BEGIN:VCALENDAR
VERSION:2.0
X-WR-CALNAME:acciconference2026
X-WR-CALDESC:Event Calendar
METHOD:PUBLISH
CALSCALE:GREGORIAN
PRODID:-//Sched.com ACCI Conference 2026//EN
X-WR-TIMEZONE:UTC
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260412T220000Z
DTEND:20260413T010000Z
SUMMARY:Board Meeting
DESCRIPTION:\n
CATEGORIES:MEETING
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:eb7f9cb3ad848f6391deb949bfda68ae
URL:http://acciconference2026.sched.com/event/eb7f9cb3ad848f6391deb949bfda68ae
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260413T013000Z
DTEND:20260413T033000Z
SUMMARY:Board Dinner
DESCRIPTION:Board Members Only
CATEGORIES:FOOD & BEVERAGE
LOCATION:The Loft Restaurant\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:8303556a0b59a1ab4b8ee1665910c4b1
URL:http://acciconference2026.sched.com/event/8303556a0b59a1ab4b8ee1665910c4b1
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260413T150000Z
DTEND:20260413T230000Z
SUMMARY:Board Meeting
DESCRIPTION:\n
CATEGORIES:MEETING
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:522036874512b3bedeaf39ba5457f457
URL:http://acciconference2026.sched.com/event/522036874512b3bedeaf39ba5457f457
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260413T210000Z
DTEND:20260414T020000Z
SUMMARY:Registration
DESCRIPTION:\n
CATEGORIES:REGISTRATION/INFORMATION
LOCATION:2nd Floor Foyer\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:7584cf912ffffd24bc414343621caec2
URL:http://acciconference2026.sched.com/event/7584cf912ffffd24bc414343621caec2
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260413T230000Z
DTEND:20260414T000000Z
SUMMARY:JCA AE’s & Editorial Board Meeting
DESCRIPTION:Journal of Consumer Affairs - Editor\, Associate Editors\, and Editorial Review Board Annual Meeting
CATEGORIES:MEETING
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:5fe2843e1065546bcf95597ade94ce38
URL:http://acciconference2026.sched.com/event/5fe2843e1065546bcf95597ade94ce38
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T000000Z
DTEND:20260414T010000Z
SUMMARY:First Timers Welcome
DESCRIPTION:\n
CATEGORIES:SPECIAL EVENT
LOCATION:The Loft Restaurant\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:8419a8a75b93b839ab7795386bf30b51
URL:http://acciconference2026.sched.com/event/8419a8a75b93b839ab7795386bf30b51
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T010000Z
DTEND:20260414T013000Z
SUMMARY:Welcome Cocktails
DESCRIPTION:\n
CATEGORIES:SPECIAL EVENT
LOCATION:2nd Floor Foyer\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:cbcec4477b93888ce292a12e16a2d46b
URL:http://acciconference2026.sched.com/event/cbcec4477b93888ce292a12e16a2d46b
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T013000Z
DTEND:20260414T030000Z
SUMMARY:Awards Dinner & Program
DESCRIPTION:Sponsored by the National Endowment for Financial Education (NEFE)\n\n\n\n
CATEGORIES:FOOD & BEVERAGE
LOCATION:International Ballroom III\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:28020022fd22cb0a31e3ca9e9e9464aa
URL:http://acciconference2026.sched.com/event/28020022fd22cb0a31e3ca9e9e9464aa
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T140000Z
DTEND:20260414T153000Z
SUMMARY:Breakfast
DESCRIPTION:Sponsored by:\n\n
CATEGORIES:FOOD & BEVERAGE
LOCATION:Promenade\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:1c7d939cccca1ac6fb7b4a5fcd00f3e7
URL:http://acciconference2026.sched.com/event/1c7d939cccca1ac6fb7b4a5fcd00f3e7
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T140000Z
DTEND:20260415T000000Z
SUMMARY:Registration
DESCRIPTION:\n
CATEGORIES:REGISTRATION/INFORMATION
LOCATION:2nd Floor Foyer\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:f5ba76eb9b81f1d5b18b57169107d938
URL:http://acciconference2026.sched.com/event/f5ba76eb9b81f1d5b18b57169107d938
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A1 - Consumer Well Being
DESCRIPTION:\n
CATEGORIES:CONCURRENT A
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:db170750f5f5f77dc6c17b8af0a542dd
URL:http://acciconference2026.sched.com/event/db170750f5f5f77dc6c17b8af0a542dd
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A1a The effect of anthropomorphism of female virtual influencers on women’s objectification and social comparison
DESCRIPTION:This study investigates how anthropomorphism in female virtual influencers (VIs) affects women’s objectification and social comparison\, focusing on South Korean female social media users. Drawing on social comparison theory and objectification theory\, a between-subjects experiment was conducted with 200 women aged 18–35. Participants viewed attractive influencer images presented either in highly anthropomorphic (unaltered humanlike) or low-anthropomorphic (digitally animated) forms. Results showed that higher anthropomorphism increased perceived similarity\, which reduced objectification but simultaneously heightened appearance comparisons. In contrast\, lower anthropomorphism elicited stronger objectification\, as less humanlike bodies were treated with reduced moral concern. These findings indicate that anthropomorphism produces dual and contradictory outcomes: while it can mitigate objectified views of women’s bodies\, it also amplifies harmful appearance comparisons that undermine body image and well-being. The study underscores the need for responsible VI design\, incorporating diverse body shapes\, races\, and ethnicities\, and calls for further research on mediating roles of appearance schema.\n\nAuthor(s): Jeeweon Wee\, Yoon-Jung Lee
CATEGORIES:CONCURRENT A
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:69e4e969de4077ee42dfce9c59d6c319
URL:http://acciconference2026.sched.com/event/69e4e969de4077ee42dfce9c59d6c319
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A1b Unequal Returns: Wage Disparities among LGBTQ+ Individuals through Human Capital and Intersectionality Frameworks – Implications for Consumer Well-Being
DESCRIPTION:This study analyzes wage disparities among LGBTQ+ individuals using "Human Capital Theory" and "Intersectionality Theory". A survey of U.S. adults and multinomial logistic regression are used to test whether LGBTQ+ workers face wage penalties even after controlling for education and experience\, and how job insecurity makes these disadvantages worse. The results show that when jobs are stable\, the gap is small\, but when job insecurity is high\, LGBTQ+ individuals are much more likely to fall into the lowest wage group. In other words\, wage inequality is most severe when LGBTQ+ identity and job insecurity overlap. Such low wages are not only about unfairness at work. They also weaken household finances\, limit access to basic needs such as housing\, food\, and healthcare\, and make it harder to save for retirement or build long-term security. This study shows that wage inequality is not only a labor market issue but also a structural problem that harms consumer and family well-being.\n\nAuthor(s): Jake G. Zavala Zavala\, Hye-Jun Park\, Wookjae Heo
CATEGORIES:CONCURRENT A
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:bfa438379c039ed6d04e1eae66c68c6d
URL:http://acciconference2026.sched.com/event/bfa438379c039ed6d04e1eae66c68c6d
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A1c When the game stops being fun: understanding the relationship between gamification and consumer distress
DESCRIPTION:Gamification is increasingly embedded in consumers’ daily lives\, from fitness tracking to language learning\, with the promise of driving engagement and motivation. Yet\, despite its growing prevalence and celebrated benefits\, less is known about its potential downside for consumer well-being. This research investigates the unintended consequences of gamification\, focusing on its capacity to induce consumer distress. Using a multi-study mixed-method approach\, we integrate insights from in-depth interviews\, an online survey\, a scenario-based experiment and a longitudinal field study to examine how achievement- and social-oriented gamification features affect consumer distress. Our findings reveal that gamification can foster distress\, particularly among consumers with a strong outcome goal orientation and low to moderate self-esteem. Qualitative results further highlight the amplifying role of distance to goal\, while excessive engagement with features\, manifesting in compulsive thoughts and over-involvement\, emerges as a key mechanism driving distress. By moving beyond the dominant focus on gamification’s positive outcomes\, this research advances understanding of unintended consumer outcomes and underscores the need for more mindful design and use of gamified technologies. Implications extend to consumers\, companies\, and policymakers alike\, calling for education\, supportive design\, and protective policies to ensure that gamification serves consumer well-being rather than eroding it.\n\nAuthor(s): Lisa Baiwir\, Laurence Dessart\, Cécile Delcourt
CATEGORIES:CONCURRENT A
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:4a3fd80760e0f4e7c71c015dde112b2e
URL:http://acciconference2026.sched.com/event/4a3fd80760e0f4e7c71c015dde112b2e
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A2 - Financial Fraud
DESCRIPTION:\n
CATEGORIES:CONCURRENT A
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:bd8a9235f769362c7dc6c8153c19354c
URL:http://acciconference2026.sched.com/event/bd8a9235f769362c7dc6c8153c19354c
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A2a From Perception to Loss: A Two-Phase Approach to Measuring Financial Fraud
DESCRIPTION:This study examines the relationship between financial capability and vulnerability to financial fraud\, with a focus on perceived targeting and actual financial loss. Using nationally representative data from the 2024 National Financial Capability Study (N = 21\,980)\, we estimate logistic regression models to assess the effects of objective and subjective financial knowledge and financial education across diverse demographic groups. Results reveal that individuals with greater objective financial knowledge and formal financial education are more likely to perceive themselves as fraud targets\, suggesting heightened awareness and detection. At the same time\, both knowledge and education significantly reduce the likelihood of experiencing monetary loss among those targeted\, underscoring their protective role. In contrast\, subjective financial knowledge does not predict either targeting or loss\, highlighting potential overconfidence risks. Additional analyses indicate that high school–based financial education is particularly effective in reducing financial loss\, while employer or multi-source education primarily increases fraud awareness. Findings emphasize the importance of distinguishing between psychological and material dimensions of fraud and suggest that policy initiatives should prioritize expanding structured financial education\, especially at early stages\, to build resilience against fraud.\n\n Author(s):Kyoung Tae Kim\, Jonghee Lee\, Sunwoo Lee
CATEGORIES:CONCURRENT A
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:b1808ee2f6a0e7f52555601e4ad5daae
URL:http://acciconference2026.sched.com/event/b1808ee2f6a0e7f52555601e4ad5daae
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A2b Mobile Fintech Usage and Consumers' Exposure to Financial Fraud
DESCRIPTION:Mobile fintech (e.g.\, banking and payment) has become increasingly prevalent due to its convenience in managing personal finance\, but it also raises concerns about increasing exposure to financial fraud and scams. This study utilized the 2024 wave of the State-by-State National Financial Capability Survey (NFCS) dataset from FINRA\, conducting logistic regressions and ad-hoc subgroup analyses based on age to examine the relationship between mobile fintech adoption (both general usage and each service) and the likelihood of perceiving fraud targeting and actual financial loss. The results indicate that mobile fintech users are more likely to perceive themselves as target of financial fraud\, and conditioned on perception\, more likely to suffer from financial loss. The results were also confirmed by the ad-hoc subgroup analysis. These findings called for the need for consumer protection and financial education regarding the diversified mobile fintech services and possible fraud or scam exposures that may emerge\, and provided practical implications for financial practitioners and policymakers.\n\nAuthor(s):Yeqi Zhu\, Lu Fan
CATEGORIES:CONCURRENT A
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:f202634400d5560d3f34ac1850f3aad2
URL:http://acciconference2026.sched.com/event/f202634400d5560d3f34ac1850f3aad2
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A2c The Determinants of Financial Awareness: A Quantile Regression Approach
DESCRIPTION:The determinants of financial awareness are a widely researched area in consumer economics and related fields. Financial awareness is usually measured using a Likert scale-based variable\, with the various levels of the variable indicating the underlying latent utility\, which is unobserved. Given the discrete nature of the financial awareness variable\, it is not possible to use methods such as quantile regression methods to capture how changes in a covariate affect different quantiles of the financial awareness variable in its Likert-scale form. In this study\, we utilize ideas from the Bayesian econometrics literature to uncover the underlying latent utility for the Likert measured financial awareness variable. Specifically\, Albert and Chib (1993) outlined how one can uncover the underlying latent utility in both a standard and ordered probit model using the Gibbs sampler. We then use quantile regression methods to examine the relationship between commonly used covariates and the transformed latent utility representation of financial awareness. Using a quantile regression method allows for a more nuanced explanation of how changes in covariates affect the dependent variable.\n\nAuthor(s):&nbsp\;Nasima Khatun\, Sandra Huston\, Donald Lacombe
CATEGORIES:CONCURRENT A
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:52600fea9ce2e954fff848f70147e351
URL:http://acciconference2026.sched.com/event/52600fea9ce2e954fff848f70147e351
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A3 - Financial Resilience
DESCRIPTION:\n
CATEGORIES:CONCURRENT A
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:4a93fd2728bd188160e016fab826a4fd
URL:http://acciconference2026.sched.com/event/4a93fd2728bd188160e016fab826a4fd
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A3a Financial Resilience and Financial Disagreement Mediate the Associations between Economic Adversity and Dyadic Marital Satisfaction: Exploring Within- and Between-Couple Differences and Moderations in Multilevel Modeling
