of Consumer Sciences at The University of Alabama. I am also a faculty affiliate of the Center for Financial Security at the University of Wisconsin-Madison.​My research focuses on three key areas: how youth and young adults develop... Read More →
TS

Tapiwa Sigauke

Teaching Assistant Professor, University of Illinois Urbana-Champaign
JY

Jaeyong Yoo

Assistant Professor, Virginia Tech
PC

Pan-Ju Chen

Assistant Professor, University of Alabama
avatar for Yi Liu

Yi Liu

Assistant Professor, St. John Fisher University
YH

Yvonne Hampton

Manager of Healthcare Economics, Johns Hopkins Healthcare

Tuesday May 21, 2024 3:30pm - 5:00pm CDT
Executive CD
  Concurrent A

5:00pm CDT

Break
Tuesday May 21, 2024 5:00pm - 5:15pm CDT
Atrium

5:15pm CDT

B1 Financial Access
Moderators
avatar for Jacob Tenney

Jacob Tenney

Assistant Professor and Director of Financial Planning, University of Charleston
I am the Director of Financial Planning at the University of Charleston in Charleston, West Virginia. My interests include Financial Literacy, Horticulture, Reading, and hanging out with my children.

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Milwaukee
  Concurrent B

5:15pm CDT

B1a A Systematic Conceptual Review of Financial Access
To manage their financial well-being, consumers need access to a variety of financial products and services for meeting their saving, spending, and investment needs. Given its importance to support a variety of household financial functions, individuals’ access to financial products and services, or “financial access,” has been of growing interest in practice and research. This study uses the systematic conceptual review method and grounded theory to create financial access concepts, a definition, domains, and items that emerge from the literature. The definition reads, “An individual who financial access (i.e., encounters no intrinsic or external barriers) has freely chosen to utilize available, affordable, appropriate, convenient, beneficial, reliable, and secure household financial-related products, services, practices, and policies provided by formal financial institutions and governments that contributes to their financial and economic well-being.” The identified domains are a) Mainstream Financial Products and Services; b) Institutional Practices of Available Mainstream Financial Service Providers; c) Individual Resources and Intrinsic Qualities and Abilities; d) Individual Financial Action and Perceptions; and e) Financial Products or Services Utilized by Social Programs to Provide Benefits. Results suggest the need to broaden the focus of financial access and well-being policies and practices beyond ownership of financial products and services.

Author(s): Julie Birkenmaier, Jin Huang
Presenters
avatar for Julie Birkenmaier

Julie Birkenmaier

Professor, Saint Louis University
My main research agenda is focused on financial capability and financial access topics.

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Milwaukee
  Concurrent B

5:15pm CDT

B1b Exploring Earned Wage Access as a Liquidity Solution
Earned wage access (EWA) – also known as on-demand pay– is a solution to address short-term liquidity needs by allowing users to draw some or all of their wages as they earn them, ahead of their next scheduled payday. As a relatively new product, providers, consumers, and policymakers are all trying to better understand how the service works for users. This study, conducted by the Financial Health Network, seeks to better understand not only how but why consumers are choosing to use EWA, how it complemented or changed their financial behavior, and how using EWA impacted their financial health. To answer these questions, we collected qualitative data through a 3-day online discussion board of 21 users of direct-to-consumer and employer-integrated EWA platforms. Through this qualitative study we find that study participants use EWA primarily to pay bills on time and cover unexpected expenses. Participants tend to prefer EWA to available alternatives including payday loans, intentionally incurring late fees or overdraft, or borrowing from friends and family. Finally we find that while using EWA increased participants’ ability to pay their bills and cover expenses in the short-term, it does not solve for underlying the challenges of income insufficiency and precarity.

Author(s): Lisa Berdie, Riya Patil
Presenters
LB

Lisa Berdie

Manager, Financial Health Network

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Milwaukee
  Concurrent B

5:15pm CDT

B1c Understanding Long-Term Trends in Bank Account Ownership by Race and Ethnicity
The proportion of all U.S. households without an account at a federally insured depository institution—the unbanked rate—declined by more than two-thirds between 1989 and 2022. Consistent with the trend in the national unbanked rate, unbanked rates among Black and Hispanic households—population segments with persistently high unbanked rates—also fell substantially. This research identifies key factors that contributed to long-term decreases in unbanked rates across race and ethnicity. The 1989–2022 triennial Survey of Consumer Finances, which contain a rich set of characteristics that can influence a household’s desire to have a bank account, are well-suited for our analysis. To provide further insight into barriers to bank account ownership, and how these barriers might have changed over time, we use the 2013–2021 biennial Unbanked and Underbanked Supplement to the monthly Current Population Survey to examine time trends in reasons unbanked households cited for not having a bank account. We also study other key outcome measures in these data: methods that banked households used to access bank accounts (e.g., bank tellers and mobile banking) and financial transaction products that households might use to substitute for certain functions of a bank account (e.g., nonbank money orders and check cashing).

Author(s): Ryan Goodstein, Alicia Lloro, Jeffrey Weinstein
Presenters
JW

Jeffrey Weinstein

Senior Financial Economist, Federal Deposit Insurance Corporation

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Milwaukee
  Concurrent B

5:15pm CDT

B2 Digital Markets
Moderators
avatar for Kyoung Tae Kim

Kyoung Tae Kim

Associate Professor, University of Alabama

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Executive AB
  Concurrent B

5:15pm CDT

B2a Cryptocurrency Investment: How Do Investors Use Social Media Platforms?
This study aims to investigate the relationships between social media usage and cryptocurrency investment behavior. Using the 2021 National Financial Capability Study (NFCS) main dataset and its supplementary Investor Survey, we analyzed 11 different social media platforms as potential sources of information for investments. The dependent variable is cryptocurrency investment, which encompasses all timeframes, including past, current experiences, and future considerations in cryptocurrency investment. Additionally, we explored the associations of investment knowledge and risk tolerance with cryptocurrency investment. Regression results from the 2021 NFCS reveal that investors who used social media platforms for investment information were more likely to invest in cryptocurrencies. This likelihood increased as the number of social media platforms used also increased. Among the eleven social media platforms studied, YouTube, Reddit, Twitter, and Clubhouse showed positive associations, while Instagram exhibited a negative association with cryptocurrency investment. Additionally, subjective investment knowledge and risk tolerance were positively associated with cryptocurrency investment.

Author(s): Kyoung Tae Kim, Lu Fan
Presenters
avatar for Kyoung Tae Kim

Kyoung Tae Kim

Associate Professor, University of Alabama

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Executive AB
  Concurrent B

5:15pm CDT

B2b Digital Financial Literacy and Digital Finance Access in South Korea
Digital financial literacy is an emerging concept that refers to the knowledge, skills, and abilities required for safe and efficient use of digitally delivered financial services. In this study, we aim to examine how digital financial literacy influences the adoption of digital financial services in South Korea, and whether users derive benefits from such services. Following the literature, digital financial literacy is conceptualized as a joint construct of financial knowledge and four domains of digital literacy related to digital finance. Using online survey data from 1587 adults, this study shows that digital financial literacy is associated with a higher likelihood of adopting digital platforms for banking, loans, stock investing, insurance, utility, payment, and credit card management. Further analyses find that digital financial literacy is linked to increased access to finance through digital platforms, reduced costs or fee waivers when using digital financial services, and informational benefits such as service recommendations and payment due reminders. When financial knowledge and digital literacy were modeled separately, the effects of digital literacy were generally greater than the effects of financial knowledge. Overall, our findings highlight the prominent role of digital financial literacy in promoting financial inclusion in the digital age.

Author(s): Youngjoo Choung, Tae-Young Pak, Swarn Chatterjee, Jung-Hyun Park
Presenters
TP

Tae-Young Pak

Associate Professor, Sungkyunkwan University

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Executive AB
  Concurrent B

5:15pm CDT

B2c The Mediating Role of Hope in the Relationship Between Social Comparison Orientation and Expected Future Financial Security
This study contributes to the literature by enhancing the understanding of the effects of social comparison orientation on financial well-being and by demonstrating the mediating role of hope in that relationship. The study sheds light on the potential positive effects of social comparison orientation on one’s financial well-being and provides insight into the conditions under which such effects can occur. Specifically, the findings suggest that hope, as agency and pathways, plays a critical role in mitigating the negative effects of social comparison orientation on financial well-being, bridging the social comparison theory and hope theory in the context of financial well-being.

Author(s): Pan-Ju Chen
Presenters
PC

Pan-Ju Chen

Assistant Professor, University of Alabama

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Executive AB
  Concurrent B

5:15pm CDT

B3 Food Insecurity
Moderators
YH

Yvonne Hampton

Manager of Healthcare Economics, Johns Hopkins Healthcare

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Executive CD
  Concurrent B

5:15pm CDT

B3a Hunger Games: Does Hunger Influences Risk Preferences?
Standard economic theory focuses on static and stable preferences. However, growing evidence shows that cognitive, emotional, and visceral states can mediate behavioral biases and shape preferences (DellaVigna, 2009). Symmonds et al. (2010) and Levy et al. (2013) show that risk attitudes fluctuate with metabolic states. This study builds upon this research by investigating whether hunger influences risk attitudes. In a controlled laboratory experiment, we manipulated hunger levels while employing a specialized risk attitude elicitation tool capable of parametrically estimating the Prospect Theory (PT) components, utilizing a convex budget line (CBL) allocation methodology (Andreoni and Sprenger, 2012).
Participants fasted for at least three hours before the experiment and completed a high-protein shake-tasting activity before or after completing the risk attitude elicitation questionnaire. Our results suggest a limited impact of hunger on the utility function and loss aversion parameters. However, we find that hungry (fasting) participants display significantly more risk aversion (curvature of the utility function) and probability distortion (inverse S shape of the probability weighting function) than the satiated participants. These results align with and extend existing evidence regarding the impact of satiation and hunger on risk attitudes, adding to the ongoing discourse on the role of hunger in economic decision-making.

Author(s): Lydia Ashton, Emmanuel Kemel, Antoine Nebout
Presenters
LA

Lydia Aston

Assistant Professor, University of Wisconsin-Madison

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Executive CD
  Concurrent B

5:15pm CDT

B3b Layoffs and Food Insecurity
The COVID-19 pandemic has resulted in the closure of numerous businesses and widespread job losses, significantly impacting individuals and families. Those involuntarily unemployed face financial challenges, leading to cutbacks in various expenses, particularly in food, often resorting to lower-quality options. This study aims to assess the repercussions of job loss on food expenditure and compare these effects with other types of spending, examining people’s attitudes toward the importance of food consumption in relation to activities like leisure.

