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ACCI Conference 2026

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10:15am PDT

B1 - Debt and Financial Well-being International Ballroom IVivekananda Das B1a Buy Now, Pay Later: Financial Flexibility or Financial Fragility? International Ballroom IPatrick Tito Buah-Bassuah B1b Left Behind by Design? Unmet HEALTH Needs, Medical DEBT, Caregiving, and Household Financial WELL-BEING in the U.S. International Ballroom IJoshua Omotoso B1c The Dual Role of Convenience and Stress: Buy Now, Pay Later and Household Financial Well-Being International Ballroom ISunwoo Lee B2 - Retirement Readiness International Ballroom IIMorgen Nations B2a Balancing Multiple Savings Goals: A Unified Framework of Short- and Long-Term Saving International Ballroom IIXiaoyuan Sun B2c Short-Term Gains, Long-Term Pains: How Borrowing and Cashing-Out Impact Retirement Readiness International Ballroom IIRose Wakiria B3 - Financial Self-Efficacy Pacific ILoren Flood B3a Enhancing Financial Self-Efficacy through Financial Literacy: Leveraging Financial Education Mandates as an Instrument Variable to Examine Causal Pathways Pacific IIchchha Pandey B3b Financial Self-efficacy and Female Finances: Suggestions for Mitigating the Gender Gap Pacific IBlake Gray B3c Mind the Bias: Educational Mandates and the Perception Bias in Financial Knowledge Pacific ITaufiq Quadria B4 - Public Assistance Pacific IICäzilia Loibl B4a Does Cash Assistance Achieve Food Security? Evidence from South Korea's Livelihood Benefit Program Pacific IINamhoon Kim B4b Licensed Payday Lender Availability and Energy Assistance Participation Pacific IIMelody Harvey B5 - Financial Access Atlantic I & IIYasemin Akcan Barto B5a Developing and Validating the Individual Financial Access Scale: A Multidimensional Measurement Tool for Consumer Financial Wellbeing Atlantic I & IIJulie Birkenmaier B5b Tracking Every Dollar: How Do Information Sources and Financial Access Support Budgeting? Atlantic I & IIMadelaine L'Esperance B5c Knowledge Is Not Enough: Race, Gender, and the Unequal Returns to Financial Literacy in U.S. Financial Inclusion Atlantic I & IIMengya Wang