DESCRIPTION:Stress proliferation and adaptation hypotheses explain the coping processes for marital satisfaction during periods of economic adversity. However\, empirical studies have less explored crucial consumer-related coping mechanisms\, such as financial resilience and financial disagreement. Furthermore\, consumer heterogeneity in marital dyads suggests greater complexity of financial coping\, while this perspective lacks empirical examination and advanced modeling. This study utilized national survey data on Chinese couples (N = 912 pairs) and conducted structural equation modeling in single-level\, multi-group\, and multilevel approaches to examining the hypothesized pathways differentiated by dyadic responses (household heads and partners)\, sociodemographic subgroups (36 nested model comparisons)\, and cross-level mediation and moderation effects considering within- and between-couple features (18 models in 2-2-1 patterns). Consistently significant and stronger indirect effects of economic adversity on marital satisfaction via financial resilience than financial disagreement highlight the importance of positive financial coping processes on consumers’ marital well-being in weathering external economic shocks.\n\nAuthor(s): Zewei Liu\, Ji-Kang Chen
CATEGORIES:CONCURRENT A
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:f8fe625ff26a59025be7387b0dfb917a
URL:http://acciconference2026.sched.com/event/f8fe625ff26a59025be7387b0dfb917a
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A3b Flood Events and Precautionary Savings
DESCRIPTION:Floods are the most frequent and severe natural disasters in the U.S.\, and their occurrence is expected to increase (Wing et al.\, 2022). By combining and aggregating household characteristics from NFCS data with flood events from NOAA data at the county level between 2007 and 2023\, this study finds evidence that households have some capacity to anticipate future flood damages to property and are more likely to hold precautionary savings. In contrast\, there is insufficient evidence that flood frequency plays a significant role in the propensity to hold precautionary savings. Specifically\, if property damage is expected to double over the next two years\, the proportion of households with emergency savings in an average county increases by 0.12%. The two-way fixed-effects estimation controls for county and time factors\, in addition to the included control variables.\n\nAuthor(s): Juan Sandoval\, Patryk Babiarz
CATEGORIES:CONCURRENT A
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:d58fe7491508a598cb92354ade216a37
URL:http://acciconference2026.sched.com/event/d58fe7491508a598cb92354ade216a37
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A3c Generational Differences in Emergency Fund Savings: An Analysis of Demographic\, Economic\, and Predictive Behavioral Factors Among Millennial and Generation X Households
DESCRIPTION:This study examines generational differences in emergency fund savings adequacy between Millennial (born 1981-1996) and Generation X (born 1965-1980) households using 2022 Survey of Consumer Finances data. Using Precautionary Savings Theory as the conceptual framework\, this research analyzes how income uncertainty\, risk aversion\, and borrowing constraints influence emergency fund adequacy across 2-\, 3-\, and 6-month savings thresholds. The sample includes 11\,675 households: 6\,705 Gen-X and 4\,970 Millennials. Chi-square analysis reveals statistically significant generational differences with Gen-X consistently outperforming Millennials across all thresholds. At the 6-month comprehensive measure\, Gen-X demonstrates 23.0% adequacy compared to Millennials' 19.0%. For Gen-X\, homeownership dramatically increases odds across all thresholds while for Millennials\, spending less than income proves most critical at the 2-month. These findings suggest that financial education programs\, professional recommendations\, and policy interventions should adopt generation-specific approaches rather than universal strategies. The research highlights the importance of understanding generational contexts when developing emergency fund guidelines and financial wellness programs.\n\nAuthor(s): Mo Buckner\, Mindy Joseph
CATEGORIES:CONCURRENT A
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:dfce015b4fac743872be23b9ffe798dc
URL:http://acciconference2026.sched.com/event/dfce015b4fac743872be23b9ffe798dc
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A4 - Mental Health & Resilience
DESCRIPTION:\n
CATEGORIES:CONCURRENT A
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:c33f302c6c307da92905d655743e4db2
URL:http://acciconference2026.sched.com/event/c33f302c6c307da92905d655743e4db2
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A4a But Who Supports Mama? Examining the Roles of Social Support and Basic Psychological Needs Satisfaction in Pregnancy and Postpartum Mental Health
DESCRIPTION:Pregnancy and the postpartum experiences represent transformative stagesof a woman’s life that\, in some cases\, are accompanied by mental health challenges. In the transition from pregnancy to postpartum\, the focus shifts from the mother to the baby\, potentially leaving the woman to feel alone andoverlooked in navigating the complex emotional and physical challenges of recovering from childbirth and caring for a small human. In this study\, we argue that the mental health and well-being of a pregnant or postpartum woman is shaped by the level and type of supportive relationships they have(i.e\, interpersonal versus healthcare provider) because such supportive relationships promote psychological energy required for their task. Using data from the 2025 Pregnancy Journey Survey\, this study examines the association between having supportive interpersonal and healthcare provider relationships and the woman’s mental health\, and whether these associations are mediated by the satisfaction of their basic psychological needs for competence\, autonomy\, and belonging.\n\nAuthor(s):Grace Palmer\, Dee Warmath
CATEGORIES:CONCURRENT A
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:4b9e4e680746f409794835b4689c66db
URL:http://acciconference2026.sched.com/event/4b9e4e680746f409794835b4689c66db
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A4b Hard Financial Times\, Strong Bonds: Love\, Purpose\, and Mental Health
DESCRIPTION:Drawing on stress buffering and amplification frameworks\, we used data from the Health and Retirement Study\, a nationally representative population-based longitudinal survey of U.S. older adults to evaluate (1) the extent to which older adults experiencing financial hardship differ with respect to depressive symptoms\; (2) whether these associations are buffered or amplified by partner/spouse support and strain\, respectively\; and (3) whether the purported stress buffering and amplifying roles of romantic relationships vary by sense of purpose in life. Analyses were adjusted for demographic and socioeconomic status indicators\, and health conditions that are well-established correlates of financial hardship and depressive symptoms. Understanding these dynamics may inform interventions that leverage relational and psychological resources to protect mental health under financial stress.\n\nAuthor(s): Shinae Choi\, Matthew Scarpelli
CATEGORIES:CONCURRENT A
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:411d9299e578080a7bd9c5a42c4ae96e
URL:http://acciconference2026.sched.com/event/411d9299e578080a7bd9c5a42c4ae96e
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A4c Material hardship\, risky health behaviors\, and mental health
DESCRIPTION:This study investigates the relationship between material hardship and population-level mental health outcomes\, focusing on depression and frequent mental distress (FMD). Drawing on the stress process framework\, we examine whether risky health behaviors—smoking\, binge drinking\, and physical inactivity—mediate these associations. We constructed a geo-coded dataset by merging tract-level estimates from the 2024 CDC PLACES release with sociodemographic indicators from the 2022 American Community Survey. Structural Equation Models (SEMs) were estimated with a latent construct of material hardship composed of housing instability\, utility threats\, transportation barriers\, SNAP reliance\, and lack of insurance. Results show that material hardship is associated with higher prevalence of depression and FMD. Smoking emerges as a key mediator\, exerting a large and positive indirect effect\, while binge drinking and physical inactivity exhibited negative effects that modestly attenuate overall associations. These findings highlight smoking as a critical behavioral pathway linking hardship to mental health burdens. This study calls for coupling economic supports with integrated behavioral health interventions and expanding smoking cessation and physical activity programs to reduce the mental health effects of economic hardship.\n\nAuthor(s): Youngjoo Choung\, Swarn Chatterjee\, Tae-Young Pak
CATEGORIES:CONCURRENT A
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:61a530c515f17db25f38c9407cb17257
URL:http://acciconference2026.sched.com/event/61a530c515f17db25f38c9407cb17257
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A5 - Sustainable Consumer Behavior
DESCRIPTION:\n
CATEGORIES:CONCURRENT A
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:fb333c9801e8b17c52c6acb4b5bc5f40
URL:http://acciconference2026.sched.com/event/fb333c9801e8b17c52c6acb4b5bc5f40
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A5a How Consumers Learn About Climate Risks: Disaster Experience\, Media Coverage\, and Insurance Decisions
DESCRIPTION:This study investigates how consumers update their perceptions of flood risk and make financial protection decisions in an era of intensifying climate change. Using monthly county-level data from the National Flood Insurance Program (NFIP)\, FEMA disaster records\, climate datasets\, and text-based measures of national media coverage\, we analyze how four types of information—local floods\, extreme precipitation\, disasters in other states\, and climate-related media—shape household uptake of flood insurance. Results show that indirect exposure to out-of-state disasters explains more than half of the variation in insurance adoption\, while local floods and extreme precipitation also play significant roles. Media coverage contributes more modestly overall but has strong effects when focused on global warming or climate controversies\, particularly in high-education and higher-income communities. In contrast\, households in lower-education\, high-risk areas respond primarily to direct flood experiences. These findings highlight the dynamic and heterogeneous ways consumers process information\, underscoring the need for communication and policy strategies that are tailored to diverse populations. By centering consumer well-being and equity\, the study offers actionable insights for improving risk communication\, strengthening the National Flood Insurance Program\, and supporting household financial resilience against climate-related disasters.\n\nAuthor(s): Yilan Xu\, Yi Huang
CATEGORIES:CONCURRENT A
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:eb262410ba47974c50b636cc37af50a4
URL:http://acciconference2026.sched.com/event/eb262410ba47974c50b636cc37af50a4
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T153000Z
DTEND:20260414T170000Z
SUMMARY:A5b What Makes Refurbished Acceptable? A Two-Stage Study of Purchase Intention and Discount Thresholds
DESCRIPTION:This study examines consumer acceptance of refurbished durables in Korea using a two-part design that links behavioral intention to the minimum discount required to switch from new to refurbished. Using an online panel of adults and a massage-chair category frame\, we model purchase intention with explainable machine-learning and report SHAP attributions for attitudes toward refurbishment and attribute-importance items (price\, warranty\, hygiene\, seller credibility\, reviews\, performance\, appearance). We then elicit willingness-to-accept (WTA) using a double-bounded dichotomous-choice sequence and estimate the discount distribution via interval-censored accelerated failure-time models. Results show attitudes toward refurbished products as the dominant positive driver of intention\, while stronger concerns about hygiene and warranty increase the discount required. The model-based median WTA is approximately 15% off list price\, with meaningful heterogeneity across segments. Findings provide actionable pricing\, assurance\, and labeling guidance for firms and policy makers seeking to expand trustworthy refurbished channels that improve affordability and sustainability without compromising perceived quality.\n\nAuthor(s): Yuhyun Seo\, Eunjung Lim\, Eunsil Hong\, Jiyeon Son
CATEGORIES:CONCURRENT A
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:4e0b13b25edcdebbb6e0a3229b569f97
URL:http://acciconference2026.sched.com/event/4e0b13b25edcdebbb6e0a3229b569f97
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T170000Z
DTEND:20260414T171500Z
SUMMARY:Beverage Refreshment Break
DESCRIPTION:Coffee\, tea\, and water.
CATEGORIES:FOOD & BEVERAGE
LOCATION:Promenade\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:ce0d6a0ac72a06b5dbf3e121c6ec888c
URL:http://acciconference2026.sched.com/event/ce0d6a0ac72a06b5dbf3e121c6ec888c
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B1 - Debt and Financial Well-being
DESCRIPTION:\n
CATEGORIES:CONCURRENT B
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:51292f99f1fd2d13053bd759bf4d637a
URL:http://acciconference2026.sched.com/event/51292f99f1fd2d13053bd759bf4d637a
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B1a Buy Now\, Pay Later: Financial Flexibility or Financial Fragility?
DESCRIPTION:This study examines who uses Buy Now\, Pay Later (BNPL) in the United States and why\, distinguishing constraint-driven use from convenience-driven adoption. Using the 2022 Survey of Consumer Finances with repeated-imputation inference and replicate weights (4\,595 households\; 22\,975 observations)\, we estimate survey-weighted binary-choice models of BNPL participation (7% prevalence). The central construct is Objective Financial Well-Being (FWB)\, defined by three thresholds: at least 2.5 months of liquid assets\, at least 50% of assets in investments\, and a solvency ratio above one. Explanatory blocks include other installment debt\, missed credit-card payments\, liquidity slack\, financial sophistication\, risk tolerance\, use of financial advice\, and socioeconomic controls. We predict lower BNPL uptake among high-FWB households and higher uptake among those with other loans\, missed card payments\, and greater liquidity slack\; we also expect a positive association with financial knowledge. Findings will inform policy (targeted disclosures and affordability checks)\, product design\, and financial education by clarifying whether BNPL primarily serves financially constrained households or also functions as a budgeting tool for resilient consumers. Before the conference\, we plan a cross-survey comparison using the Federal Reserve’s Survey of Household Economics and Decisionmaking (SHED) to link BNPL use to subjective financial well-being.\n\nAuthor(s): Patrick Tito Buah-Bassuah\, Vikesh Kumar\, Theophilus Amanfo
CATEGORIES:CONCURRENT B
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:bf1d3b6753dd392039b528219c5cca09
URL:http://acciconference2026.sched.com/event/bf1d3b6753dd392039b528219c5cca09
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B1b Left Behind by Design? Unmet HEALTH Needs\, Medical DEBT\, Caregiving\, and Household Financial WELL-BEING in the U.S.