Author(s): Kiet Tuan Le, Thanh Nguyen, Nina Rutledge
Presenters
NR

Nina Rutledge

Athens Academy, Athens Academy

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Executive CD
  Concurrent B

5:15pm CDT

B3c Using Food as Medicine to Address Health Disparities: The Veggie Rx Model
Veggie Rx is a program that aims to empower diabetic patients with nutritional knowledge and reward their habit formation with vegetable vouchers. This qualitative study explores how Veggie Rx participants enact new practices in the context of resource scarcity. The preliminary findings reveal three overlapping and recursive stages of practice enactment: 1) Resource acquisition: Participants acquire new resources (e.g., nutritional knowledge, vegetable vouchers) through the program. This stage is often characterized by positive responses and a sense of empowerment. 2) Evolution of practices: Participants strategically utilize their resources (both existing and new) to meet their own needs and those of their households. Resource scarcity can limit the effectiveness of program interventions at this stage. 3) Diffusion of practices: Participants share their practices with their social contacts, multiplying the effects of the program. The emergent findings suggest that Veggie Rx can be an effective tool for addressing health disparities, but that it is important to consider the role of resource scarcity in practice enactment.

Author(s): Ada Leung, Nelly Perez, Lisa Weaver, Kayla Rutt, Madeline Bermudez, Christina Scartozzi, Susan Veldheer
Presenters
AL

Ada Leung

Associate Marketing Professor, Pennsylvania State University Berks

Tuesday May 21, 2024 5:15pm - 6:45pm CDT
Executive CD
  Concurrent B

6:45pm CDT

Welcome Reception
Tuesday May 21, 2024 6:45pm - 7:45pm CDT
Vue North - 21st Floor
  Food & Beverage

7:45pm CDT

Games and Social Hour
Tuesday May 21, 2024 7:45pm - 8:45pm CDT
Hotel Lobby
  Special Event
 
Wednesday, May 22
 

7:00am CDT

JCA Editorial Meeting
With breakfast
Wednesday May 22, 2024 7:00am - 9:00am CDT
Pere Marquette
  Meeting

8:00am CDT

Breakfast
Wednesday May 22, 2024 8:00am - 8:50am CDT
Atrium
  Food & Beverage

9:00am CDT

General Session 2 - Colston Warne Lectureship by Janis Pappalardo
9:00-9:05 Welcome

9:05-9:50 Colston E. Warne Lectureship - Janis Pappalardo, CFPB
"Household Financial Stability: Data, Metrics, and Missing Pieces"
Following the financial crisis, policymakers and researchers have increasingly sought to understand the state of household financial stability (HHFS) and emerging risks to HHFS. On the micro level, HHFS is a critical foundation for household wealth building and overall wellbeing. On the macro level, changes in HHFS can also threaten overall economic stability. In this presentation, Jan Pappalardo will highlight key metrics and data sources that have emerged over the last decade or so. What concepts and measures are being used? How do these measures relate to each other and to HHFS? What data are available to track trends? What gaps and opportunities for advancement remain? Jan hopes to strengthen collaboration between government, academia, and civil society to advance our ability to identify emerging risks to HHFS.

Disclaimer
This presentation is being made by a Consumer Financial Protection Bureau representative on behalf of the Bureau. It does not constitute legal interpretation, guidance, or advice of the Consumer Financial Protection Bureau. Any opinions or views stated by the presenter are the presenter’s own and may not represent the Bureau’s views.

9:50-10:05 Poster Session 60-second Previews

10:05-10:15 Service Awards:
  • Richard L. D. Morse Mid-Career Award - Kyoung Tae (KT) Kim, University of Alabama
  • Stewart M. Lee Consumer Education Award – Lorna Wounded Head, South Dakota State University Extension

10:15-10:25 Journal of Consumer Affairs Nominated Best Article Presentation - “Stockpiling intentions and customer well-being during the COVID-19 pandemic” by Gurmeet Singh, Neale J. Slack, Shavneet Sharma, and Amandeep Dhir
JCA 57(3), pp 1039-1065, https://doi.org/10.1111/joca.12522

10:25-10:30 Announcements
Speakers
avatar for Janis Pappalardo

Janis Pappalardo

Deputy Associate Director for Research, Monitoring, and Regulations, Consumer Financial Protection Bureau

Wednesday May 22, 2024 9:00am - 10:30am CDT
Regency AB
  General Session

10:30am CDT

Break
Wednesday May 22, 2024 10:30am - 10:45am CDT
Atrium

10:45am CDT

C1 Employment
Moderators
avatar for Yunhee Chang

Yunhee Chang

Professor, University of Mississippi

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Milwaukee
  Concurrent C

10:45am CDT

C1a Does Increasing the Minimum Wage Reduce Racial Disparities in Access to Local Financial Services?
National Endowment for Financial Education (NEFE) Paper Award Winner

Inclusion in the financial system is unequal across race and class, with many Black, Latinx and low-income families unable to access banking services due to discrimination and increasing costs of maintaining accounts. Instead, they turn to costly alternative financial services (AFS) like check cashers and payday lenders that can exacerbate financial difficulties. We consider how enhanced social policy may improve financial access by asking 1) does increasing the minimum wage improve the availability of neighborhood financial services? and 2) does it reduce racial inequities in access to services? We evaluate changes in the availability of financial services in local communities as a function of state minimum wage policies between 2003 and 2015. For the average community, increasing minimum wage generosity results in a reduced presence of payday lending services, but little change in banking services. However, results stratified by neighborhood racial composition reveal that declines in the share of high-cost services following minimum wage increases only occur in predominately white neighborhoods and that predominately non-white neighborhoods see little change in the composition of services. This has implications for the development of policies to improve financial access.

Author(s): Megan Bea, Lauri Luosta
Presenters
MD

Megan Doherty Bea

Assistant Professor, University of Wisconsin-Madison

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Milwaukee
  Concurrent C

10:45am CDT

C1b How Consumer Impatience Affects Labor and Leisure Choices when Public Transfer Incomes Offered
This study aims to examine the impact of consumer impatience on their decisions regarding work and leisure when public transfer income is provided. We investigate whether individuals tend to reduce their work hours or discontinue working altogether, or if they continue working as usual when they receive public transfers from governmental sources. We evaluate individual time preference for impatience measure and utilize the ordered probit model with the National Survey of Tax and Benefit (NaSTaB) panel data in South Korea. Our preliminary result indicates that the choice between work and leisure is significantly influenced by consumer impatience. The level of impatience, evaluated through measures of time preference and discount rates, has a noticeable impact on the choice between work and leisure when transfer income is available. Impatient individuals tend to either cease working or continue working differently than those who exhibit patience. While impatience isn't associated with a desire to stop working altogether, it does influence a willingness to work fewer hours when transfer income is on the table.

Author(s): Namhoon Kim, Travis Mountain
Presenters
TM

Travis Mountain

Assistant Professor, University of Georgia

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Milwaukee
  Concurrent C

10:45am CDT

C1c Online Learning in the Face of Unemployment
Shortly after the onset of the COVID-19 pandemic the unemployment rate reached 14.7%-- the highest rate since the Great Depression. We use COVID-19 as an event study to compute the average treatment effect (ATE) of both voluntary and involuntary job exits on online educational content using augmented inverse propensity-weighted (AIPW) estimators. We found that following the pandemic, individuals who were involuntarily laid off increased their consumption of online educational content compared to people who were not laid off. We argue that this subgroup engages in online educational content in order to increase their human capital and have higher job prospects. Our significant findings are critical for policymakers when planning workforce initiatives during periods of mass layoffs.

Author(s): Octavio Aguilar, Kiet Tuan Le
Presenters
KL

Kiet Le

Research Fellow, Stanford University

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Milwaukee
  Concurrent C

10:45am CDT

C2 Health and Community
Moderators
AL

Ada Leung

Associate Marketing Professor, Pennsylvania State University Berks

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Executive AB
  Concurrent C

10:45am CDT

C2a Economic Consequences of Childhood Exposure to Urban Environmental Toxins
During the late nineteenth century, half of all municipalities in the U.S. installed lead water pipes, exposing millions of people to harmful levels of lead consumption. This paper explores the long-term effects of waterborne lead exposure on men's well-being and labor market outcomes using linked samples drawn from the full count 1900, 1910 and 1940 censuses. For identification, we leverage variation in lead pipe adoption across cities and differences in the chemical properties of a town's water supply, which interact to influence the extent of lead leaching. Results show adult men with higher levels of waterborne lead exposure as children have lower incomes, worse occupations, and lower levels of completed education compared to adult men who had lower levels of waterborne lead exposure as children. In addition, men who are exposed to higher levels of waterborne lead have a significantly decreased probability of improving their income rank relative to their fathers, which is consistent with lead exposure behaving like a negative place-based shock that constrains upward mobility.

Author(s): Gisella Kagy, Dustin Frye
Presenters
GK

Gisella Kagy

Professor, University of Wisconsin

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Executive AB
  Concurrent C

10:45am CDT

C2b Improving Consumer Responsiveness to Public Health Behaviors
Public health typically views the community as the entity being served rather than an active partner in addressing threats. Yet, marketing theory suggests that membership in a brand community predisposes members to act in ways that support the brand. To date, no study has explored whether there is evidence of a public-health community with a mindset supportive of public-health objectives. Using data from 24,400 US adults, we examine evidence of a public-health mindset in the behavioral response to COVID-19. We find that consciousness of one public health threat was associated with more rapid and persistent behavioral response to another. People with an increased consciousness of food safety were more likely to respond to calls for behavioral responses to COVID-19 directly (beta: March=.150; April=.130;May=.213) and indirectly through COVID-19 concern (beta: March=.141;April=.148;May=.166). Similar results were found for environmental responsibility. Our results suggest an opportunity to build a public health mindset by expanding messaging beyond individual threats to include a focus on a shared understanding, practices, and sense of responsibility. Emphasizing this mindset, public health campaigns can foster and support a responsive community that is ready for action when new threats emerge.