DESCRIPTION:Using nationally representative SHED 2022–2024 data\, this study examines how unmet health needs\, medical financial stress\, and caregiving burdens shape insurance coverage and subjective financial well-being. Survey-weighted logistic models show that unmet needs are associated with higher odds of being uninsured\, medical stress substantially lowers the probability of feeling better off than one year ago\, and caregiving burdens markedly reduce the likelihood of reporting that the household is at least managing okay. Effects are graded and robust across specifications\, amplified among low-income households and middle-aged and older adults\, and partly buffered by dual coverage. Framed by Conservation of Resources theory\, the results depict compounding loss spirals across access to care\, liquidity\, and time. The findings provide a pre-policy baseline relevant to current debates over Medicaid eligibility\, caregiver supports\, and medical-debt protections\, and they offer concrete practice guidance on screening for clustered vulnerabilities that erode both structural security and perceived financial resilience.\n\nAuthor(s):Patrick Tito Buah-Bassuah\, Joshua Omotoso
CATEGORIES:CONCURRENT B
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:d1f623420327795c0a9e8f78a9f3b5c5
URL:http://acciconference2026.sched.com/event/d1f623420327795c0a9e8f78a9f3b5c5
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B1c The Dual Role of Convenience and Stress: Buy Now\, Pay Later and Household Financial Well-Being
DESCRIPTION:This study examines how Buy Now\, Pay Later (BNPL) usage relates to household financial well-being using the 2024 National Financial Capability Study. Financial well-being is measured multidimensionally via subjective financial satisfaction\, the CFPB Financial Well-Being Scale\, and self-reported financial stress. BNPL is a binary indicator of use in the past 12 months. OLS models with state fixed effects control for demographics\, socioeconomic status\, and objective and subjective financial knowledge. Subsample analyses (by financial knowledge and age) and propensity score matching corroborate the main results. Across specifications\, BNPL use is associated with lower financial satisfaction\, lower CFPB scores\, and higher financial stress. Findings position BNPL as a potential marker of financial vulnerability and underscore the need for targeted education and policy measures while calling for longitudinal and qualitative research to clarify mechanisms and causality.\n\nAuthor(s): Sunwoo Lee\, Kyoung Tae Kim\, Juha Lee
CATEGORIES:CONCURRENT B
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:1419ad92e3a4be69fedd51f10c137ade
URL:http://acciconference2026.sched.com/event/1419ad92e3a4be69fedd51f10c137ade
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B2 - Retirement Readiness
DESCRIPTION:\n
CATEGORIES:CONCURRENT B
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:d2a48d0d0852156d61639579259e8699
URL:http://acciconference2026.sched.com/event/d2a48d0d0852156d61639579259e8699
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B2a Balancing Multiple Savings Goals: A Unified Framework of Short- and Long-Term Saving
DESCRIPTION:This study utilized the data from the 2024 National Financial Capacity Study to explore the dynamic changes in an individual's savings behavior when facing both long-term and short-term savings goals simultaneously. The results show that the interaction between college education savings and emergency savings significantly increases the probability of regular contributions to retirement accounts\, but neither alone has a significant impact on retirement contribution behavior. The research further explored the related factors of retirement planning behavior and found that regardless of the type of savings held\, it would prompt individuals to be more inclined to think about the amount needed for retirement. Furthermore\, comparing the results of the two models indicates that young people are more likely than older people to make regular contributions to their retirement accounts\, but they are less likely to plan the amount needed for retirement. The responsibility of supporting parents has no impact on regular contribution behavior\, but it increases the possibility of making retirement savings plans. The results of this study provide inspiration and direction for financial advisors\, scholars\, and future research.\n\nAuthor(s): Xiaoyuan Sun\, Travis Mountain
CATEGORIES:CONCURRENT B
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:a061d9717878d5acbda1d0f2da64196e
URL:http://acciconference2026.sched.com/event/a061d9717878d5acbda1d0f2da64196e
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B2c Short-Term Gains\, Long-Term Pains: How Borrowing and Cashing-Out Impact Retirement Readiness
DESCRIPTION:This study examines the impact of borrowing from and cashing out of retirement accounts on the perception of retirement preparedness among the working population in the United States. Grounded in the Theory of Planned Behavior\, our research explores how attitudes\, subjective norms\, and perceived behavioral control influence these financial behaviors and their subsequent effect on retirement confidence. We used logistic regression to analyse the 2023 Survey of Household Economics and Decision-making (SHED) data. We found that cashing out retirement savings significantly diminishes the perception of retirement preparedness\, whereas borrowing does not exhibit a similar effect. Key determinants\, such as health status\, income\, education level\, and availability of emergency funds\, significantly influence perceived retirement readiness. These findings underscore the critical need for financial literacy and strategic retirement planning to mitigate the adverse effects of early withdrawal behaviors on long-term financial security.\n\nAuthor(s): Rose Wakiria\, Joshua Omotoso
CATEGORIES:CONCURRENT B
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:12c97da143d1cc5ed06cc56547700fd1
URL:http://acciconference2026.sched.com/event/12c97da143d1cc5ed06cc56547700fd1
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B3 - Financial Self-Efficacy
DESCRIPTION:\n
CATEGORIES:CONCURRENT B
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:1367b274e95355a296251c51c4ea78e4
URL:http://acciconference2026.sched.com/event/1367b274e95355a296251c51c4ea78e4
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B3a Enhancing Financial Self-Efficacy through Financial Literacy: Leveraging Financial Education Mandates as an Instrument Variable to Examine Causal Pathways
DESCRIPTION:This study aims to examine the association between financial literacy\, measured by objective and subjective financial literacy\, and financial self-efficacy. The study also uses financial education mandates as an instrumental variable to examine the causal effect of financial literacy on financial self-efficacy. Hence\, the study employs an instrumental variable approach to address endogeneity\, using financial education requirements as the instrument. Utilizing data from the U.S. 2018 National Financial Capability Study\, the study applies two-stage regressions and performs sensitivity analyses for White and non-White subsamples. The first-stage regression results indicate that financial education requirements are positively associated with higher levels of both objective and subjective financial literacy. The second-stage probit results uncover that objective and subjective financial literacy have a positive causal effect on financial self-efficacy. The sensitivity analyses across White and non-White subsamples yield consistent findings\, emphasizing the important role of both objective and subjective financial literacy in fostering financial self-efficacy in the United States.\n\nAuthor(s): Thomas Korankye\, Ichchha Pandey\, Ferdous Ahmmed
CATEGORIES:CONCURRENT B
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:a5cd755eb87c789b91b5fdf6a7920306
URL:http://acciconference2026.sched.com/event/a5cd755eb87c789b91b5fdf6a7920306
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B3b Financial Self-efficacy and Female Finances: Suggestions for Mitigating the Gender Gap
DESCRIPTION:Recent research has shown financial self-efficacy (FSE) to be a characteristic associated with financial outcomes that can be increased via interventions (Asebedo et al.\, 2019). However\, there are few studies that examine gender differences within FSE or how such gendered differences relate to financial outcomes (Furrebøe & Nyhus\, 2022). Using interaction effects and Blinder-Oaxaca decompositions the current study provides evidence for specific gender differences within individual financial self-efficacy\, related financial behaviors\, and resulting financial outcomes. Results indicate that increased financial self-efficacy improved women’s financial well-being faster than men\, and that over 70% of the gender gap in objective financial outcomes could be reduced by equalizing women’s financial self-efficacy and objective and subjective financial literacy. These findings suggest that interventions designed to improve the economic well-being of women should focus on improving women’s financial self-efficacy and financial knowledge.\n\nAuthor(s): Ashley McWhorter Keamo\, Blake Gray
CATEGORIES:CONCURRENT B
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:d13195a675d0a9633689dff5f32e69f4
URL:http://acciconference2026.sched.com/event/d13195a675d0a9633689dff5f32e69f4
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B3c Mind the Bias: Educational Mandates and the Perception Bias in Financial Knowledge
DESCRIPTION:This study investigates perception-bias in financial knowledge\, defined as the misalignment between subjective and objective financial knowledge\, and evaluates how state-level mandates for high school economics and personal finance education shape this bias. Using pooled data from the 2009–2021 National Financial Capability Study merged with the Council for Economic Education’s Survey of the States\, the analysis applies a two-stage residual-based approach to quantify over- and underconfidence. Results show that while implementing economics courses is associated with greater underconfidence\, rigorous economics standards and personal finance mandates significantly reduce perception-bias. However\, heightened rigor in financial education requirements yields no measurable effect\, and for young adults (ages 18–24)\, rigorous economics mandates may even increase underconfidence. These findings suggest that curriculum design and rigor influence not only knowledge levels but also the accuracy of self-assessment. The study highlights implications for educators\, policymakers\, and researchers by showing how educational mandates affect confidence calibration in financial literacy\, a factor critical for informed consumer behavior and household economic well-being.\n\nAuthor(s): Taufiq Quadria\, Israt Jahan
CATEGORIES:CONCURRENT B
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:870fff82e88cada0d8bee43eba33026d
URL:http://acciconference2026.sched.com/event/870fff82e88cada0d8bee43eba33026d
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B4 - Public Assistance
DESCRIPTION:\n
CATEGORIES:CONCURRENT B
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:8f09a39a7aac9687d1e8fa3cb35e6117
URL:http://acciconference2026.sched.com/event/8f09a39a7aac9687d1e8fa3cb35e6117
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B4a Does Cash Assistance Achieve Food Security? Evidence from South Korea's Livelihood Benefit Program
DESCRIPTION:This study examines the effect of livelihood benefits on household consumption in South Korea. Government support is provided as cash. Using data from the Korean Welfare Panel\, the analysis compares the effect of adjusted gross income and livelihood benefits on food and non-food expenditures. Measures of elasticity\, average propensity to consume (APC)\, and marginal propensity to consume (MPC) are applied. Results indicate food spending is unresponsive to either income source. Non-food expenditures increase\; a larger increase is observed from livelihood benefits. The findings establish that households do not differentiate between livelihood benefits and other income sources. Cash transfers contribute to overall welfare but do not directly achieve the policy objective of increasing food expenditure.\n\nAuthor(s): Sang-Hyo Kim\, Namhoon Kim
CATEGORIES:CONCURRENT B
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:6b803d279cb320c9df6894e664a47f78
URL:http://acciconference2026.sched.com/event/6b803d279cb320c9df6894e664a47f78
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B4b Licensed Payday Lender Availability and Energy Assistance Participation
DESCRIPTION:Licensed payday lender operations have declined nearly 90% over the past decade in Wisconsin\, even in absence of interest rate limits and relatively high limits on the maximum amount one can borrow in payday loans. Yet\, Wisconsin has relatively generous income limits for food and energy assistance sans any limit limits. Considering that utilities are a common reason consumers borrow payday loans\, I examine the effects of payday lender vacancy on energy assistance participation by leveraging cross-county variation in licensed payday lender vacancies by year. I employ unique administrative data on licensed payday lender branch operations in Wisconsin since 2011\, which I merge to publicly available administrative data on counties’ energy assistance participation\, demographics\, socioeconomic characteristics\, and business censuses. I preliminarily find that licensed payday lender vacancies increase energy assistance participation\, although such effects are delayed. Results have policy implications for financial regulations conditional on statically generous safety net parameters.\n\nAuthor(s): Melody Harvey
CATEGORIES:CONCURRENT B
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:bba05e6282779a073a3c4bfe3b1b4069
URL:http://acciconference2026.sched.com/event/bba05e6282779a073a3c4bfe3b1b4069
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B5 - Financial Access
DESCRIPTION:\n
CATEGORIES:CONCURRENT B
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:6048edba52581087fd2a58734c40456f
URL:http://acciconference2026.sched.com/event/6048edba52581087fd2a58734c40456f
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B5a Developing and Validating the Individual Financial Access Scale: A Multidimensional Measurement Tool for Consumer Financial Wellbeing
DESCRIPTION:The Individual Financial Access Scale (IFAS) development project represents a comprehensive three-year initiative to create the first validated\, multidimensional measurement tool for financial access. Moving beyond traditional binary measures of basic product ownership\, this study employed rigorous scale development methodology following established psychometric procedures across three distinct phases: conceptualization and item generation\, pilot testing with 1\,085 respondents\, and validation with 4\,094 nationally representative participants. The project utilized both Confirmatory Factor Analysis and Item Response Theory to develop two validated scale versions—a comprehensive 14-item and parsimonious 10-item tool—that capture financial access across three empirically-derived domains: Mainstream Financial Products and Services (focusing on wealth-building products)\, Institutional Practices of Financial Service Providers\, and Individual Ability and Actions. Both versions demonstrated exceptional psychometric properties\, with the 10-item scale achieving superior model fit (RMSEA=0.032\, CFI=0.994\, TLI=0.992). The scales employ sophisticated measurement approaches that assess not only product ownership but also availability\, suitability\, and perceived barriers to financial services. Standardized scoring tables enable conversion of raw scores to 0-30 point scales across domains\, facilitating practical implementation by researchers\, practitioners\, and policymakers. This work provides essential infrastructure for understanding and addressing financial access disparities\, supporting evidence-based interventions that can improve consumer financial outcomes\n\nAuthor(s): Jin Huang\, Julie Birkenmaier\, Yingying Zhang
CATEGORIES:CONCURRENT B
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:a4d6190281c7338d2a07bd4c7c924c60
URL:http://acciconference2026.sched.com/event/a4d6190281c7338d2a07bd4c7c924c60
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B5b Tracking Every Dollar: How Do Information Sources and Financial Access Support Budgeting?
DESCRIPTION:Budgeting is widely recognized as supporting financial well-being\; however\, limited research examines how individuals budget. This study investigates the information sources used for expense tracking and their relationship to budget data quality\, using the 2023 Survey and Diary of Consumer Payment Choice. Descriptive analysis reveals that 65% of individuals rely on multiple information sources\, with financial records being the most common source. Regression analyses show that employing multiple information sources significantly enhances budget data quality\, measured as reductions in imprecise and incomplete expenditure reporting. Although 97% of respondents own financial accounts\, only 66% rely on financial records when budgeting. Results show that financial record use depends on account ownership\, ability to use accounts\, and account service perceptions\, supporting Birkenmaier and Huang's (2024) conceptualization of financial access. These findings suggest that financial education should emphasize multi-source budgeting strategies while addressing both objective and subjective barriers to financial access.\n\nAuthor(s): Madelaine L'Esperance\, Yiling Zhang\, Pan-Ju Chen
CATEGORIES:CONCURRENT B
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:227e02a6ac23d7f9b3201aa586c61b74
URL:http://acciconference2026.sched.com/event/227e02a6ac23d7f9b3201aa586c61b74
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T171500Z
DTEND:20260414T184500Z
SUMMARY:B5c Knowledge Is Not Enough: Race\, Gender\, and the Unequal Returns to Financial Literacy in U.S. Financial Inclusion
DESCRIPTION:Financial inclusion — access to and use of mainstream financial services — remains unequally distributed across the United States population\, yet the mechanisms underlying these disparities are poorly understood at the intersectional level. This study examines how race\, gender\, and objective financial knowledge (OFK) jointly shape financial inclusion outcomes using data from a nationally representative sample of 24\,918 U.S. adults. Employing a weighted multinomial logistic regression model with Gender × Race and Gender × Race × OFK interaction terms\, we compute average marginal effects (AMEs) via counterfactual prediction to estimate the probability of four financial inclusion outcomes: exclusive institutional finance use\, dual use of institutional and alternative financial services\, alternative financial services only\, and complete financial exclusion.\n\nAuthor(s):Mengya Wang\, Christi Wann
CATEGORIES:CONCURRENT B
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:a113438ca94cbf112d6b3ee21bcda449
URL:http://acciconference2026.sched.com/event/a113438ca94cbf112d6b3ee21bcda449
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T190000Z
DTEND:20260414T210000Z
SUMMARY:General Session 1 - Colston Warne Lecture: Dr. Annamaria Lusardi
DESCRIPTION:"The Importance of Financial Literacy: Evidence from 10 Years of Data"\n\nThe lecture will cover the findings from ten years of data of the Personal Finance Index (P-Fin Index)\, a barometer of financial literacy. The P-Fin Index is unique in its capacity to provide a robust measure of overall financial knowledge using 28 questions and allowing a nuanced analysis of personal finance knowledge across eight areas in which individuals routinely function. In addition to describing how financial literacy has changed over time and across demographic groups\, the presentation will also highlight the links between financial knowledge and behaviors and the implications of the findings for teaching\, policy and programs.
CATEGORIES:GENERAL SESSION
LOCATION:International Ballroom III\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:7c74ee7028c33a918a0f5f5bf1ef6257
URL:http://acciconference2026.sched.com/event/7c74ee7028c33a918a0f5f5bf1ef6257
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C1 - Financial Personality Traits
DESCRIPTION:\n
CATEGORIES:CONCURRENT C
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:0ede323d2ea7e755cb9e77460992e5fb
URL:http://acciconference2026.sched.com/event/0ede323d2ea7e755cb9e77460992e5fb
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C1a Personality Traits\, Social Security Claiming Age\, and Financial Satisfaction: Evidence from the 2018 Health and Retirement Study
DESCRIPTION:Social Security is a main source of retirement income for many Americans. The age at which people start taking their Social Security benefits directly influences the amount they receive each month and over their lifetime. Claiming benefits before full retirement age lowers the monthly payment\, while delaying increases it. Even though delaying is often better financially\, most people still claim their benefits early. We use data from the 2018 Health and Retirement Study (HRS)\, which surveys older Americans about their health\, wealth\, and well-being. We review the Big Five personality traits: openness\, conscientiousness\, extraversion\, agreeableness\, and neuroticism\, and explore whether the age of claiming Social Security explains part of the link between these traits and financial satisfaction. Using structural equation modeling\, we find that conscientious people tend to claim retirement later and feel more satisfied\, while agreeable and neurotic people claim earlier and feel less satisfied. Extraversion and openness affect satisfaction directly but not through claiming age. These results demonstrate that Social Security claiming age works as a bridge between personality and financial satisfaction\, highlighting how human psychology shapes retirement outcomes.\n\nAuthor(s):&nbsp\;Mark Evers\, Taufiq Quadria\, Mariya Gavrilova-Aguilar
CATEGORIES:CONCURRENT C
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:97320956631ff3b3979d238612e228c8
URL:http://acciconference2026.sched.com/event/97320956631ff3b3979d238612e228c8
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C1b The Influence of Personality Traits on the Financial Bandwagon Effect: The Moderating Role of Locus of Control
DESCRIPTION:This study explores how personality traits\, specifically conscientiousness and openness\, interact with locus of control to shape financial bandwagon behavior. Integrating insights from behavioral finance and personality psychology\, we employ an ordered probit model to examine how Big Five personality traits and perceived control influence individuals' tendency to follow the crowd in financial decision-making. Findings reveal that both conscientiousness and an internal locus of control are negatively associated with financial bandwagon behavior. However\, the interaction effect suggests that a strong external locus of control can override the cautious nature of conscientious individuals\, increasing their likelihood of bandwagon participation. This nuanced relationship highlights that even disciplined\, risk-averse individuals may conform to herd behavior when they perceive limited personal agency over outcomes. These results underscore the importance of considering both stable personality dimensions and situational cognitive frames when analyzing financial behavior. Practical implications include tailoring financial education and advising strategies to account for individual differences in personality and perceived control. Financial professionals and policymakers can leverage these insights to design interventions that mitigate irrational investment behaviors and enhance decision quality.\n\nAuthor(s):&nbsp\;Yi Liu\, Wookjae Heo\, Blain Pearson\, Hye Jun Park
CATEGORIES:CONCURRENT C
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:e7440effef2fafd3b2f2b99cc702d399
URL:http://acciconference2026.sched.com/event/e7440effef2fafd3b2f2b99cc702d399
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C1c The Role of Locus of Control\, Financial Literacy\, and Retirement Planning in Predicting Life Satisfaction Among Older Women: Variations by Marital Status
DESCRIPTION:This study investigates how midlife psychological traits and behavioral factors influence life satisfaction in later life\, particularly for women. Using data from the National Longitudinal Survey of Youth 1979\, we examined the influence of midlife psychological traits and financial behaviors including locus of control\, financial literacy (objective and subjective)\, and retirement planning\, on life satisfaction among women aged 57 to 65\, and how these relationships vary by marital status. An internal locus of control\, and higher subjective financial knowledge were positively associated with life satisfaction. In contrast\, higher objective financial knowledge was linked to higher likelihood of reporting lower life satisfaction and a reduced likelihood of reporting the highest satisfaction level. Retirement planning was not a significant predictor. Marital status significantly influenced life satisfaction for married women who were more likely to report the highest satisfaction. An interaction between retirement planning and marital status revealed that divorced women who had planned for retirement were more likely to report lower life satisfaction and less likely to report the highest level. These findings reinforce the importance of both psychological and financial factors in determining life satisfaction and highlight the role of marital status in modifying these relationships.\n\nAuthor(s): Rose Wakiria\, Stephanie Rystrom
CATEGORIES:CONCURRENT C
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:49ee683e33aef32e469c96078eff0029
URL:http://acciconference2026.sched.com/event/49ee683e33aef32e469c96078eff0029
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C2 - Longitudinal Financial Research
DESCRIPTION:\n
CATEGORIES:CONCURRENT C
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:bdefbb329033dc386f746ecf9de0ee29
URL:http://acciconference2026.sched.com/event/bdefbb329033dc386f746ecf9de0ee29
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C2a Depression as a Mediator Between Widowhood and Financial Strain: A Longitudinal Analysis of Widows and Widowers
DESCRIPTION:This study examines the relationship between widowhood\, depression\, and financial strain\, with a focus on gender differences in these pathways. Using longitudinal data from the Health and Retirement Study (HRS)\, we investigate how the transition into widowhood affects individuals’ mental health and financial well-being. While prior research suggests that women experience greater direct financial consequences of widowhood\, men often report higher levels of depression. Our analysis applies a moderated mediation model based on the Stress Process Framework to test whether depression mediates the relationship between widowhood and financial strain\, and whether marital history (length and number of prior marriages) moderates these effects. Findings indicate that women face both direct financial shocks and indirect effects through depression\, while men’s financial strain occurs primarily through the psychological pathway of depression. Results highlight that depression is a universal risk factor for financial difficulty\, regardless of gender. These findings have significant implications for financial planners\, consumer educators\, and mental health professionals by emphasizing the importance of tailored interventions that recognize gendered vulnerabilities. This research contributes to consumer well-being by providing insights that support the development of more effective financial planning and counseling strategies for widowed individuals.\n\nAuthor(s): Kevin Bayani\, Kristy Archuleta
CATEGORIES:CONCURRENT C
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:d89027ce60ac6d1e4c81c0cb13f42e1f
URL:http://acciconference2026.sched.com/event/d89027ce60ac6d1e4c81c0cb13f42e1f
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C2b Financial Preparedness and Early Economic Outcomes of Youth Transitioning from Foster Care: Year 1 Findings from a Longitudinal Study
DESCRIPTION:Youth transitioning from foster care face steep challenges in education\, employment\, housing\, and financial stability as they move into adulthood without the safety net of family support. This study presents Year 1 findings from a five-year longitudinal project examining how prepared transition-age foster youth feel in core domains of adulthood\, including school and job training\, employment\, money management\, housing\, and independent living. Results show youth feel most confident in daily living skills and job readiness\, but less prepared in financial literacy and housing stability. While many remain enrolled in school\, a concerning subset is disconnected from both education and employment\, signaling high risk for long-term instability. Employment patterns largely reflect developmental priorities\, with part-time work typical among students. These findings highlight the need for targeted financial literacy programs\, housing supports\, and education completion initiatives. Insights directly inform policy and practice to strengthen economic well-being and self-sufficiency among this vulnerable population.\n\nAuthor(s): Selena Garrison\, Martie Gillen\, Diamond Whitley\, Morgan Cooley