Author(s): Rebekah Carnes, Dee Warmath, Janani Thapa
Presenters
RC

Rebekah Carnes

PhD Student, University of Georgia

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Executive AB
  Concurrent C

10:45am CDT

C2c Work, Family, and Happiness — Informal Care Provision and Mental Health Among Middle and Old Age Chinese Caregivers
The filial piety rooted in Chinese culture facilitates family caregiving because older adults in China prefer being looked after by their adult children instead of moving to a nursing house. Informal care provision affects not only caregiver’s employment but also their mental health. Most previous research conducted in developed countries revealed a negative effect of informal care on caregivers’ well-being.   This study examines the effect of providing informal care (IC) on caregivers' mental health in China, using the three waves of the China Health and Retirement Longitudinal Study (CHARLS). Instrument variables estimation is used to address the endogeneity associated with informal care provision. We focus on middle and old-age caregivers aged between 45 and 70. Analyses were stratified by gender and rural/urban status. The results of this study are as follows. First, this study found that providing informal care to parents-in-law will significantly increase caregivers’ mental stress, and this impact exists among rural samples. Second, taking a dual role of being employed and providing informal care will significantly increase caregivers’ mental health stress, no matter whether the care recipients are parents or parents-in-law. Third, the impact of dual roles is especially significant among females and rural residents.

Author(s): Siyi Liu, Zhuo Chen
Presenters
SL

Siyi Liu

Master student, University of Wisconsin-Madison

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Executive AB
  Concurrent C

10:45am CDT

C3 Older Adults
Moderators
JJ

Jesse Jurgenson

Assistant Professor of Practice, Texas Tech University

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Executive CD
  Concurrent C

10:45am CDT

C3a The Pandemic-Related Stimulus Payment and Financial Stress
This paper examines the association between the pandemic-related stimulus payment and financial stress. We find that those who received the stimulus payment are slightly less likely to have high financial stress than those who did not. This article contributes to the existing research by finding that payment usage matters as it relates to financial stress. Using the payment for wealth accumulation purposes, such as paying down debts or adding the payment to savings, is negatively related to financial stress. However, using payment for consumption, such as making purchases or paying bills, is not statistically significantly associated with financial stress based on this study. The findings underscore the critical role of payment usage in recipients' financial stress. We propose that financial practitioners encourage their clients to use the payment for wealth accumulation purposes instead of unnecessary consumption. To help alleviate consumers' financial stress, policymakers may consider using some favorable payout policies to reframe the stimulus payment more like a regular paycheck, assisting consumers to save.

Author(s): Yan Lu, Michael Guillemette, Chris Browning, Sonya Lutter
Presenters
YL

Yan Lu

PhD Student, Texas Tech University

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Executive CD
  Concurrent C

10:45am CDT

C3b Effects of Expanded Access to the Earned Income Tax Credit on Household Spending among Older Adults
The Earned Income Tax Credit (EITC) was temporarily expanded through the American Rescue Plan Act of 2021, allowing adults aged 65 and older to be eligible to receive the tax credit for the first time. The impacts of the additional income on spending among older adults is an important research topic that has so far received limited attention in the literature. We use data from the 2021 and 2022 Consumer Expenditure Interview Survey (CE) and imputed tax refund eligibility to examine how the EITC impacted overall spending as well as spending related to health and food. We employ a difference-in-differences approach to identify and estimate the effects of expanded EITC eligibility among older adults. Our research findings delve into whether and in what ways older adults utilized the EITC payment to potentially improve their overall well-being and health.

Author(s): Madelaine Reid L'Esperance, Madeline Reed-Jones
Presenters
avatar for Madelaine L'Esperance

Madelaine L'Esperance

Assistant Professor, University of Alabama
I am an Assistant Professor in the Department of Consumer Sciences at The University of Alabama. I am also a faculty affiliate of the Center for Financial Security at the University of Wisconsin-Madison.​My research focuses on three key areas: how youth and young adults develop... Read More →

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Executive CD
  Concurrent C

10:45am CDT

C3c Financial Hardship and Emotional Well-Being Among U.S. Older Adults With and Without Alzheimer's Disease
This study investigated the impacts of (a) financial hardship and (b) a diagnosis of Alzheimer’s disease or related dementias (ADRD) on emotional distress, and (c) whether internal coping resources, specifically mastery and optimism, mitigate emotional distress, and (d) how these associations differ by race/ethnicity among U.S. older adults. Furthermore, the present study investigated (e) how romantic relationship trajectories in later life influence emotional well-being. Analyses were based on the Health and Retirement Study (HRS), a nationally representative longitudinal data of U.S. older adults (N = 3,070). Multivariable ordinary least squares regression models predicting emotional distress were adjusted for health and sociodemographic characteristics. Results indicated that financial hardship and a diagnosis of ADRD were related to heightened emotional distress, whereas internal coping resources, both mastery and optimism, alleviated emotional distress. Compared with individuals who continuously married throughout the study period, those who were continuously never married exhibited significantly higher levels of emotional distress, whereas individuals who were divorced/separated at baseline but entered cohabiting union during the study period experienced significantly lower levels of emotional distress. Non-Hispanic Blacks and Hispanics exhibited significantly lower levels of emotional distress than non-Hispanic Whites. Moderation analyses revealed that the detrimental effect of financial hardship on emotional distress was less conspicuous among non-Hispanic Blacks and Hispanics. The adverse impact of ADRD on emotional distress was significantly more pronounced among Hispanics. Finally, the impact of optimism on emotional distress was significantly more pronounced for non-Hispanic Asian/other races, suggesting non-Hispanic Asian/other, who possessed higher levels of optimism, experienced more significant benefits in terms of mitigating emotional distress. These findings have implications for interventions aimed at improving older adults’ emotional well-being.    

Author(s): Shinae Choi
Presenters
avatar for Shinae Choi

Shinae Choi

Associate Professor, University of Alabama

Wednesday May 22, 2024 10:45am - 12:15pm CDT
Executive CD
  Concurrent C

12:15pm CDT

Lunch and "On Your Own" Time
Box lunches available 12:15-1:15 pm.
Wednesday May 22, 2024 12:15pm - 2:00pm CDT
Atrium
  Food & Beverage

12:15pm CDT

Poster Session Set Up
All poster presenters should set up their posters during this time.
Wednesday May 22, 2024 12:15pm - 2:00pm CDT
Atrium
  Poster Session

2:00pm CDT

D2 Disruptions
Moderators
JY

Jaeyong Yoo

Assistant Professor, Virginia Tech

Wednesday May 22, 2024 2:00pm - 3:30pm CDT
Executive AB
  Concurrent D

2:00pm CDT

D2a Digital Maladjustment and Mental Health: The Mediating Role of Social Relationships
This research aimed to explore the impact of digital maladjustment on individuals' mental well-being within the South Korean context, characterized by its widespread digital device use and robust internet connectivity. Using data from 525 Korean adult consumers, this study analyzed the relationship between digital maladjustment, negative mental health outcomes, and social relationship levels using SPSS Process Macro. Due to the prolonged COVID-19 pandemic, encounters with non-digital activities became nearly limited, emphasizing the critical role of digital adjustment. As the research highlighted the direct effects of digital maladjustment on bad mental health problem, this study implicated the need for improved digital inclusion strategies and interventions. With the ongoing digital transition, this study calls attention to the critical role of digital adaptation in shaping individuals' mental health and overall quality of life in contemporary society.

Author(s): Soyeong Choi, Yu Lim Lee, Hyesun Hwang, Soo Hyun Cho, Hyein Chang, Jibum Kim, Tae-Young Pak
Presenters
SC

Soyeong Choi

PhD Student, Sungkyunkwan University

Wednesday May 22, 2024 2:00pm - 3:30pm CDT
Executive AB
  Concurrent D

2:00pm CDT

D2b Housing Instability as a Risk Factor for Increased Adverse Childhood Experiences
Numerous studies have investigated the link between Adverse Childhood Experiences (ACEs) and developmental delays and behavior problems in children, and poor health outcomes in adults. This study aims to examine the relationship between housing instability and the likelihood of children experiencing Adverse Childhood Experiences (ACEs).

Author(s): Jaeyong Yoo, Satya Fisher
Presenters
JY

Jaeyong Yoo

Assistant Professor, Virginia Tech

Wednesday May 22, 2024 2:00pm - 3:30pm CDT
Executive AB
  Concurrent D

2:00pm CDT

D2c Trust in Institutions and Financial Well-Being in Mexico: Moderating Effect of Fraud Victimization
Fraud victims experience physical, material, and emotional effects that undermine their confidence in their financial skills, weaken their trust in institutions, and deteriorate their well-being. This study aims to analyze the effect of financial fraud victimization on the relationship between trust in institutions and the financial well-being of consumers in Mexico. To this end, several multiple linear regression models are constructed, half including financial fraud victimization as a moderating factor. Results confirm that trust in financial institutions is essential for maintaining and increasing financial well-being. In general, financial fraud negatively impacts financial well-being; this is true for identity theft, Ponzi schemes, and fake prizes, but not for card cloning. On the one hand, frauds such as Ponzi schemes significantly deteriorate the effect of trust on financial well-being. This type of fraud is the most damaging regarding trust and other subjective outcomes. On the other hand, while identity theft and fake prizes also affect this relationship, results suggest that the effect of trust on financial well-being increases. This research contributes to the knowledge of financial well-being, trust in institutions, and fraud victimization. Its results are helpful for policymakers and institutions seeking to protect financial consumers.

Author(s): Osvaldo García-Mata
Presenters
OG

Osvaldo García-Mata

Doctor, Universidad Autónoma de Tamaulipas

Wednesday May 22, 2024 2:00pm - 3:30pm CDT
Executive AB
  Concurrent D

2:00pm CDT

D3 Supporting Consumers With Disabilities
Moderators
avatar for Lisa Engel

Lisa Engel

Associate Professor, University of Manitoba
Dr. Lisa Engel (PhD, MSc OS/OT, OT Reg. (MB)) is a registered Occupational Therapist and an Associate Professor at the University of Manitoba (Department of Occupational Therapy, College of Rehabilitation Sciences; Winnipeg, Manitoba, Canada). Her current program of research, which... Read More →

Wednesday May 22, 2024 2:00pm - 3:30pm CDT
Executive CD
  Concurrent D

2:00pm CDT

D3b The Financial Health of People With Disabilities: Key Obstacles and Opportunities
There are more than 40 million people with disabilities in the United States. Despite their ubiquity, people with disabilities are frequently marginalized, with profound implications for their physical, social, mental, and economic well-being. Our paper focuses on the financial health of people with disabilities, leveraging a holistic concept of financial well-being that encompasses one’s ability to meet day-to-day expenses, weather financial shocks, and plan for the future. Our findings demonstrate that barriers to participation in the workforce, financial exclusion, and safety net constraints may be undermining the financial health of people with disabilities and identifies opportunities to foster greater equity and financial well-being for this community. Data for the analyses come from three sources: a nationally representative survey, a survey representative of people with disabilities in the U.S., and 10 in-depth interviews of people with disabilities.