CATEGORIES:CONCURRENT C
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:0cf4babec975a79aa2c15ac6e75e291b
URL:http://acciconference2026.sched.com/event/0cf4babec975a79aa2c15ac6e75e291b
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C2c The Power of Patience: A Global Longitudinal Study of Delayed Gratification and Its Impact on Financial Well-Being
DESCRIPTION:The ability to delay gratification has long been linked to favorable life outcomes\, including financial well-being. Yet\, most existing evidence comes from small-scale or cross-sectional studies\, often limited to WEIRD (Western\, Educated\, Industrialized\, Rich\, and Democratic) populations. This study draws on longitudinal data from more than 207\,000 adults across 22 countries and one territory who participated in the Global Flourishing Study\, surveyed at two time points approximately one year apart (2022–2024). We examined whether individuals’ propensity to delay gratification predicted subsequent financial well-being\, measured with four indicators: financial security\, material security\, subjective perception of household income\, and high-income attainment. Country-specific multivariate regression models\, adjusted for demographic and childhood variables\, were estimated and synthesized using random-effects meta-analysis. Robustness tests were conducted. Results showed that delayed gratification prospectively predicted greater financial security\, material security\, and more positive perceptions of household income\, but not actual income attainment. Effect sizes were modest and varied across countries\, with the strongest associations observed in WEIRD societies and for subjective financial outcomes. These findings highlight delayed gratification as an important\, though culturally contingent\, predictor of financial well-being. They also point to the need for culturally informed consumer education and policy strategies.\n\nAuthor(s): Dorota Weziak-Bialowolska\, Piotr Bialowolski\, Ying Chen\, Eric Kim\, Richard Cowden\, Noah Padgett\, Byron Johnson\, Tyler VanderWeele
CATEGORIES:CONCURRENT C
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:46ec925a9ab8e4b183a8c9b7bee8206d
URL:http://acciconference2026.sched.com/event/46ec925a9ab8e4b183a8c9b7bee8206d
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C3 - AI and Fintech
DESCRIPTION:\n
CATEGORIES:CONCURRENT C
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:04b7ad1b036d9eb17bd745c52d0751e8
URL:http://acciconference2026.sched.com/event/04b7ad1b036d9eb17bd745c52d0751e8
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C3a Fintech Familiarity\, Usage\, And Implications for Rural Financial Planning: Evidence from Southern U.S. Agricultural Producers
DESCRIPTION:Motivated by the Diffusion of Innovations (DOI) Theory\, we examine how agricultural producers in the Southern United States understand and use FinTech tools. We investigate factors associated with FinTech familiarity and the actual usage of FinTech services. Results showed that technological access\, specifically smartphone\, computer/laptop\, and internet ownership\, links to higher usage of mobile banking\, online payments\, digital wallets\, and investment apps. Higher education and 5–20 years of agricultural experience significantly increase familiarity\, while younger producers.\n\nAuthor(s): Tanaka Chimbane\, Olamide Olajide\, Kelly Lange
CATEGORIES:CONCURRENT C
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:ff414e32eb28757aec46741a98647230
URL:http://acciconference2026.sched.com/event/ff414e32eb28757aec46741a98647230
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C3b Trusting the Algorithm: Factors Influencing Public Sector Employee Comfort with AI for Financial Planning
DESCRIPTION:This study explores the factors influencing public sector employees’ comfort with using artificial intelligence (AI) tools for financial decision-making. Leveraging an extended Unified Theory of Acceptance and Use of Technology (UTAUT) framework\, the research analyzes survey data from 1\,994 respondents to identify key predictors of AI comfort. The study examines four core constructs—perceived usefulness\, effort expectancy\, financial planning behavior\, and organizational support—alongside demographic and socioeconomic controls. Using ordinal logistic regression\, the findings reveal that comfort with AI is more strongly associated with confidence in AI-generated outputs\, frequency of AI interaction\, and perceived organizational readiness than with traditional demographic factors. Surprisingly\, perceived utility of AI in retirement planning was negatively associated with comfort\, suggesting a disconnect between expected benefits and user trust. The study highlights the importance of trust-building\, exposure\, and institutional support in fostering AI adoption. Implications include the need for user-centered design\, targeted training\, and policy initiatives that promote digital financial literacy. These insights contribute to the growing body of research on technology acceptance and offer practical guidance for organizations seeking to integrate AI into consumer financial services.\n\nAuthor(s): Richard Stebbins\, Zhikun Liu
CATEGORIES:CONCURRENT C
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:c69f4fccac3600ac4a7bcadade504c04
URL:http://acciconference2026.sched.com/event/c69f4fccac3600ac4a7bcadade504c04
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C3c Who Uses AI in Financial Planning? Evidence from Survey Data
DESCRIPTION:This preliminary study uses survey data to investigate the relationship between demographic\, financial\, and behavioral characteristics and the likelihood of AI adoption in financial planning. By applying statistical techniques\, including correlation analysis and logistic regression\, the research identifies the factors most strongly associated with the adoption of AI. The findings aim to contribute to the understanding of technology diffusion in financial planning and to provide insights for practitioners\, educators\, and policymakers seeking to encourage effective use of AI tools.\n\n Author(s):&nbsp\;Weipeng Wu\, Keli Cheng
CATEGORIES:CONCURRENT C
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:06fa09ff567612f8de34ad5ff7604a2e
URL:http://acciconference2026.sched.com/event/06fa09ff567612f8de34ad5ff7604a2e
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C4 - College Student Wellbeing
DESCRIPTION:\n
CATEGORIES:CONCURRENT C
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:0e6a59440adf7a2bcd7a673a40296c40
URL:http://acciconference2026.sched.com/event/0e6a59440adf7a2bcd7a673a40296c40
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C4a Cultural Framing and Consumer Education: Enhancing Healthy Eating Intentions among College Students
DESCRIPTION:This study\, based on original data collection and the creation of tailored educational videos specifically produced for this research\, investigates the effectiveness of short consumer education videos in shaping students’ intentions to increase fruit and vegetable consumption. The interventions included a control group and varied in framing: neutral (informational)\, positive (gains)\, and negative (losses). Cultural orientations\, measured by Hofstede’s dimensions\, were also tested as potential moderators. Data were collected from over 400 students at a large public university using a randomized between-subjects design. Results show that positively framed videos significantly increased intentions compared to control\, while neutral and negative framings had little effect. Cultural orientations\, particularly long-term orientation and uncertainty avoidance\, strongly predicted higher intent\, and female students reported greater likelihood than males. These findings highlight the importance of message framing and cultural context in promoting healthier eating intentions. By linking consumer education\, culture\, and nutrition\, this study offers evidence for scalable\, low-cost interventions that resonate with diverse student populations and support ACCI’s mission to enhance consumer and family well-being.\n\nAuthor(s): Francisco Diaz
CATEGORIES:CONCURRENT C
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:2cfe1ae964ccd01ae4d1484a1407ec04
URL:http://acciconference2026.sched.com/event/2cfe1ae964ccd01ae4d1484a1407ec04
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C4b Financial Independence and Mental Health of Young Adult College Students
DESCRIPTION:This study explores the relationship between financial independence and mental health among emerging adult college students\, focusing on two key psychological indicators: anxiety and flourishing. Drawing on data from college students across two U.S. universities\, the research examines how varying levels of financial responsibility - measured through funding sources\, itemized expenses\, and self-reported motivation - relate to scores on the Generalized Anxiety Disorder Scale (GAD-7) and the Flourishing Scale (FS).\n\nAuthor(s): Nilton Porto\, Jing Jian Xiao\, Ashley LeBaron-Black\, Mariyam Abbas
CATEGORIES:CONCURRENT C
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:cbb62cd2ef190dc049df480043bb3494
URL:http://acciconference2026.sched.com/event/cbb62cd2ef190dc049df480043bb3494
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C4c Financial Independence and Personal Finance Topics Demanded by College Students
DESCRIPTION:In this study\, we used data collected from college students at five universities in the U.S. to explore personal finance topics demanded by college students. Budgeting\, cash management\, the financial planning process\, and investing are the four topics most frequently chosen by the surveyed students as helpful topics in financial education. We also explored if there are differences in personal finance topics demanded by college students in terms of four sets of financial independence factors: independence level\, independence motivation\, funding source\, and financial responsibility. The results indicate that comparatively\, financial responsibility and funding source show more differences in personal finance topics demanded by college students than the other two sets of variables: independence level and independence motivation. The findings indicate that when designing personal finance courses for college students\, differences in financial independence and motivation may not be effective predictors. Students across various levels of financial independence and motivation may benefit equally from these topics\, though their reasons for engaging with them may differ.\n\nAuthor(s): Jing Jian Xiao\, Axton Betz-Hamilton\, Brandan Wheeler\, Nilton Porto\, Mariyam Abbas
CATEGORIES:CONCURRENT C
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:b99109905113a216c075857e4b60fcb7
URL:http://acciconference2026.sched.com/event/b99109905113a216c075857e4b60fcb7
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C5 - Consumption and Housing
DESCRIPTION:\n
CATEGORIES:CONCURRENT C
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:0194cb55371e966b0fb49775a536bccf
URL:http://acciconference2026.sched.com/event/0194cb55371e966b0fb49775a536bccf
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C5a Greed or Need: Study on the Impact of Consumer Expectations and Surprise on Food Consumption in All-You-Can-Eat Restaurants
DESCRIPTION:This study examines how consumer expectations influence food consumption in all-you-can-eat restaurants. Conducted with 313 diners at a Korean BBQ buffet offering premium and standard menu options\, participants were randomly assigned to one of four groups based on their menu choice and whether they received a surprise discount or a free upgrade. Results show that higher expectations—shaped by cues like price and perceived food quality—lead to increased consumption. Unexpected discounts or free upgrades did not significantly alter consumption\, suggesting that once expectations are set\, they strongly guide behavior regardless of actual changes in offerings. Nonetheless\, both types of expectancy violations improved perceived satiety and value. These findings highlight that consumption behavior is anchored in initial expectations\, which persist even when actual conditions change\, emphasizing the psychological over the economic determinants of buffet dining behavior.\n\nAuthor(s): Phumsith Mahasuweerachai\, Sirikarn Phuchada
CATEGORIES:CONCURRENT C
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:b9201a0bb038209e29deda52564b3f0d
URL:http://acciconference2026.sched.com/event/b9201a0bb038209e29deda52564b3f0d
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C5b Homeownership: Should Advisors Ignore the Elephant in the Room?