Author(s):  Andrew Warren, Wanjira Chege, Meghan Greene, Lisa Berdie
Presenters
AW

Andrew Warren

Senior Associate, Financial Health Network

Wednesday May 22, 2024 2:00pm - 3:30pm CDT
Executive CD
  Concurrent D

2:00pm CDT

D3c Work Credit Accumulation & Social Security Disability Insurance (SSDI) Eligibility Among Young Adults
Social Security Disability Insurance (SSDI) protects workers against disability-related income losses. Disability is prevalent in young adulthood, with 26.4% of adults with disabilities aged 18-39. SSDI eligibility, which requires credits based on age and work history, may not be suitable for those with multiple work disruptions, especially during young adulthood, when experiences like post-secondary education and transition-to-parenthood may delay/limit work history. Little is known about eligibility disparities among 18-34-year-olds. Using the PSID (2005-2018), this study descriptively estimates the proportion of young adults meeting SSDI work-credit eligibility at each age by sex, race/ethnicity, education, marital status, and first transition-into-parenthood. Preliminary findings indicate that SSDI eligibility peaked at only 75% for both men and women. Then with random effect models I examine the likelihood of eligibility across characteristics while controlling for covariates. These results demonstrate the SSDI’s potential limitations for young adults and how the SSDI's eligibility rules may better support workers.

Author(s): Somalis Chy
Presenters
SC

Somalis Chy

PhD Candidate, University of Wisconsin-Madison

Wednesday May 22, 2024 2:00pm - 3:30pm CDT
Executive CD
  Concurrent D

3:30pm CDT

Break
Wednesday May 22, 2024 3:30pm - 3:45pm CDT
Atrium

3:45pm CDT

E1 Financial Education
Moderators
avatar for MJ Kabaci

MJ Kabaci

Assistant Professor, Montana State University
M.J. Kabaci is assistant professor in the Family Financial Planning master’s program at Montana State University. She teaches online courses in the Family Financial Planning master’s program as part of the Great Plains Interactive Distance Education Alliance.  Her interest in... Read More →

Wednesday May 22, 2024 3:45pm - 5:15pm CDT
Milwaukee
  Concurrent E

3:45pm CDT

E1b Financial Education via Different Media: A Comparative Analysis of Face-to-Face Classes, Live Streaming, Videos, and Gaming
This study compares the effectiveness of a financial education program delivered via different media (face-to-face class, live streaming, pre-recorded video, educational games). Using an RCT methodology, it test the chance delivery financial education programs via different media, preserving the effectives of the program, and it compares different delivery option assessing the differences in the learning outcome between different media. Preliminary results suggest that some differences exist delivering contents via different media, but all the tested options are effective in increasing people financial knowledge.

Author(s): Gianni Nicolini, Marlene Haupt
Presenters
avatar for Gianni Nicolini

Gianni Nicolini

Professor, University of Rome Tor Vergata
I am an Associate Professor of Finance from the University of Rome (Italy) and my main research interests are on consumer finance, financial literacy, and financial education.

Wednesday May 22, 2024 3:45pm - 5:15pm CDT
Milwaukee
  Concurrent E

3:45pm CDT

E1c Financial Knowledge, Financial Behaviors, and Pandemic Resilience: A Study in Latin America Amidst the COVID-19 Period
Governments worldwide conceive financial education as a crucial tool for enhancing the financial well-being of families. However, the relationship between financial knowledge and financial behaviors remains inconclusive, particularly in developing countries where a limited number of studies have explored this connection. This study employed a subjective and an objective measure of financial knowledge and assessed 16 financial behaviors of participants from Argentina, Colombia, Ecuador, Mexico, and Peru. Out of these 16 financial behaviors, 14 have a relationship with at least one of the two measures. This study found positive correlations between financial knowledge and various financial behaviors, including planning behaviors, acquisition of formal financial products, willingness to assume risks, seeking financial advice, and cautious management of their financial products. The identification of causal relationships proved challenging and often yield inconclusive results due to identified endogeneity issues and the presence of weak instruments. In general, during the COVID-19 period, participants displayed increased prudence in their financial practices and managing their products. This relationship was stronger among participants with higher levels of objective financial knowledge.

Author(s): Juan Sandoval, Maria Collazos, Julio Sarmiento, Edgardo Cayon
Presenters
avatar for Juan Sandoval

Juan Sandoval

PhD Student, University of Georgia

Wednesday May 22, 2024 3:45pm - 5:15pm CDT
Milwaukee
  Concurrent E

3:45pm CDT

E2 Planning for the Future
Moderators
QK

Wednesday May 22, 2024 3:45pm - 5:15pm CDT
Executive AB
  Concurrent E

3:45pm CDT

E2a Crypto Today, Crypto Tomorrow? Examining the Role of Peer Influence, Investment Confidence, and Risk Perceptions
As blockchain technology gains increasing popularity, several states are leading the way in incorporating this emerging trend into the investment market, including embracing widespread integration of cryptocurrency and related innovations. This study seeks to investigate the factors that have been emphasized in the existing theory and previous literature on financial behaviors and behavioral intentions and to extend this examination to cryptocurrency investment. We will focus our investigation on key variables of interest, namely, the influence of peers, investment confidence, and perceptions of risk associated with cryptocurrencies.

Author(s): Yu Zhang, Khurram Navved, Jia Qi
Presenters
KN

Khurram Naveed

PHD Student, Kansas State University

Wednesday May 22, 2024 3:45pm - 5:15pm CDT
Executive AB
  Concurrent E

3:45pm CDT

E2b Examining the Concept, Measurement and Determinants of Emergency Savings
Widespread consensus exists on the importance of emergency savings – funds set aside for unexpected expenses or declines in income – to protect themselves against economic hardship. Yet, no definition exists on what constitutes adequate emergency savings. This article reviews commonly used measures of emergency savings across five publicly available surveys to understand how different measures yield different estimates of U.S. households with emergency savings. We discuss conceptual tensions in measures of emergency savings and find that, empirically, the portion of households with emergency savings is low across differing measures. Disaggregated by household characteristics, households with emergency savings differ based on race/ethnicity, household income, employment, and age. Emergency savings is highly correlated with financial inclusion. Some of these characteristics persist even after a regression-based adjustment for household characteristics. We suggest several workplace emergency savings programs that enhance financial wellbeing of households with below median income; households headed by non-white adults, particularly African American and Hispanics; and households headed by disabled adults.

Author(s): Katie Fitzpatrick, Manita Rao
Presenters
KF

Katie Fitzpatrick

University of Wisconsin-Madison, University of Wisconsin-Madison

Wednesday May 22, 2024 3:45pm - 5:15pm CDT
Executive AB
  Concurrent E

3:45pm CDT

E2c Financial Sophistication of Single Women and Retirement Planning
This paper examines the association between retirement planning and financial literacy of single women who have yet to retire. The results show that women who are single, separated, divorced, or widowed women are less likely to engage in retirement planning compared to married women, which is consistent with the hypothesis and existing studies on this topic. The study also finds that financially literate women are more likely to engage in retirement planning than those who are financially illiterate. The results of this study imply the need for financial planners and employers to educate and support single women regarding their retirement planning.

Author(s): Tapiwa Sigauke, Chris Browning, Charlene Kalenkoski
Presenters
TS

Tapiwa Sigauke

Teaching Assistant Professor, University of Illinois Urbana-Champaign

Wednesday May 22, 2024 3:45pm - 5:15pm CDT
Executive AB
  Concurrent E

3:45pm CDT

E3 Symposium: Navigating the Future: AI’s Role in Education, Ethics, and Financial Planning
In this thought-provoking session, industry experts discuss the exciting and rapidly evolving world of artificial intelligence (AI) and its impact on education, ethics, and the financial planning profession. The speakers will explore how AI is revolutionizing teaching methodologies in the classroom, offering insights into the latest developments and trends in educational technology. They will also discuss how AI is reshaping the landscape of financial planning practices, providing valuable insights for professionals in the field. Ethical and legal considerations surrounding AI are prevalent, and issues such as privacy, consent, and discrimination will be covered, too. Attendees are sure to walk away with a deeper understanding of advancements in the field and how consumer interests will be impacted.
Speakers
EL

Eric Ludwig

Director, Center for Retirement, The American College of Financial Services
MG

Matt Goren

PVP - Financial Education, Dalton Education
SD

Sophia Duffy

Associate Professor, The American College of Financial Services

Wednesday May 22, 2024 3:45pm - 5:15pm CDT
Executive CD
  Concurrent E

5:15pm CDT

100 Poster Session & Reception
Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

5:15pm CDT

P101 Change of Psychological Factors on Credit Card Payment Behavior Pre-, During-, and Post-COVID-19
 This paper would like to examine how financial related psychological factors such as financial stress, locus of control, financial risk tolerance reacts to responsible credit card payment behavior in pre-, during-, and post pandemic. Financial consumers can understand how their financial behavior changes in times of COVID-19 and think about how to contribute positively to the financial well-being of themselves and their families. Furthermore, this study will suggest that responsible financial behavior is needed even when unexpected crises such as COVID-19.

Author(s): Hye Jun Park, Wookjae Heo, Jae Min Lee
Presenters
HJ

Hye Jun Park

PhD Student, Purdue University

Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

5:15pm CDT

P102 Consumer Saving Behavior: A Multiclassification Approach
Using the 2022 Survey of Consumer Finances, this research explores the relationship between savings for emergency, financial, and demographic variables. An essential factor for a family’s financial well-being is the ability to cover unexpected expenses, such as a car or furnace repair, or something even more financially challenging, such as a job loss. (Copeland, 2019). In practice, it is recommended that an individual has at least three months of income in savings in case of emergency. Savings are essential for consumers to pursue long-term financial and overall well-being (Van Praag & Frijters, 2003). To better understand emergency saving behavior, we created an outcome variable that indicates whether the person has at least three months of income in savings. Overall, saving behavior is influenced by many factors. A range of personal and household characteristics, including familial, economic conditions, and financial knowledge, contribute to the likelihood of saving and having financial assets (Babiarz & Robb, 2014; Gjertson, 2016). We use a variety of supervised learning statistical techniques for classification, such as logistic regression, random forest, and support vector machines, to estimate and tune the parameters of our classification model.