DESCRIPTION:There appears to be an advisor blind spot to the presence of a very large asset found in most households: the home. Add to this\, the finding that households in the United States have a widespread problem of retirement inadequacy (Board of Governors of the Federal Reserve System\, 2019). While the use of reverse mortgages and home equity later in life is more recently at the forefront of financial planning to help with this inadequacy\, there should also be lifestyle discussions initiated by a financial planner when a client is buying a home\, and throughout home ownership (such as decisions about refinancing\, moving to a larger home) to make better home ownership financial decisions throughout life and ensure retirement success (Herring\, 2019). Data derived from a Financial Advisors survey shows a consensus on needing to advise clients on varying housing matters and a diversity of responses on whether they feel adequately educated to do so. Lifestyle choices are for the client to decide\, but the financial planner should be prepared to offer advice on a variety of priorities\, including the home\, which is often a client’s most valuable asset (Blanchett\, 2017).\n\nAuthor(s): Cindy Shnaider
CATEGORIES:CONCURRENT C
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:69d5e433ff7512180ddca3ad2a25a8b1
URL:http://acciconference2026.sched.com/event/69d5e433ff7512180ddca3ad2a25a8b1
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T211500Z
DTEND:20260414T224500Z
SUMMARY:C5c Paying for the Past\, Delaying the Future: A Longitudinal Study of Student Loans and Millennial Homeownership
DESCRIPTION:This study examines the relationship between student loans and homeownership in the United States\, with a particular focus on how this relationship evolves over time. Using longitudinal data and fixed-effects logistic regression models\, we analyze whether student loans deter homeownership among individuals in early adulthood. The models incorporate time-varying financial and demographic predictors\, as well as an interaction term to evaluate temporal changes in the effect of student loans. The findings reveal that while student loans do not have a significant impact on homeownership on average\, their negative effect is pronounced early in adulthood and diminishes over time. Higher income and marital status are consistently associated with increased odds of homeownership\, whereas urban residence significantly reduces the likelihood of owning a home. These results highlight the dynamic nature of financial constraints and emphasize the importance of policies supporting homeownership\, particularly for those burdened by student debt during early career stages.\n\nAuthor(s): Jodi Letkiewicz\, HanNa Lim
CATEGORIES:CONCURRENT C
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:59c073eb325ffbd1c771d5bb122e2a49
URL:http://acciconference2026.sched.com/event/59c073eb325ffbd1c771d5bb122e2a49
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T224500Z
DTEND:20260414T230000Z
SUMMARY:Beverage Refreshment Break
DESCRIPTION:Coffee\, tea\, soda\, and water.\n\nSponsored by:\n\n
CATEGORIES:FOOD & BEVERAGE
LOCATION:Promenade\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:33d13b39dd32fa8f3739a1227be604cb
URL:http://acciconference2026.sched.com/event/33d13b39dd32fa8f3739a1227be604cb
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260414T230000Z
DTEND:20260415T001500Z
SUMMARY:General Session 2 - ACCI Business Meeting
DESCRIPTION:Business Meeting
CATEGORIES:GENERAL SESSION
LOCATION:International Ballroom III\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:a2eaaac8df290089eb25c2f83c1f9d39
URL:http://acciconference2026.sched.com/event/a2eaaac8df290089eb25c2f83c1f9d39
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T002900Z
DTEND:20260415T013000Z
SUMMARY:Poster Session & Reception "Conversation & Libation"
DESCRIPTION:\n
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:3a3ef5d4d99286356c832a72d36990f8
URL:http://acciconference2026.sched.com/event/3a3ef5d4d99286356c832a72d36990f8
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P101 Active Vs Passive Funds Investment Decision: The Role of Financial Literacy and Financial Education
DESCRIPTION:The study aims to assess how financial education on the differences between active and passive mutual funds\, their costs\, and the concept of time diversification can shape investor preferences. A sample of (around) 1\,000 Italian residents participated in a quasi-experimental Randomized Controlled Trial (RCT)\, in which a control group was compared to different treatment groups exposed to similar (though not identical) financial education interventions. The results show that financial education can not only increase financial literacy but also influence the investment decisions of those who develop a better understanding of these products.\n\nAuthor(s): Gianni Nicolini\, Ugo Pomante
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:500bffcd0d7a7024d9e37a87314e24da
URL:http://acciconference2026.sched.com/event/500bffcd0d7a7024d9e37a87314e24da
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P102 Analysis of Time\, Money and Health Education Model
DESCRIPTION:Time\, money\, and health are vital resources that shape individual and family well-being. This project\, developed during the pandemic\, was designed to help people make rational decisions as a pathway to long-term success. Drawing on more than five years of data\, the project surveyed 223 college students in a Mid-Western urban university. The researchers employed descriptive\, correlation\, and regression analyses to identify key patterns on of college student time\, money\, health\, and how these patterns are related to their economic wellbeing. The findings indicated the college students have a stronger time management skill than health and wealth management skills. The study also demonstrated a statistically significant correlation between time and health\, health and money\, money and time. These findings provide insights to inform the design of future educational programs\, guide further scholarly research\, and inspire policy innovation aimed at enhancing consumer and family economic well-being. Based on 5 years data from this project\, the researchers analyze the data to report descriptive\, correlations and regression results.\n\nAuthor(s): Baomei Zhao\, Xin Liangactions\, Pamela Schulze\, Timothy McCarragher\, Becky Thomas\, Jinjing Wang\, Jennifer Davisactions\, Robert Terry\, Joann Xi
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:7d6d5bf54f2719936eb2fd773e563214
URL:http://acciconference2026.sched.com/event/7d6d5bf54f2719936eb2fd773e563214
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P103 Anchoring Effect\, Loss Aversion\, and Bidders’ Behavior: New Evidence from NFT Auctions
DESCRIPTION:We study anchoring effects and loss aversion in the Non-Fungible Token market using comprehensive user-auction data from CryptoPunks. Using the last period’s transaction price as the reference point\, we separately measure anchoring effects and loss aversion for sellers and bidders. Our findings reveal that both sellers and bidders exhibit loss aversion\, though the magnitude of loss aversion is significantly smaller for bidders. The analysis also confirms the presence of anchoring effects in both groups\, with bidders displaying weaker effects than sellers\, possibly due to signaling dynamics. Furthermore\, we show that negotiations between sellers and bidders result in an intermediate level of loss aversion\, falling between their individual measured levels. We also test whether experience influences loss aversion within both groups. For sellers\, greater experience mitigates loss aversion\, whereas for bidders\, the results are mixed\, with some evidence suggesting that experience may even increase their loss aversion in the NFT market.\n\nAuthor(s): Xiangchen Liu\, Yu Wang\, Lin Cong
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:ec7b1d984e99b1ca68fa0a117f740f09
URL:http://acciconference2026.sched.com/event/ec7b1d984e99b1ca68fa0a117f740f09
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P104 Association Between Work-Life Boundary Setting and Perceived Well-Being Among Family Childcare Providers
DESCRIPTION:Unlike other professionals who work from home\, family childcare providers share their homes with the children they serve\, parents who bring in their children\, and\, in some cases\, additional employees. Because their home serves both their business and private lives\, physical boundaries can blur unless the provider\, their family\, and individuals who enter the home for any reason are all clear about such boundaries. The purpose of this study is to describe 1) how those operating family childcare businesses in their homes negotiate physical boundaries between their business and home lives and 2) how the physical boundary setting is associated with perceived well-being among providers. The preliminary findings suggest creating physical boundaries is one way that families operating businesses in their homes manage time\, space\, and available objects to promote well-being.\n\nAuthor(s): Yoko Mimura\, Holli Tonyan\, Yi Cai
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:99d66cc3176ea579a75de7ba4dab301c
URL:http://acciconference2026.sched.com/event/99d66cc3176ea579a75de7ba4dab301c
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P105 Behavioral Externalities of AI in Consumer Finance
DESCRIPTION:This paper introduces asystems-based conceptual frameworkto map and analyze behavioral externalities of AI in consumer finance. The goal is to advance scholarly understanding of how technology interacts with consumer psychology\, regulatory environments\, and market structures. Traditional economic notions of externalities focus on quantifiable costs or benefits that fall outside the primary transaction. This paper extends that concept to includebehavioral spillovers: non-market interactions that subtly erode financial literacy\, autonomy\, and fairness. Current research on AI in finance focuses largely on technical metrics of accuracy and efficiency or macroeconomic outcomes (Barocas et al.\, 2023\; Sunstein\, 2024). Yet\, the daily experience of end-users engaging with AI-powered tools reveals patterns of disengagement\, dependency\, overconfidence\, or exclusion that are poorly captured by these lenses. A systems view helps bridge this gap by considering technology\, human behavior\, and institutional design as interconnected and evolving.\n\nAuthor(s): Purushottam Bhandare\, Wookjae Heo
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:662ed77f3633a9d6bf4743dca66b68ac
URL:http://acciconference2026.sched.com/event/662ed77f3633a9d6bf4743dca66b68ac
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P106 Breaking Barriers: Exploring the Lived Experiences of Black Women in Executive Hospitality Leadership
DESCRIPTION:This study explores the lived experiences of Black women executives in the U.S. hospitality industry\, focusing on career advancement\, systemic barriers\, support systems\, and sense of belonging. Despite representing approximately 11% of the accommodation and foodservice workforce\, Black women account for only 0.2% of executive positions. Using narrative inquiry\, the study privileges participants’ voices to illuminate how overlapping identities of race and gender shape leadership trajectories. Data will be collected through two rounds of semi-structured interviews and optional written reflections with approximately 10 executives across lodging\, foodservice\, events\, and tourism. Guided by Intersectionality Theory and Sense of Belonging Theory\, the research examines both structural inequities (mentorship\, sponsorship\, organizational culture) and relational dynamics (inclusion\, microaggressions\, belonging cues). Preliminary pilot interviews indicate that sponsorship gaps\, exclusion from informal networks\, and conditional belonging are central challenges. Findings will inform organizational practices that advance equity\, strengthen retention\, and improve consumer experiences. By addressing an understudied population in hospitality leadership\, the study contributes new insights for workforce development\, policy\, and consumer well-being.\n\nAuthor(s): Annemarie Turpin
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:54a6c4f3c88d9303c8909ed2687b26ca
URL:http://acciconference2026.sched.com/event/54a6c4f3c88d9303c8909ed2687b26ca
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P107 Breaking the Negativity Bias: How Post-Error Explanations Drive Consumer Trust Recovery in Digital Financial Advisory
DESCRIPTION:This study examines whether structured explanations can overcome the negativity bias in consumer trust recovery following algorithmic errors in digital financial advisory services. Using a three-round experimental design with 294 participants\, we tested a temporal trust dynamics framework comprising trust formation\, single-error shock\, and post-error repair stages. Results demonstrate that brief post-error explanations achieved substantial trust recovery\, restoring 79-92% of initial trust damage across trust\, satisfaction\, and reliance measures. Financial literacy moderated these effects\, with high-literacy participants showing 15-20% greater recovery levels. Round-by-explanation interactions were significant for all outcomes\, confirming that explanations can quantitatively reverse negativity bias effects. Recovery Ratio analyses provide concrete benchmarks for financial service providers\, suggesting a minimum restoration rate of 80% as performance targets. These findings have significant implications for consumer protection policy and financial service design\, demonstrating that effective error management can maintain consumer confidence\, prevent costly switching behaviors\, and protect family economic well-being.\n\nAuthor(s):&nbsp\;Jihyung Han\, Daekyun Ko
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:6dbd5eb9b35e3201e79dc026971e301f
URL:http://acciconference2026.sched.com/event/6dbd5eb9b35e3201e79dc026971e301f
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P108 Connecting the Investment Dots: A Canonical Correlation Analysis on Information Sources\, Market Regulation\, and Financial Knowledge
DESCRIPTION:This study uses canonical correlation analysis and the 2021 National Financial Capability Study (NFCS) to discover the potential relationship between investment product types and 1) information sources\, 2) market regulation\, and 3) financial and investment knowledge when investors make investment decisions.\n\nAuthor(s): Pengyu Qian\, Donald Lacombe
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:5df301c709ccb9b06aad7315077d2376
URL:http://acciconference2026.sched.com/event/5df301c709ccb9b06aad7315077d2376
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P109 Consumer Digital Literacy and the Use of AI-Based Services
DESCRIPTION:This study examines how digital literacy shapes consumers’ use of AI-based services in finance and health. Drawing on data from the 2023 Intelligent Information Society User Panel Survey conducted by the Korea Communications Commission\, we analyze responses from 4\,581 individuals aged 15 to 69 in Korea. Six sub-dimensions of digital literacy—daily-life\, rights protection\, critical understanding\, production & sharing\, social participation\, and security—are assessed through self-reported measures. Binary logistic regression and U-shape tests reveal that the effects of literacy are domain-specific and non-linear.In finance\, daily-life\, rights protection\, and production & sharing literacy are positively associated with adoption\, whereas security literacy shows no significant effect. In health\, security and rights protection literacy are positively associated\, whereas critical understanding literacy is negatively related. Notably\, social participation literacy follows an inverted U-shape\, with moderate levels linked to greater adoption.These results imply that the benefits of AI-based services are not distributed evenly but vary according to the different dimensions of digital literacy and suggest that existing policies centered solely on enhancing access to digital technologies may be insufficient.\n\nAuthor(s): Youngwon Nam\, Jin-Myong Lee\, Kyuri Hong
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:5ba2387619f7a0396a8a5100aa067f97
URL:http://acciconference2026.sched.com/event/5ba2387619f7a0396a8a5100aa067f97
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P110 Consumer Programs in Universities
DESCRIPTION:Investigation of current consumer programs in universities\, their names\, missions\, locations in theuniversity.Are we prepared for the future?\n\nAuthor(s): Irene Leech
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:14a27495c06d5401bcc85aa489085207
URL:http://acciconference2026.sched.com/event/14a27495c06d5401bcc85aa489085207
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P111 Cryptocurrency Use Among Banked and Unbanked Americans: Evidence from a National Panel