Author(s): Jose-Francisco Diaz-Valenzuela, Camden Cusumano
Presenters
CC

Camden Cusumano

PhD Candidate, University of Georgia

Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

5:15pm CDT

P103 Development of a Digital Pocket Money Book for Elementary School Students in Japan to Plan for What and How Much in Advance
Money can be used in some ways, but Japanese piggy bank, single slot, made of porcelain, discourages children from spending money because it needs to be broken to spend money. On the other hand, Money Savvy Pig developed by Money Savvy Generation has four slots, and is transparent, so it causes little psychological resistance to take out money from piggy bank. In order to become wise consumers who can spend their money both for individual and for society, it is imperative to cultivate qualities and abilities using four slots’ piggy bank. This experiment was done during summer vacation, and participants was sixth-grade students at an elementary school. When students receive an allowance from their parents, they were requested to plan in advance for what and how much they would use, and to write it down each time. It was free to change for what and how much every week, but there were not so many cases they did. We could see some cases to use their money for others, and there was one case who selected and bought stocks for the first time, but in general, no new activity was identified.

Author(s): Keiko Takahashi, Seki Shintaro, Inose Takenori
Presenters
avatar for Keiko Takahashi

Keiko Takahashi

Professor, Jissen Women's University

Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

5:15pm CDT

P104 Factors That Improve the Propensity for African Americans to Have an Emergency Savings Fund: A Subgroup Comparison
Factors leading to the propensity to save is known when considering the general population. However, in other to better serve sub ethnic groups, it is important to know the factors that improves the propensity to have an emergency savings fund. This paper investigates the factors that leads to emergency fund savings across the ethnic groups with a special focus on African Americans.

Author(s): Ohireime Ojeomogha
Presenters
OO

Ohireime Ojeomogha

Teaching Assistant, Texas Tech University

Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

5:15pm CDT

P105 Improving Financial Literacy Education for College Students: The Flywheel Effect!
Based on a survey of almost 300 first year college students it is evident that many lack basic financial literacy knowledge and capability. This research project seeks to identify and test ways that more effectively teach basic financial literacy skills to college students. The flywheel effect is discussed and incorporated into various parts of financial literacy education. As part of this project, a follow-up survey tool will be developed to assess the effectiveness of interventions proposed in this study.

Author(s): Jacob Tenney
Presenters
avatar for Jacob Tenney

Jacob Tenney

Assistant Professor and Director of Financial Planning, University of Charleston
I am the Director of Financial Planning at the University of Charleston in Charleston, West Virginia. My interests include Financial Literacy, Horticulture, Reading, and hanging out with my children.

Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

5:15pm CDT

P106 Inter-Sectoral Mobility, Income Change and Gender Difference of Agricultural Laborers
Increasing income among rural workers may help reduce poverty, especially in emerging economies. This study examines factors associated with decisions of inter-sectoral mobility of agricultural laborers and income changes after they move from agriculture to manufacturing or service sectors. Using multiple waves of data from the China Family Panel Studies in 2014 - 2020, we employ multinomial logit and Ordinary Least Squares (OLS) regression models, finding that both forms of mobility help alleviate rural poverty and farm-manufacturing mobility results in a higher income increase (7,847 yuan) compared to farm-service mobility (5,106.474 yuan). In contrast to females, males are more likely to find manufacturing jobs thus have more income increase. Education attainment, training, social capital, and internet usage show positive effects on inter-sectoral mobility, while children have negative effects on inter-sectoral mobility especially for rural women looking for service jobs. To deal with the selection bias, we employ a treatment effect model in robustness analysis and confirm previous findings. Our conclusions provide agricultural laborers with relevant economic information on how to make better inter-sectoral mobility decisions, and indicate the gender wage gap and gender difference based on family duty. This research also has public policy implications for improving the economic wellbeing of rural laborers.

Author(s): Ting An, JingJian Xiao, Nilton Porto
Presenters
TA

Ting An

Visiting Scholar, University of Rhode Island

Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

5:15pm CDT

P107 Revisiting the Social Media as a Tool for Behavioral Change for Sustainable Consumption
This study examines the influence of sustainable consumption content experience through social media on sustainable consumption behavior of individuals in their 20s and 30s. It also confirms the influence of content experience on sustainable consumption behavior through sustainable consumption attitudes. Sustainable consumption content experience, sustainable consumption attitudes, and sustainable consumption behaviors were measured through an online survey of 400 men and women in their 20s and 30s who use at least one social media. Based on these findings, it was confirmed that social media can serve as an effective platform for promoting sustainable consumption and reinforcing sustainable consumption attitudes and behaviors. This study supports the idea that simply browsing sustainable consumption on social media can promote sustainable consumption, and suggests the active production of sustainable consumption content on these platforms. In addition, we suggest that by understanding the characteristics of each type of social media, more effective sustainable consumption content production and dissemination strategies can be developed.

Author(s): Yuhyeon Seo, Eunsil Hong, Jiyeon Son
Presenters
YS

Yuhyeon Seo

Doctoral student, Chonnam National University

Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

5:15pm CDT

P108 Service Literacy as a Component of Successful Life Orchestration in a Modern World
After COVID-19, the service sector has expanded significantly, accelerating the Service Economy. Recently, services ranging from meal kits, grocery shopping, schedule management, to OTT, work tools, and AI services have become integral to various aspects of daily life. For some, these services are a lifesaver, promoting greater well-being in a variety of ways. For others, services turn out to be a waste of time and money. There is an assumption that consumers are capable of seeking, using, and evaluating services to maximize the benefit or well-being achieved through the selected services. However, it's challenging to find academic indicators that capture this phenomenon. We argue that service literacy is an important construct in a consumer’s ability to search for, select and use services in ways that promote greater well-being. We further argue that service literacy is an important reason that a consumer’s use of services leads to well-being. In this study, we develop and validate a measure of service literacy and then explore its mediating role in the relationship between use of services and well-being.

Author(s): Juha Lee, Dee Warmath
Presenters
JL

Juha Lee

PhD Student, University of Georgia

Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

5:15pm CDT

P109 The Civic Mindset as a Resource for Community Coalitions
Cooperative Extension is involved in many community initiatives designed to improve well-being, often funded by grants. Typically, the grant report is due before program effects are measurable. The challenge was to find changes that preceded these outcomes. One such change was mindset, i.e., the collection of values, aspirations, traits, and motivations that guide life decisions and actions. Measuring the presence of mindsets supportive of intended program outcomes would provide a reasonable case for the probability of ultimate outcomes. Using data from an online survey of 306 US adults ages 18 to 76 residing in a rural county, we applied the Quantitative Empathy methodology to discover existing mindsets and to develop a “typing tool” to assess the presence of each mindset in a given community. Using a set of defining characteristics discovered through our analysis, seven mindsets were identified: The Drop In, The Independent Wanderer, The Detached Resident, The Community Enforcer, The Community Leader, The Dedicated Doer, and The Resourceful Loner. These mindsets that were validated through an exercise with Cooperative Extension agents working in the counties exhibit important differences in civic engagement that are likely to support predictions of probable program effects.

Author(s): Camryn Cobb, Rebekah Carnes, Dee Warmath
Presenters
CC

Camryn Cobb

PhD Candidate, University of Georgia

Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

5:15pm CDT

P11 A Tale of Two Crypto Users: Demographic and Financial Differences in Cryptocurrency Usage
FINRA / ACCI Undergraduate Student Poster Competition Winner

This study investigates the demographic profiles and financial behaviors of cryptocurrency users who utilize cryptocurrencies for non-investment purposes. Using data from The Federal Reserve's 2022 Survey on Household Economics and Decision-making, the study focuses on 1107 participants who reported owning cryptocurrency in the past year. Respondents were categorized into 'non-investing users' and 'invest-only users' based on their crypto usage patterns. Descriptive statistics reveal distinct demographic disparities between the two groups. While 65% of invest-only users are white, only 39% of non-investing users identify as white. Conversely, non-white individuals, mainly Black and Hispanic respondents, are more prevalent among non-investing users. Furthermore, more invest-only users possess at least a bachelor's degree than non-investing users. Chi-squared tests uncover significant associations between crypto usage patterns, financial comfort, and savings account ownership. Multivariate analyses highlight the influence of education and banking access on crypto usage patterns, with non-white individuals less likely to exclusively invest in crypto. Overall, non-investing crypto users exhibit lower levels of financial comfort and are more inclined to forego traditional banking services, indicating a potential reliance on cryptocurrencies as an alternative financial avenue. These findings underscore the need for further research into the motivations behind non-investment crypto usage and its implications for consumer behavior and regulatory frameworks. Understanding these dynamics is crucial for anticipating future trends and adapting policies to accommodate the evolving landscape of cryptocurrency usage.

Author(s): Ryan Witz
Presenters
RW

Ryan Witz

Student, University of Wisconsin-Madison

Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

5:15pm CDT

P110 The Effect of Digital Transactional Competency on Consumption Life Satisfaction Among Older Consumers
The acceleration of digital transformation across businesses and society is making older consumers vulnerable in the consumer market. This study examined the effect of digital transactional competency of older consumers on consumer life satisfaction. Further, this study explored the moderating role of digital transaction efficacy on this relationship. Using data from the 2022 Consumer Competency Index, administered by the Korea Consumer Agency, we analyzed the sample aged 60 years and older. The findings reaffirmed that digital transactional competencies (in both knowledge and practice domains) and efficacy were positively related to consumption life satisfaction among older consumers. Furthermore, digital transactional efficacy only moderated the relationship between digital transaction competency and consumption life satisfaction, in the knowledge domain. Policy and educational efforts to increase older consumers’ self-confidence through experiential learning in digital environments are called for.

Author(s): Mina Yu, Soo Hyun Cho
Presenters
avatar for Soo Hyun Cho

Soo Hyun Cho

Associate Professor, California State University, Long Beach

Wednesday May 22, 2024 5:15pm - 6:15pm CDT
Atrium
  Poster Session

6:15pm CDT

Poster Removal
All poster presenters should remove their posters during this time.
Wednesday May 22, 2024 6:15pm - 7:00pm CDT
Atrium
  Poster Session

6:30pm CDT

Editors & Associate Editor's Dinner (Invitation Only)
Wednesday May 22, 2024 6:30pm - 7:45pm CDT
TBA
  Food & Beverage

6:30pm CDT

Past President's Dinner (Invitation Only)
Wednesday May 22, 2024 6:30pm - 7:45pm CDT
TBA
  Food & Beverage
 
Thursday, May 23
 

7:00am CDT

Breakfast
Thursday May 23, 2024 7:00am - 8:00am CDT
Atrium
  Food & Beverage

8:00am CDT

F1 COVID
Moderators
avatar for Kyoung Tae Kim

Kyoung Tae Kim

Associate Professor, University of Alabama

Thursday May 23, 2024 8:00am - 9:30am CDT
Milwaukee
  Concurrent F

8:00am CDT

F1a Elaborating on the Relationship Between Financial Self-Efficacy and Life satisfaction; the Mediating Role of Financial Stability
This study investigates the relationship between variables of financial well-being and overall life satisfaction during the COVID-19 pandemic. Specifically, the study investigated the relationship between financial self-efficacy, financial stability, and life satisfaction. In this study, a mediation analysis was conducted using a Hayes Process Model 4. The unique data consists of 3,570 responses from predominately low- to moderate-income families and people of color. The survey data was collected online via Qualtrics from November 17 – December 15, 2021. The results show that financial stability partially mediates the relationship between financial self-efficacy and life satisfaction.

Author(s): Joshua Diaz, Soo Hyun Cho
Presenters
JD

Joshua Diaz

student assistant, California State University of Long Beach

Thursday May 23, 2024 8:00am - 9:30am CDT
Milwaukee
  Concurrent F

8:00am CDT

F1b Pandemic and ESG: A New Paradigm for Investment Decisions
The COVID-19 pandemic has prompted consumers to place a greater emphasis on values associated with environmental, social, and corporate governance issues, commonly known as ESG. Given the increasing importance of ESG in the post-pandemic financial market, this research examined the relationship between the importance of ESG to retail investors and their investment behaviors during the pandemic, using the 2021 National Financial Capability Study (NFCS) dataset. We identified who was more likely to start investing in non-retirement investment accounts, who was more likely to open a new non-retirement investment account, and who was more likely to trade more frequently than before the pandemic, by focusing on the effects of individuals' investment knowledge and risk tolerance, in addition to the importance of ESG. 22% started investing in non-retirement accounts, 54% opened new accounts, and 47% traded more frequently than before. The importance of ESG, investment knowledge, and risk tolerance were significantly related to the increase in investment behaviors during the pandemic. This study would enhance our understanding of individual investors' engagement with ESG investing in the post-pandemic era. This will contribute to consumer welfare by enabling financial practitioners to provide more effective financial advice based on a better understanding of client psychology.

Author(s): Juhui Ko, Kyoung Tae Kim
Presenters
JK

Juhui Ko

PhD Student, The Ohio State University

Thursday May 23, 2024 8:00am - 9:30am CDT
Milwaukee
  Concurrent F

8:00am CDT

F2 Consumption
Moderators
avatar for Jacob Tenney

Jacob Tenney

Assistant Professor and Director of Financial Planning, University of Charleston
I am the Director of Financial Planning at the University of Charleston in Charleston, West Virginia. My interests include Financial Literacy, Horticulture, Reading, and hanging out with my children.

Thursday May 23, 2024 8:00am - 9:30am CDT
Executive AB
  Concurrent F

8:00am CDT

F2a How Commission Rates Affect Consumers' Willingness to Pay for Online Food Delivery
Third-party-operated food order and delivery services became more popular during the COVID-19 pandemic because of the need for social distancing. Many small food service businesses rely on third-party services, such as Uber Eats and DoorDash, to receive online orders and offer delivery because they do not have the ability to provide these services. However, these services come with a cost. Both consumers and food service businesses need to pay for the services. In many cases, consumers have no knowledge about the service fee paid by the food services to the third party. This study examines how the information related to the commission paid by the food service providers to the third party affects consumers' willingness to pay for food delivery. A choice experiment was conducted online. In the experiment, consumers were randomly assigned to a control or treatment, which gave different information about the commission rates. A mixed logit model was used for data analysis. The results show knowing the commission rates charged to the food service by the third party affects consumers' willingness to pay for online food orders.

Author(s): Ye Su, Jasper Grashuis
Presenters
YS

Ye Su

Assistant Professor, Lincoln University of Missouri

Thursday May 23, 2024 8:00am - 9:30am CDT
Executive AB
  Concurrent F

8:00am CDT

F2b How Do Individuals Keep Tabs on Personal Spending?
Understanding how individuals monitor their expenses is crucial for promoting financial goal achievement and well-being. However, research on expense-tracking is primarily confined to mental budgeting literature, with limited empirical evidence on tracking patterns. This paper combines subjective behavioral data from a self-designed survey with objective behavioral data from the administrative-level user data from a Chinese financial app to examine the motivations, methods, and timing of expense-tracking practices and their impact on financial outcomes. Its findings reveal how people engage in expense-tracking behavior and carry some policy implications for current financial education.

Author(s): Yiling Zhang
Presenters
YZ

Yiling Zhang

Student, University of Wisconsin-Madison
I am a fourth-year Ph.D. student in Consumer Behavior and Family Economics Program at UW-Madison. I am interested in research regarding consumer financial decision-making and financial wellbeing.

Thursday May 23, 2024 8:00am - 9:30am CDT
Executive AB
  Concurrent F

8:00am CDT

F2c The Dual-Process Theory of Consumer Decision-Making: Unraveling the Dynamics of Consumption Happiness
Richard L. D. Morse Applied Consumer Economics Award (Professional) Paper Award Winner

This study applies the Dual Process Theory to consumer purchase decision-making to broaden the understanding of how consumers experience product purchasing through both analytical and intuitive thinking styles. Moreover, it aims to shed light on the consumer happiness derived from both analytical and intuitive consumption, moving beyond the traditional view that deems only analytical, rational consumption as desirable. This study emphasizes the need for a balanced consumer engagement approach, valuing both analytical and emotional purchase aspects. The insights encourage more empathetic business practices and policies that focus on consumer happiness, paving the way for further research in consumer behavior dynamics.

Author(s): Jaehye Suk
Presenters
JS

Jaehye Suk

Research Professor, Sungkyunkwan University

Thursday May 23, 2024 8:00am - 9:30am CDT
Executive AB
  Concurrent F

8:00am CDT

F3 Panel: Data Sources in Household Finance
Policy relevant research requires high-quality data that can be generalized to the population of interest.  While data collection options continue to evolve and more feasible means of independent data collection are now affordable, large-scale federal and philanthropic data sources remain the gold standard.  This panel will pull together researchers from three federal agencies and two philanthropic organizations that provide publicly available data sources in household finance.
Moderators
SM

Sangeetha Malaiyandi

Researcher, CFPB

Speakers
AF

Angela Fontes

VP of Policy and Research, Financial Health Network
avatar for Geoffrey Paulin

Geoffrey Paulin

Senior Economist, Bureau of Labor Statistics
Geoffrey Paulin, Ph.D., is a Senior Economist in the Bureau of Labor Statistics Consumer Expenditure Surveys (CE) program. He has written numerous articles using various aspects of the CE data, which have been published in periodicals such as  Journal of Consumer Affairs, for which... Read More →
JL

Jeff Larrimore

Section Chief, Federal Reserve Board
JW

Jeffrey Weinstein

Senior Financial Economist, Federal Deposit Insurance Corporation
OV

Olivia Valdes

Senior Researcher, FINRA Investor Education Foundation

Thursday May 23, 2024 8:00am - 9:30am CDT
Executive CD
  Concurrent F

9:30am CDT

Break
Thursday May 23, 2024 9:30am - 9:45am CDT
Atrium

9:45am CDT

G1 Housing
Moderators
avatar for Irene Leech

Irene Leech

Associate Professor, Virginia Tech
I teach consumer studies and advise undergraduate students at Virginia Tech. Earlier in my career I worked in Cooperative Extension for about 15 years. I have been a member of ACCI for over 30 years and was President of ACCI, 2016-17. I'm also active in the Consumer Federation of... Read More →

Thursday May 23, 2024 9:45am - 11:15am CDT
Milwaukee
  Concurrent G

9:45am CDT

G1a Does Flood Insurance Help Neighborhoods Recover From Flooding?
This study investigates the impact of flood insurance on neighborhood recovery following flooding events. Utilizing a shift-share instrumental variable approach, we assess the influence of flood insurance claims on housing prices in the aftermath of Hurricane Harvey in the Houston area. Our analysis reveals that flood insurance claims at the census-tract level have a significant protective effect on housing prices. Specifically, we find that while the median homeowner in affected tracts experiences a 2.4\% decrease in housing values after a flood, homeowners in neighborhoods at the 75th percentile of flood insurance claims see no such decrease. Additionally, we observe substantial positive spillover effects of flood insurance claims on the prices of nearby uninsured homes. We further explore potential mechanisms driving these outcomes and uncover suggestive evidence that post-Harvey homes listed for sale in well-insured tracts are less likely to be foreclosed properties, more likely to have done home remodeling, and tend to command higher listing prices. Notably, our analysis of housing supply and demand metrics does not indicate significant market condition shifts in more insured tracts.

Author(s): Sebastien Box-Couillard, Yilan Xu
Presenters
avatar for Yilan Xu

Yilan Xu

Associate Professor, University of Illinois at Urbana-Champaign

Thursday May 23, 2024 9:45am - 11:15am CDT
Milwaukee
  Concurrent G

9:45am CDT

G1c Weathering Setbacks: Natural Disasters, Residential Insurance Coverage, and Financial Health
Natural disasters pose a risk to Americans' financial health. For instance, the costs of repairing or replacing property or belongings damaged or destroyed in a natural disaster can be difficult to manage. Although homeowner’s or renter’s insurance can offer some protection, not all Americans carry residential insurance. The existing literature has identified consumer preferences, awareness of risks, cost-related barriers, and accessibility of insurance products as potential factors influencing the uptake of residential insurance products, but there has been little investigation into how the risk of natural disaster-related losses influences residential insurance coverage. Leveraging data from the nationally-representative 2021 Financial Health Pulse survey data linked to state-level FEMA records of natural disaster-related losses, this study finds that Americans living in states with higher than average natural disaster losses less frequently carried renters or homeowners insurance. This reflects the disproportionate share of renters in high-loss states and the lower rates of insurance ownership among homeowners. We find evidence that the cost of insurance is a barrier for residents in high-loss states. We conclude with recommendations for policymakers and industry audiences and hypotheses for future research to test.

Author(s): Kennan Cepa, Wanjira Chege, Angela Fontes
Presenters
PC

Purity Chege

Associate, Policy & Research, Financial Health Network

Thursday May 23, 2024 9:45am - 11:15am CDT
Milwaukee
  Concurrent G

9:45am CDT

G2 Generations
Moderators
TA

Ting An

Visiting Scholar, University of Rhode Island

Thursday May 23, 2024 9:45am - 11:15am CDT
Executive AB
  Concurrent G

9:45am CDT

G2a A Multi-Generational, Mixed-Method Analysis of Parent Financial Socialization
The purpose of this study is to better understand parent financial socialization processes and outcomes, with the ultimate goal of improving financial behaviors and financial wellbeing. With both qualitative and quantitative methodologies, we utilized reports from multiple generations from the same family (i.e., emerging adult, parent, and grandparent for qualitative; adolescent and parent for quantitative). From the preliminary qualitative results, we saw similar reports of parent-child financial discussion across all three generations of a family. By examining five families through a multi-generational lens, we gained a clearer picture of how financial socialization is not isolated to a parent-child dyad but flows continuously from generation to generation, with grandparents indirectly affecting the financial socialization (and subsequent financial outcomes) of their grandchildren. From the quantitative results, we conclude that Gudmunson and Danes’ family financial socialization theoretical model may not fully explain parent financial socialization processes and outcomes during adolescence. As researchers better understand parent financial socialization across generations, practitioners, educators, and policy makers will be better able to help parents improve this socialization, thus improving the financial behavior and wellbeing of young people.