DESCRIPTION:Cryptocurrency is often promoted as a tool for financial inclusion\, particularly for individuals who are unbanked or financially vulnerable. This paper evaluates that assumption using nationally representative survey data from over 47\,000 U.S. adults across multiple years. We estimate random-effects logistic regression models to examine four types of cryptocurrency use: investment\, payments\, transfers\, and any use. We test how usage varies by banking status\, financial vulnerability\, financial literacy\, and key demographic and socioeconomic factors. Contrary to popular narratives\, we find that unbanked individuals are significantly less likely to use cryptocurrency\, even after controlling for income\, education\, and financial literacy. Financially vulnerable respondents are also less likely to engage with crypto across most use types. Instead\, cryptocurrency use is most common among younger\, male\, employed\, college-educated individuals\, especially Black Americans. While financial literacy and income interact in some contexts\, their effects are inconsistent. The dominant predictors of cryptocurrency use remain age\, gender\, race\, and education. Overall\, our results suggest that cryptocurrency adoption in the U.S. is not being driven by economic exclusion but rather by more financially and digitally integrated populations\, challenging claims that crypto is currently serving as an alternative for the underserved.\n\nAuthor(s):&nbsp\;Gary Curnutt\, Hem Basnet
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:e4ba17c9a4e7af24a59bf121076a7612
URL:http://acciconference2026.sched.com/event/e4ba17c9a4e7af24a59bf121076a7612
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P112 Disaster Risk\, Alternative Financial Services\, and Community Economic Resilience
DESCRIPTION:This study examines the relationship between natural-disaster risk and households’ contingency financial strategies and assess whether financial capability moderates those relationships. Using the 2021 National Financial Capability Study (NFCS)\, matched geographically to FEMA’s National Risk Index (NRI)\, this study tests whether residents in higher-risk areas are more likely to use short-term\, high-cost borrowing (e.g.\, payday loans\, cash advances) or maintain emergency savings\, and whether perceived money management ability (PMMA) and objective financial knowledge moderate these financial behaviors.\n\nAuthor(s): Yunhee Chang\, Younghee Lim\, Swarn Chatterjee
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:4116b2b0ad206525476d18e5b4d1179c
URL:http://acciconference2026.sched.com/event/4116b2b0ad206525476d18e5b4d1179c
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P113 Enclaves as Buffers or Amplifiers? Immigrant Communities and the Chilling Effect of Welfare Policy
DESCRIPTION:I present evidence on the relationship between immigrant co-country-of-origin enclave exposure and public benefit participation among mixed-status households following the 2018 public charge rule announcement. Specifically\, I estimate the effects of residential enclave exposure on SNAP and Medicaid enrollment using a triple differences strategy\, exploiting variation between enclave exposure\, household immigration status\, and temporal changes before and after the policy shift. Immigrant populations often form strong social ties and tend to cluster in specific geographic areas\, a pattern well-documented in prior research. These self-selected communities create informal social networks that have been shown to shape both positive and negative economic outcomes\, such as differences in income\, banking behavior\, and occupational choices. Building on models of information diffusion\, I examine how immigrant households respond to a major policy shock: the public charge rule change. Since non-citizens were the only group directly affected\, the analysis isolates three levels of impact: individual level\, household level\, and community level. This study highlights the multi-layered consequences of policy shocks on immigrant communities and underscores the importance of considering enclave dynamics when evaluating access to public programs.\n\nAuthor(s): Wanting Jiang
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:0c9c33805359384d89d3b88fb9ba56d5
URL:http://acciconference2026.sched.com/event/0c9c33805359384d89d3b88fb9ba56d5
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P114 Examining Characteristic Barriers Qualifying Taxpayers Face in Filing Returns and Claiming the Earned Income Tax Credit (EITC)
DESCRIPTION:This research examines eligible taxpayers' characteristics and barriers when filing tax returns with the Internal Revenue Service and claiming the Earned Income Tax Credit for low-income families. Despite the potential benefits of EITC\, the IRS consistently reports that close to 19.2 percent of eligible taxpayers fail to claim it. The study compared tax return filers' and non-filers' characteristics using survey data from 559 EITC-eligible respondents across two waves of Tax Years 2017–2019 and Tax Year 2020. Findings showed significant differences across demographic\, health\, and psychological factors. Tax return filers exhibited better overall well-being\, including better physical and mental health\, hope\, and life satisfaction than non-filers. Conversely\, non-filers consistently reported higher food and housing insecurity\, along with higher levels of loneliness and depression. Unexpectedly\, non-filers reported higher financial self-efficacy and subjective financial knowledge\, suggesting potential overconfidence.\n\nAuthor(s): Catherine Asiimwe\, Lance Palmer\, Travis Mountain\, Wil Golden
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:503373f609931cfa59e8a9db5574f270
URL:http://acciconference2026.sched.com/event/503373f609931cfa59e8a9db5574f270
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P115 Examining Financial Literacy of Hispanic Student Parents in Higher Education
DESCRIPTION:Student parents\, defined as students enrolled in a degree or certificate program who provide more than half of the financial support for a dependent child\, represent one of the most vulnerable populations in higher education. They face compounded challenges including childcare costs\, housing instability\, and financial strain\, which contribute to disproportionately low persistence and degree completion rates. While their heightened financial needs are well documented\, little research has explored their levels of financial literacy or their use of financial and academic support resources. This study seeks to examine the financial literacy\, challenges\, and resource utilization of student parents at a four-year Hispanic-Serving Institution on the West Coast. A survey will be administered to expecting parents and student parents with at least one dependent child. The survey includes demographic questions\, measures of financial literacy using the Consumer Financial Protection Bureau’s Financial Well-Being Scale\, and open-ended questions on financial and academic support needs. The study is expected to reveal student parents’ financial literacy and the gap between what resources student parents need and what resources are available. Findings will inform the development of tailored financial literacy and academic support programs designed to improve financial stability and educational persistence of student parents.\n\nAuthor(s): Youngok Jung
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:930943e25538fd0fee943dbb0d34d0f9
URL:http://acciconference2026.sched.com/event/930943e25538fd0fee943dbb0d34d0f9
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P116 Financial Inclusion through Investment Participation: Trust\, Liquidity\, and Demographic Barriers in the United States
DESCRIPTION:This study examines the structural and behavioral barriers to investment participation in the United States. Using nationally representative data from the Survey of Consumer Finances\, the National Financial Capability Study\, and the Survey of Household Economics and Decisionmaking\, it investigates how liquidity constraints interact with institutional trust and social trust to shape investment behavior. The research highlights that financial inclusion extends beyond access to banking and credit\, particularly in the context of rising housing costs\, wage stagnation\, and growing wealth inequality. It considers how demographic factors such as gender\, education\, and occupational class moderate these relationships and examines how localized trust shocks\, such as banking scandals or fraud events\, influence participation. The findings will provide evidence to inform policy and practice that moves beyond access toward fostering meaningful participation in financial markets for all households.\n\nAuthor(s): Maheen Akram
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:d7bc6c8cdffccd0e2fd01c152d7ef89f
URL:http://acciconference2026.sched.com/event/d7bc6c8cdffccd0e2fd01c152d7ef89f
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P117 Framing the Cost of Going Green: Differential Drivers of Financially vs. Effort Costly Pro-Environmental Behaviors
DESCRIPTION:Amid growing concerns over the climate crisis\, this study examines how agency framing shapes consumers’ pro-environmental behavior (PEB) when different types of costs are involved. Drawing on cost–benefit theory\, we distinguish between financial costs\, such as higher expenses\, and effort costs\, such as time and psychological and physical investment. An online survey was conducted with 210 Korean parents in their 40s\, randomly assigned to personal agency (I-frame) or interpersonal agency (we-frame) conditions. Respondents evaluated PEB scenarios in terms of perceived effectiveness\, delayed trap\, perceived benefits\, and perceived burden. Multiple regression analyses revealed that perceived benefit was a consistent predictor of both financial and effort cost PEB intentions\, while perceived effectiveness additionally predicted effort-cost PEB. Interaction effects further showed that perceived benefit exerted a stronger positive influence on effort-cost PEB under we-framing\, whereas delayed trap influenced financial-cost PEB positively under I-framing but negatively under we-framing. These findings demonstrate that cost type and agency framing jointly shape consumer intentions. The study contributes by highlighting agency as a mechanism that extends discussions of PEB beyond altruism to consumer empowerment and well-being\, and offers practical guidance for tailoring communication strategies to promote sustainable behavior.\n\nAuthor(s):Eunbi Kang\, Hyesun Hwang
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:f7402a9562ab6f716927a61a330a214d
URL:http://acciconference2026.sched.com/event/f7402a9562ab6f716927a61a330a214d
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P118 Mapping Personal Finance Education across the US: High School Personal Finance Course Offerings in 2026
DESCRIPTION:As more states adopt personal finance course requirements for high school graduation\, it is important to document student access each year as well as trends over time and geography. As more states near the effective date for implemented state graduation requirements\, it is especially important to document changes in student access. Seven states are set to implement their graduation requirement for graduating classes of 2026 and 2027. In addition to states with new graduating classes required to complete a personal finance course\, states with fully implemented graduation requirements have in some cases rolled back student access. The present study documents these changes in student access over time that arise from implementation of these state laws on the ground with data at the course level.\n\nAuthor(s): Madelaine L'Esperance\, Diana Cuatra\, Aydan Heilman\, Nathan Wallace
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:c65b03d22e9210ba6e7af16c67a0aeea
URL:http://acciconference2026.sched.com/event/c65b03d22e9210ba6e7af16c67a0aeea
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P119 Measuring Consumer Preparedness in the Age of AI: Development of the Scale of Artificial Intelligence Literacy (SAIL)
DESCRIPTION:Artificial Intelligence (AI) is rapidly transforming consumer finance\, education\, and health systems\, influencing everyday decision-making and household well-being. Yet\, consumers’ ability to understand\, evaluate\, and apply AI remains limited\, creating new risks and challenges. This submission introduces the Scale of Artificial Intelligence Literacy (SAIL)\, a new instrument designed to measure AI-related competencies in consumer contexts. Developed through a systematic review of 43 scholarly and policy sources\, SAIL identifies three core domains of AI literacy: conceptual knowledge of AI\, ethical awareness and bias recognition\, and applied consumer readiness. A set of 38 draft items has been developed and structured into subscales aligned with these domains\, using Likert-type response options. By providing a validated measure of consumer AI literacy\, SAIL addresses a critical gap in the literature and offers a foundation for research\, education\, and practice. The scale enables financial educators\, policymakers\, and practitioners to assess consumer preparedness\, identify vulnerabilities\, and design interventions that promote resilience in the digital economy. This work aligns with the mission of the American Council on Consumer Interests (ACCI) to enhance consumer and family well-being in the face of emerging technological change.\n\nAuthor(s): Marlene Haupt\, Swarn Chatterjee
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:0a540f81adce4901a72d30185cd0b479
URL:http://acciconference2026.sched.com/event/0a540f81adce4901a72d30185cd0b479
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P120 Moderating Role of Environmental Self-Efficacy in the Relationship Between Environmental Risk Perception and Pro-environmental Behavior: Focusing on the Differences between Developing and Developed Countries
DESCRIPTION:This study examines how environmental self-efficacy moderates the relationship between environmental risk perception and pro-environmental behavior\, focusing on differences between developing and developed countries. Using data from the International Social Survey Programme (ISSP) 2020 Environment Module\, we analyzed responses from 27\,255 individuals across 28 countries\, classifying them by Human Development Index. Pro-environmental behavior was measured through recycling\, avoiding environmentally harmful products\, and engaging in eco-friendly actions despite additional costs or time. Perceived agricultural and atmospheric environmental risks served as independent variables\, while self-efficacy was tested as a moderator. Results reveal that in developing countries\, agricultural risk perception significantly predicts pro-environmental behavior\, particularly when reinforced by self-efficacy\, whereas atmospheric risks play a weaker role. In developed countries\, self-efficacy emerged as the strongest predictor\, amplifying the influence of agricultural risk but dampening that of atmospheric risk. Across both contexts\, simultaneous perceptions of high agricultural and atmospheric risks produced a dampening effect rather than a cumulative one. These findings extend the Risk Perception Attitude Framework to environmental contexts\, emphasizing the critical role of self-efficacy in translating risk perception into action. The study offers practical insights for tailoring climate change communication and policy strategies to national contexts.\n\nAuthor(s): Jinu Jung\, Seonglim Lee\, Yujin Kim
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:107ef2db280d0eceab231696f9463de5
URL:http://acciconference2026.sched.com/event/107ef2db280d0eceab231696f9463de5
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P121 Multidimensional Deprivation and the Stress Pathway in Adolescence: Using Latent Class Analysis
DESCRIPTION:Adolescence is a critical stage in which socioeconomic adversity becomes embedded in developmental processes and may extend into adulthood. This study examines multidimensional deprivation among adolescents in Seoul\, South Korea\, a context marked by intense educational competition and stark housing and neighborhood inequalities. Using data from the 2023 Seoul Child and Adolescent Survey (N=704)\, we applied Latent Class Analysis (LCA) to identify distinct deprivation profiles and logistic regression to assess their association with economic stress. Results revealed four classes: Non-deprived (68.8%)\, Living-environment deprived (16.3%)\, Educational–economic deprived (4.6%)\, and Multidimensional non-monetary deprived (10.3%). Notably\, while income-based measures identified only 9.4% of adolescents as deprived\, LCA uncovered 31.2% experiencing disadvantages through non-monetary pathways. Logistic regression showed that compared to the non-deprived group\, adolescents in Classes 1\, 2\, and 4 were significantly more likely to report economic stress (odds ratios 1.8\, 2.9\, and 2.3 respectively). These findings highlight that non-monetary deprivation—such as deficits in housing\, neighborhood\, or education—can generate psychosocial stress at levels comparable to income poverty. Policies focusing solely on financial transfers may be insufficient\; effective interventions must also address structural inequalities in housing\, education\, and neighborhood environments to promote adolescent well-being.\n\nAuthor(s): Soyeong Choi\, Hyesun Hwang