Author(s): Ashley LeBaron-Black, Sofia Suxo-Sanchez, Loren Marks, Adam Rogers
Presenters
avatar for Ashley LeBaron-Black

Ashley LeBaron-Black

Assistant Professor, Brigham Young University
Hi! I'm an Assistant Professor of Family Life at Brigham Young University in Provo, Utah. My research focus is family finance, including finances in couple relationships, parent financial socialization, and financial well-being in emerging adulthood. I teach family theory (at the... Read More →

Thursday May 23, 2024 9:45am - 11:15am CDT
Executive AB
  Concurrent G

9:45am CDT

G2b Childcare Costs, Public Support, and Maternal Employment in the U.S.
The study employs a multi-level dataset, combining the National Longitudinal Survey of Youth 1997 (NLSY97) with restricted geocode files, the National Database of Childcare Prices (NDCP, 2008-2018), and state-level childcare policy data, to examine how variations in childcare contexts influence maternal employment in the U.S. Unlike prior research, which has largely focused on state-level childcare prices, this study accounts for local variations by linking individuals’ locations with county-level childcare prices and state-level childcare policies. Utilizing an event history approach with individual fixed effects, the study identifies changes in individual women’s employment status around the "event" of transitioning to motherhood. Results suggest that local childcare prices and state-level policies have varying impacts on maternal employment, particularly across educational levels. The research provides a nuanced, geographically informed analysis, aiming to pinpoint county-level variations that contribute to inequalities in mothers’ labor supply. The findings intend to inform childcare and family policies with the ultimate objectives of encouraging maternal employment, reducing gender disparities in the labor market, and enhancing the well-being of women from various sociodemographic backgrounds.

Author(s): Xiangchen Liu
Presenters
XL

Xiangchen Liu

Student, University of Wisconsin-Madison

Thursday May 23, 2024 9:45am - 11:15am CDT
Executive AB
  Concurrent G

9:45am CDT

G2c Financial Wellbeing in America: The Role of Intergenerational Wealth
Intergenerational wealth transfers could have positive effects on people’s perception of financial security, and the frequency and impact of the transfer could vary with age. This study examined the associations between family wealth transfers and the financial wellbeing of Americans by age group using the National Financial Capability Study (NFCS) dataset. Among the analytic sample, less than one-third of respondents reported having received or anticipated any kind of intergenerational transfer. Regression analysis indicates that in general, individuals with expectations of inheritance reported greater financial satisfaction and well-being. Individuals who received gifts had lower financial wellbeing but higher financial satisfaction, and those who had their expenses covered by their parents or grandparents had poorer financial wellbeing. The magnitude of the associations also varied with generation. This study provides important insights into the associations between different types of wealth transfers and one’s perceived financial wellbeing.

Author(s): Sunwoo Lee, Kyoung Tae Kim, Olivia Valdes
Presenters
SL

Sunwoo Lee

Assistant Professor, York University

Thursday May 23, 2024 9:45am - 11:15am CDT
Executive AB
  Concurrent G

9:45am CDT

G3 Retirement
Moderators
TS

Tapiwa Sigauke

Teaching Assistant Professor, University of Illinois Urbana-Champaign

Thursday May 23, 2024 9:45am - 11:15am CDT
Executive CD
  Concurrent G

9:45am CDT

G3a An Analysis of the Effects of Prior Psychological Distress on Wealth at Retirement, Pre-Covid-19 and Beyond
This study seeks to analyze the relationship between prior depression and anxiety, broadly termed psychological distress, and the sources and amounts of wealth at retirement. This study uses Panel Study of Income Dynamics (PSID) data waves 2007-2021, to analyze these relationships. This relationship is analyzed in two phases; 2007-2019, and 2019 and beyond, to better understand differences in the relationship in pre-COVID-19 and COVID-19 eras.
A unique feature of this study is that it examines the relationship between mental health and wealth through the lens of social drift theory, which posits that a decline in mental health increases the risk of subsequent financial hardship, which is contrary to the more commonly used social causation theory, which states that experiencing financial difficulties increases the risk of developing subsequent psychological distress.
Using a multiple regression model, this study measures psychological distress using the Kessler-6 index of psychological distress, and two measures of family level PSID wealth data: wealth inclusive of home equity, and wealth excluding home equity, as the primary variables in the model.
Our findings can help policy makers, researchers, and mental health practitioners better understand the effects of psychological distress in pre-retirement years on financial security in retirement.

Author(s): Yvonne Hampton
Presenters
YH

Yvonne Hampton

Manager of Healthcare Economics, Johns Hopkins Healthcare

Thursday May 23, 2024 9:45am - 11:15am CDT
Executive CD
  Concurrent G

9:45am CDT

G3b Retirement Expectations vs. Reality: If COVID-19 Did Not Impact Retirement Expectations Significantly, What Did?
CFP Board's ACCI Financial Planning Paper Award Winner

"Using two data sets (Prudential Financial Wellness Survey, and Health and Retirement Study), this study demonstrates that although there is generally a natural upward trend for older (age 50+) Americans to progressively delay their expected retirement, this trend has no statistically significant relationship with the COVID-19 pandemic. The distribution of older Americans’ expected retirement ages is bimodal, often centered around two Social Security Benefit claiming ages – the early retirement age and full retirement age. However, their actual retirement ages are more likely to follow a left-skewed (retire earlier) distribution. The most significant factors that influence participants’ retirement decisions relative to expectations are health (+)^[1], wealth (-), age (+), change of marital status (+), mortality expectations (+), education levels (+), disability (-), and major illness diagnosis (-). Focusing on these factors can help the retirement benefits community explore strategies to mitigate the negative consequences of gaps between retirement expectations and reality.

^[1] “(-)” means the impact is negative, i.e., retire earlier than expected, and “(+)” means the impact is positive."

Author(s): Zhikun Liu, David Blanchett, Qi Sun, Naomi Fink
Presenters
avatar for Zhikun Liu

Zhikun Liu

Vice President, Head of Research, MissionSquare Retirement

Thursday May 23, 2024 9:45am - 11:15am CDT
Executive CD
  Concurrent G

9:45am CDT

G3c The Effects of Pension Communication on Knowledge, Attitudes, and Behavior: An Integrative Review of Evidence and Directions for Future Research
Structural changes in multi-pillar pension systems require greater individual responsibility for retirement saving. Therefore, in recent years, the need for multi-pillar pension information systems has been increasingly discussed in many countries. These discussions have either culminated in the introduction of various digital pension overviews or a planned rollout in the next few years. We provide an integrative review of existing international research on the use of pension communication and its effects on the knowledge, attitudes and behaviour of individuals. Small positive changes have been found in terms of knowledge, attitudes, and retirement planning behaviour because of the information provided. The paper concludes with a discussion of emerging issues, new research directions, and practical implications of pension communication in ageing societies.

Author(s): Marlene Haupt
Presenters
avatar for Marlene Haupt

Marlene Haupt

Professor, Ravensburg-Weingarten University of Applied Sciences (RWU)

Thursday May 23, 2024 9:45am - 11:15am CDT
Executive CD
  Concurrent G

11:15am CDT

General Session 3 - Luncheon & Business Meeting
11:15-11:55 Plated Luncheon

11:55-12:35 Business Meeting

12:35-12:45 Scholarship & Dissertation Awards
  •  Robert O. Herrmann Outstanding Dissertation Award – Malika Dharkwa, University of Georgia, for her dissertation entitled “Three Essays on Parental Health Adversities and Children’s Educational Outcomes”
  •  ACCI Student/Young Professional Conference Scholarship Awards – Ting An (University of Rhode Island), Biswadeep Dhar (University of Maryland, Eastern Shore), Juhui Ko (The Ohio State University), Kiet Le (Stanford University), Siyi Liu (University of Wisconsin-Madison), Yiling Zhang (University of Wisconsin-Madison), Malika Dhakhwa (University of Georgia)

12:45-12:55 Journal of Consumer Affairs Nominated Best Article Presentation - (video) “How consumer networks contribute to sustainable mindful consumption and well-being” by Birgit Teufer and Sonja Grabner-Kräuter
JCA 57(2), pp 757-784, https://doi.org/10.1111/joca.12536

12:55-1:00 Announcements
ACCI Budget to Actual 033124 pdf
ACCI Balance Sheet 033124 pdf
ACCI Balance Sheet to Prior Year 033124 pdf
2023 ACCI Business Meeting Minutes 051823 FINAL DRAFT Choi pdf
Thursday May 23, 2024 11:15am - 1:00pm CDT
Regency AB
  General Session

1:00pm CDT

H1 Policy
Moderators
avatar for MJ Kabaci

MJ Kabaci

Assistant Professor, Montana State University
M.J. Kabaci is assistant professor in the Family Financial Planning master’s program at Montana State University. She teaches online courses in the Family Financial Planning master’s program as part of the Great Plains Interactive Distance Education Alliance.  Her interest in... Read More →

Thursday May 23, 2024 1:00pm - 2:30pm CDT
Milwaukee
  Concurrent H

1:00pm CDT

H1a Balancing the Ledger of Well-being: Student Loan Debt and Mental Health
Mental health disorders, including depression, anxiety, schizophrenia, and bipolar disorder, significantly impact around 23% of the U.S. population annually. Research consistently shows that these disorders not only affect psychological well-being of individuals but also have financial consequences such as loss of earning and lack of employment, leading to poor financial choices and debt accumulation, creating a self-perpetuating cycle where financial difficulties worsen mental health issues, further complicating financial problems. Mental health disorders can significantly affect how individuals manage and navigate the complexities of student loan debt, an issue affecting millions of borrowers in the U.S., often compounding the financial challenges they face.  
We present a detailed exploration of distinct studies aimed at examining the complex relationships between five common mental health disorders and student loan debt. These studies share a unified purpose: to provide a deeper understanding of how individuals managing various mental health disorders navigate the added challenges posed by student loan debt, and to identify potential areas for intervention and support.

Author(s): Gaurav Sinha, Jenna Brianne Terry, Autumn Dorothy Shelton, Lalita Dhal, Corey De Neil Ingram,    Cameron George Bics
Presenters
GR

Gaurav R. Sinha

Assistant Professor, University of Georgia

Thursday May 23, 2024 1:00pm - 2:30pm CDT
Milwaukee
  Concurrent H

1:00pm CDT

H1c Financial Independence of College Students
The purposes of this study are to examine financial independence level and motivation of college students and their demand for personal finance topics. With both quantitative and qualitative data collected from online personal finance courses in three semesters in 2022-23 at a northeastern public university, results show that financial independence level and motivation are closely correlated. First generation college students tend to perceive a higher level of financial independence, while juniors tend to rate higher in financial independence motivation than first year students or sophomores. Students at different levels of financial independence show different responsibilities for spending items while their demands for topics in personal finance courses are similar. Qualitative responses of students on financial independence motivation and helpful personal finance topics provide further insights to better understand college students’ financial independence. The findings have implications for financial educators in designing and delivering effective personal finance courses for young adults at university and other settings.

Author(s): Jing Jian Xiao, Nilton Porto
Presenters
JJ

Jing Jian Xiao

Professor, University of Rhode Island

Thursday May 23, 2024 1:00pm - 2:30pm CDT
Milwaukee
  Concurrent H

1:00pm CDT

H2 Students and Student Loans
Moderators
ED

Elizabeth Dolan

Associate Professor Emerita, University of New Hampshire

Thursday May 23, 2024 1:00pm - 2:30pm CDT
Executive AB
  Concurrent H

1:00pm CDT

H2a Affordable Care Act Medicaid Expansions and Self-Reported Indicators of Financial Health
Consumer Movement Archives Applied Consumer Economics Award (Student) Paper Award Winner

This paper explores the effect of 2014 Medicaid expansions on multiple self-reported indicators of financial health for the newly eligible living in the states that expanded Medicaid in 2014. I use data from the National Financial Capability Study (NFCS) 2009-2021, which provides several self-reported indicators of financial health. I estimate models using difference-in-differences (DD) and event study approaches, which utilize the across-state and across-year variations in Medicaid expansions. Similar to existing literature, findings suggest that the 2014 Medicaid expansions substantially increased health insurance coverage and reduced unpaid medical bills in the post-2014 years. Although there were mostly no changes in the other indicators of financial health in the pre-COVID-19 years, findings suggest the newly eligible perceived lower indebtedness and less difficulty in paying for usual expenses in 2021. These findings imply that although public health insurance expansion improves people’s perceptions of some aspects of their finances, it does not affect their overall financial satisfaction.

Author(s): Vivekananda Das
Presenters
avatar for Vivekananda Das

Vivekananda Das

PhD Student, University of Wisconsin-Madison

Thursday May 23, 2024 1:00pm - 2:30pm CDT
Executive AB
  Concurrent H

1:00pm CDT

H2b Can Local Minimum Wage Policies Affect Household Food Security? Evidence From Chicago’s Minimum Wage Ordinance
The impact of state minimum wage policies on various economic outcomes, including food security, has been extensively researched. However, there has been limited investigation into the effects of local minimum wages on household food insecurity. This gap is addressed by this paper, which examines the potential connection between local minimum wage policies and food security in Chicago. Specifically, it analyzes the impact of the 2015 minimum wage law enforced in Chicago’s city council. To achieve this, a difference-in-difference approach is employed, com-paring the broader metropolitan statistical area as a control group. The study utilizes data from the Current Population Survey’s food security supplement. The findings show that households with lower educational attainment in Chicago experience a reduced likelihood of food insecurity compared to similar households in the broader metropolitan statistical area. Nevertheless, the overall sample shows no significant effect, indicating that local minimum wage policies primarily influence more vulnerable populations

Author(s):  Amit Jadhav
Presenters
AJ

Amit Jadhav

Ph.D. student, University of Wisconsin-Madison

Thursday May 23, 2024 1:00pm - 2:30pm CDT
Executive AB
  Concurrent H

1:00pm CDT

H2c Three Essays on Parental Health Adversities and Children’s Educational Outcomes
Robert O. Herrmann Outstanding Dissertation Award Winner

This dissertation examined the impact of parental illness on children’s academic achievements using data from the Panel Study of Income Dynamics and its Transition to Adulthood Supplement. It consists of three essays that explored different aspects of educational outcomes: high school GPA, college enrollment, and college academic performance. The first essay found a significant negative impact on children's high school GPA from severe maternal physical illnesses or mental health issues that occurred before the children's high school years. The second essay revealed that both maternal and paternal illnesses significantly diminished the likelihood of college enrollment by the age of 21, as well as the expectation to complete a four-year degree. Specifically, children of mothers with severe or mental health conditions, or multiple health issues, faced reduced prospects for higher education. The third essay employed fixed effects estimation to analyze college GPA, uncovering that the onset of chronic parental illness during a child’s college years negatively impacted their academic results. Overall, the findings suggested that parental health problems have extensive consequences on children's educational paths, prompting a need for improved support structures within educational institutions to aid students facing these challenges.

Author(s): Malika Dhakhwa
Presenters
avatar for Malika Dhakhwa

Malika Dhakhwa

PhD, University of Georgia
I have completed my PhD in Consumer Economics from the University of Georgia. In my dissertation, I explored the impact of parental illness on various aspects of children’s educational outcomes - high school GPA, college enrollment, and college academic performance. My research... Read More →

Thursday May 23, 2024 1:00pm - 2:30pm CDT
Executive AB
  Concurrent H

1:00pm CDT

H3 Motivation and Behavior
Moderators
avatar for Yi Liu

Yi Liu

Assistant Professor, St. John Fisher University

Thursday May 23, 2024 1:00pm - 2:30pm CDT
Executive CD
  Concurrent H

1:00pm CDT

H3a Financial Decision-Making Ability as a Durable Resource in Financial Decision Making
Existing literature suggests that financial knowledge alone is insufficient in producing the behaviors and outcomes that positively influence financial well-being; however, little attention has been paid to the other factors necessary to produce such outcomes. Financial decision-making ability, the psychomotor component of financial literacy, represents one promising candidate in addressing this gap. We introduce and validate a scale to measure financial decision-making ability and examine its role in improved financial well-being as well as the persistence of this relationship even after decision-making resources are depleted. Our research demonstrates the importance of financial decision-making ability in financial decision making and provides support for its inclusion in financial education. We also show that financial decision-making ability is an enduring resource for individual decision-makers in the face of decision resource depletion.

Author(s): Heejae Lee, Dee Warmath
Presenters
avatar for Heejae Lee

Heejae Lee

Ph.D. Candidate, University of Georgia

Thursday May 23, 2024 1:00pm - 2:30pm CDT
Executive CD
  Concurrent H

1:00pm CDT

H3b Individuals' Financial Behaviors and Their Causes: A Canadian Qualitative Study
This article looks at the financial behaviors of individuals and what drives them. A qualitative methodology was used, in which 18 semi-structured interviews with individuals of various profiles were conducted and analyzed. Our results show that attitudes, subjective norms, and perceived behavioral control influence people's financial behaviors.

Author(s): Tania Morris
Presenters
TM

Tania Morris

Professor, Université de Moncon

Thursday May 23, 2024 1:00pm - 2:30pm CDT
Executive CD
  Concurrent H

1:00pm CDT

H3c Investment Literacy and Investment Motivations: Exploring Diverse Drivers
This research examines the relationship between investment literacy and the diverse motivations that drive individuals to invest. The study investigates five primary motivational factors that encompass the spectrum of investor intent, including short-term investment gain, entertainment/engagement, social interactions, social support, social responsibility, and the pursuit of knowledge. The findings derived from the 2021 National Financial Capability Study (NFCS) Investor Survey demonstrate a negative relationship between persons possessing a high level of objective investment literacy and their multifaceted investment motivation towards short-term profit, entertainment/engagement, social interactions, and social responsibility. Investors with a higher level of subjective investment literacy exhibit a greater inclination towards being driven by short-term profitability, entertainment/engagement, social interactions, , social responsibility, and learning objectives in the context of investment activities. Moreover, risk tolerance is also associated positively with all investment motivations. The results of this study have implications for researchers and consumer financial service practices.

Author(s): Yi Liu, Kyoung Tae Kim
Presenters
avatar for Yi Liu

Yi Liu

Assistant Professor, St. John Fisher University

Thursday May 23, 2024 1:00pm - 2:30pm CDT
Executive CD
  Concurrent H

2:40pm CDT

Closing General Session - JCA Editor Panel
2:40-2:45 Welcome & Announcements

2:45-3:40 Meet the JCA Editors (panel) - Rui Yao, Editor-in-Chief, with Association Editors: Piotr Bialowolski, Yunhee Chang, Marlene Haupt, and Tae-Young Pak
The Journal of Consumer Affairs' editors will share insights on the types of articles the journal is actively seeking and how to write articles that align with JCA’s standards. This includes understanding the aims and scope of the journal as well as the editors’ expectations of the manuscript’s innovation, rigor, and impact. Attendees can ask questions about manuscript submission, peer review, and more.

3:40-3:50 Journal Awards:
  • Journal of Consumer Affairs Best Article Award winner announced and presented
  • Thomas Brooks Best Reviewer Award - Julie Birkenmaier, St. Louis University

3:50-4:00 Door Prizes - Must be present to win!

4:00 Adjourn the conference - Thank you for attending and see you next year!
Speakers
avatar for Marlene Haupt

Marlene Haupt

Professor, Ravensburg-Weingarten University of Applied Sciences (RWU)
PB

Piotr Bialowolski

Associate Professor, Kozminski University
avatar for Rui Yao

Rui Yao

Professor, University of Missouri
Rui Yao, PhD, CFP® is the immediate Past President of ACCI and a Professor in the Personal Financial Planning Department at the University of Missouri. Dr. Yao received her doctoral degree from The Ohio State University. Her research interests focus on helping individuals and families... Read More →
TP

Tae-Young Pak

Associate Professor, Sungkyunkwan University
avatar for Yunhee Chang

Yunhee Chang

Professor, University of Mississippi

Thursday May 23, 2024 2:40pm - 4:00pm CDT
Regency AB
  General Session

4:15pm CDT

Board & Conference Committee Meeting
Thursday May 23, 2024 4:15pm - 4:30pm CDT
Milwaukee
  Meeting

4:30pm CDT

Board Meeting
Thursday May 23, 2024 4:30pm - 5:00pm CDT
Milwaukee
  Meeting
 
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