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:53f1757649df906eb2048051673c233a
URL:http://acciconference2026.sched.com/event/53f1757649df906eb2048051673c233a
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P122 Post-Pandemic Education Pathways and Mental Health of Emerging Adults
DESCRIPTION:This study investigates how post-pandemic education pathways can be associated with financial responsibility and mental health among emerging adults aged 18–25. Using the 2021 Panel Study of Income Dynamics and its Transition into Adulthood Supplement\, this study showed that financial responsbility and mental health outcomes varied significantly acorss education pathways. Education pathways were significantly associated with both finanical responsibility and mental health of emerging adults.\n\nAuthor(s): Lu Fan\, Swarn Chatterjee\, Jinhee Kim
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:8d10683aa98af8ce8b18c1ab1eedc172
URL:http://acciconference2026.sched.com/event/8d10683aa98af8ce8b18c1ab1eedc172
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P123 Social Media and Household Overspending: Platform Specific and Generational Evidence from the 2021 NFCS Investor Survey
DESCRIPTION:Overspending\, defined as spending beyond one’s financial capacity\, increases debt and reduces household financial stability (Achtziger et al.\, 2022). In today’s digital economy\, social media platforms such as Instagram\, TikTok\, and Facebook amplify overspending through targeted advertising\, peer consumption cues\, and influencer promotions. These features heighten impulsive purchasing and financial vulnerability\, especially among younger adults (Sotiropoulos & d’Astous\, 2012\; Tippmann\, 2023). Motivations also vary across the life course: younger consumers often overspend to establish identity or status\, whereas older adults may overspend to maintain lifestyles or manage stress (Parnes\, 2019). With older generations increasingly active on social media (Minu et al.\, 2023)\, this study examines whether the relationship between social media use and overspending differs across generational cohorts in the United States\, using nationally representative data from the 2021 National Financial Capability Study (NFCS).\n\nAuthor(s): Arifa Akter\, Ohireime Ojeomogha\, Theophilus Amanfo
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:1bc00199028002e48695f4981326fb51
URL:http://acciconference2026.sched.com/event/1bc00199028002e48695f4981326fb51
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P124 Still Struggling? The Effects of Economic Hardship and Financial Resilience on Post-Pandemic Financial Stress and Anxiety
DESCRIPTION:Although the U.S. unemployment rate decreased from 14.7% in April 2020 to 4% in January 2025\, during and after the COVID-19 pandemic (Bureau of Labor Statistics\, 2025)\, the consumer confidence index has not yet fully recovered (The Conference Board\, 2025). One possible explanation is that COVID-19 served as a stressor (Kelley et al.\, 2022)\, leading families to closely monitor their finances and subsequently experience increased financial anxiety (Kim\, 2021). Thus\, to address the ongoing financial uncertainty\, it is necessary to understand the roles of economic hardship and financial resilience in the context of post-financial distress. Adapting from the financial resilience framework (Salignac et al.\, 2019)\, the current research aims to navigate (1) the extent to which economic hardship and each financial resilience factor are associated with both financial stress and financial anxiety in the post-pandemic period and examine (2) differences in the effect of financial resilience on financial stress and financial anxiety. Financial resilience has two parts. The first is to utilize internal capabilities. The second is to examine the external supports available and appropriate when facing economic hardship (Salignac et al.\, 2019). The financial resilience framework consists of four domains: economic resources\, financial resources\, financial knowledge\, and social capital.\n\nAuthor(s): Hanna Yu\, Virginia Zuiker
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:bdc0eca6d75f53670eef986595f3d8cb
URL:http://acciconference2026.sched.com/event/bdc0eca6d75f53670eef986595f3d8cb
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P125 The Impact of Financial Literacy on Emergency Savings: Moderating Role of Household Income
DESCRIPTION:The research investigates how financial literacy affects household emergency savings maintenance when inflation rates are high. The study analyzes National Financial Capability Study data to determine if better financial knowledge leads to sufficient savings and evaluates if this protective effect remains stable when inflation reduces the value of money. The research fills an essential knowledge gap about how people maintain financial stability during times of economic hardship. The research provides evidence-based recommendations to policymakers and financial educators about how literacy protects family economic stability. The research helps consumer policy development by showing how financial capability acts as a protective measure against economic shocks which strengthens national financial stability.\n\nAuthor(s): Olawale Akinleye\, Efthymia Antonoudi
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:717a3a9bb0670947e96eaf0f95a3a108
URL:http://acciconference2026.sched.com/event/717a3a9bb0670947e96eaf0f95a3a108
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P126 The Relationship between Narrative Framing\, Regulatory Focus\, and Estate Planning Intentions: An Experimental Design on Revocable Trusts
DESCRIPTION:This study explores impact of storytelling and narrative framing on the intention to meet with an estate planning professional to discuss revocable trusts. Additional factors like trust\, industry experience\, and personal experience with estate planning will also be included in the analysis. This study collects primary data through a survey tool distributed via CloudResearch. Structural equation modeling (SEM) will be utilized to analyze the impact of narrative on intention to meet with an estate planning professional about a revocable living trust\, with regulatory focus acting as a moderating variable. This study is novel in that it focuses on a population of adults between the ages of 25 and 55\; most studies address adults at or near retirement. As less than half of Americans have a documented estate plan\, revocable trusts offer a unique in that they can serve as a will substitute while addressing incapacity\, increasing privacy\, and reducing the potential for court intervention. The anticipated results will be of interest to practitioners and educators\, expanding understanding of individuals without an estate plan and factors that may impact changing that status.\n\nAuthor(s): C. Ramel Strong\, HanNa Lim\, Megan McCoy\, Shelitha Smodic
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:5186a0788a621d8a6f73a029a69f22f4
URL:http://acciconference2026.sched.com/event/5186a0788a621d8a6f73a029a69f22f4
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P127 The Role of Consumer Technology Optimism in the Age of AI
DESCRIPTION:This study examines the role of consumer technology optimism in shaping adoption of artificial intelligence (AI) services across nine domains of daily life\, including healthcare\, finance\, education\, media\, health management\, security\, leisure\, shopping\, and workplace. Drawing on the Technology Readiness Index (TRI)\, which conceptualizes individual predispositions toward new technologies\, the study highlights technology optimism as a key motivator that reflects a positive view of technology and a belief in its ability to enhance control\, flexibility\, and efficiency. Using nationally representative data from the 2023 Intelligent Information Society User Panel Survey in South Korea (N=4\,581)\, the analysis demonstrates that technology optimism is a consistent and significant predictor of consumers’ intention to use AI services. In addition\, digital literacy and trust in service providers were positively associated with adoption intentions\, while privacy sensitivity and older age were negatively associated in several domains. These findings underscore the importance of consumer dispositions\, alongside technological attributes\, in explaining AI service adoption. The study contributes to advancing theoretical understanding of consumer adoption processes and provides practical insights for promoting equitable and welfare-enhancing integration of AI services in everyday life.\n\nAuthor(s): Hoyoung Lee\, Youngwon Nam
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:8105d64a5103ed74bbf7149089e2f897
URL:http://acciconference2026.sched.com/event/8105d64a5103ed74bbf7149089e2f897
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P128 What “Neutral” Really Means in Online Conversations about Student Debt?
DESCRIPTION:Student loan borrowers often face mental health challenges\, including anxiety and stress\, but struggle to find adequate support due to high treatment costs\, limited access\, and stigma. As a result\, many turn to online communities for emotional support. We examine how student loan borrowers express different emotions regarding their debt in an online community\, r/personalfinance on Reddit. Specifically\, we dived deeper into users’ posts that were labeled “neutral” through an initial machine learning (ML) modeling. We applied a transformer-based emotion detection ML model and keyword extraction methods to uncover hidden emotions in posts marked as “neutral” previously. Our dataset consisted of over 225\,000 posts\, filtered down to 67\,000 “neutral” posts. We found that users expressed frustration with repayment challenges\, retirement-related stress\, and advice-seeking behavior. This study contributes to the growing body of literature on mental health concerns related to student debt by enhancing emotion detection models to improve NLP tools for consumer research. Additionally\, it also reveals the hidden stressors faced by borrowers\, and demonstrates the value of social media in monitoring public well-being – offering insights for consumer wellbeing and mental health professionals.\n\nAuthor(s): Aditi Ravi\, Vincent van Epps\, Gaurav Sinha
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:684d12bfba545e19bc134c41f5df96d0
URL:http://acciconference2026.sched.com/event/684d12bfba545e19bc134c41f5df96d0
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P129 Social Determinants of Health and the Use of Weight-Management Medications: Evidence from a Survey of U.S. Consumers
DESCRIPTION:FINRA Foundation / ACCI Undergraduate Student Poster Competition 1st Place Winner\n\nObesity is a chronic disease and a major risk factor for conditions like diabetes\, heart disease\, and cancer. It also creates a significant economic burden due to higher medical costs\, long-term treatment\, and reduced productivity. Despite efforts\, obesity persists. New weight-loss drugs have shifted the landscape\, with an average 15% weight reduction when used consistently. However\, high costs\, insurance gaps\, and public perception challenges limit access and sustained use. This study uses a Social Determinants of Health framework to explore how factors like income\, race\, and gender influence medication uptake across different groups—current users\, potential users\, and those unlikely to consider such treatments. By examining social and economic contexts\, the study assesses how interventions impact healthcare resources and disparities\, aiming to guide policies on equitable access and future strategies.\n\nAuthor(s): Dymond Mitchell\, Numa Maryam\, Yunhee Chang
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:4441cd3dd455aae7592c2ee9a12d7774
URL:http://acciconference2026.sched.com/event/4441cd3dd455aae7592c2ee9a12d7774
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T003000Z
DTEND:20260415T013000Z
SUMMARY:P130 Factors associated with perceived efficacy and safety of weight loss medication in US consumers
DESCRIPTION:FINRA Foundation / ACCI Undergraduate Student Poster Competition 2nd Place Winner\n\nObesity is a chronic disease\, and the United States is experiencing one of the highest increases in prevalence resulting in an increasing economic burden. While weight loss medications (WLM)\, are significantly efficacious\, the public has mixed perceptions regarding these. This study aims to examine factors associated with U.S. consumers’ perceptions regarding safety and efficacy of prescription WLMs. A secondary cross-sectional analysis was conducted using 2025 International Food Information Council Food & Health Survey data. Of 2524 participants\, perceived WLM safety and efficacy\, diet and food safety\, exercise and health status\, WLM use and experiences were analyzed using Chi-square/ Fisher’s\, and Mann-Whitney tests accordingly. Familiarity with MyPlate and Dietary Guidelines\, as well as trying to lose weight\, significantly correlated with higher perceived safety and efficacy of WLM (p &lt\; 0.05). Conversely\, lower food supply confidence was negatively associated with WLM perceptions (p &lt\; 0.001). Perceived healthfulness of diet\, perceived health status\, physical activity and nutrition literacy were not significant factors (p &gt\; 0.05). Past-year WLM users (n=298)\, especially current users and those with positive experiences\, reported significantly higher confidence in WLM safety and efficacy (p&lt\;0.05). Consumer perceptions of WLM safety and efficacy are shaped by familiarity with MyPlate\, Dietary guidelines\, personal weight goals\, confidence in food systems\, and past use of WLM and experience with WLM. These findings have public health and economic significance and would help to develop interventions to improve informed decision-making regarding prescribed WLM.\n\nAuthor(s): Numa Maryam\, Dymond Mitchell\, Yunhee Chang\, Kriss Sollid\, Nadeeja Wijayatunga
CATEGORIES:POSTER SESSION
LOCATION:International Ballroom IV & V\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:dbf3dc5165883b6cdd778c3c1a20dc21
URL:http://acciconference2026.sched.com/event/dbf3dc5165883b6cdd778c3c1a20dc21
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T020000Z
DTEND:20260415T033000Z
SUMMARY:JCA Editors & Associate Editors Dinner (invitation only)
DESCRIPTION:Invitation Only
CATEGORIES:FOOD & BEVERAGE
LOCATION:L’Opera\, 101 Pine Ave\, Long Beach\, CA 90802
SEQUENCE:0
UID:33511325211625a7b59762c3b3f18a46
URL:http://acciconference2026.sched.com/event/33511325211625a7b59762c3b3f18a46
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T020000Z
DTEND:20260415T033000Z
SUMMARY:Past Presidents Dinner (invitation only)
DESCRIPTION:Invitation Only
CATEGORIES:FOOD & BEVERAGE
LOCATION:Parkers' Lighthouse\, 435 Shoreline Village Dr\, Long Beach\, CA 90802
SEQUENCE:0
UID:f63e0495eda2666555ef08b2618b57c0
URL:http://acciconference2026.sched.com/event/f63e0495eda2666555ef08b2618b57c0
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T140000Z
DTEND:20260415T150000Z
SUMMARY:Breakfast
DESCRIPTION:Sponsored by:\n\n
CATEGORIES:FOOD & BEVERAGE
LOCATION:Promenade\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:bb257a1f3579b321bab0088038d086fc
URL:http://acciconference2026.sched.com/event/bb257a1f3579b321bab0088038d086fc
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T140000Z
DTEND:20260415T233000Z
SUMMARY:Registration
DESCRIPTION:\n
CATEGORIES:REGISTRATION/INFORMATION
LOCATION:2nd Floor Foyer\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:63990f5aeb12eb7f75643ab00d72e16b
URL:http://acciconference2026.sched.com/event/63990f5aeb12eb7f75643ab00d72e16b
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D1 - Risk and Confidence
DESCRIPTION:\n
CATEGORIES:CONCURRENT D
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:e604d0c962724d29d08df04b5a265134
URL:http://acciconference2026.sched.com/event/e604d0c962724d29d08df04b5a265134
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D1a Close Your Windows\, Lock Your Doors: A Framework of How Crime Concerns Influence Crime-Protective Consumer Behavior
DESCRIPTION:This paper presents a qualitative study of Reddit comment data\, investigating how individuals leverage consumption to protect themselves from criminal threats. Our analysis finds that people consume to serve three strategic functional categories of protective consumption behaviors: threat-detecting\, vulnerability-reducing and severity-reducing strategies. Within these overarching strategies\, our analysis of the field data also supports consumers’ use of four particular tactical functions: withdrawal\, deterrence\, resistance\, and recovery. We leverage protection motivation theory as an enabling lens to analyze the data\; in doing so\, we offer contributions to the theory as well. We discuss these strategies/tactics by introducing what we term the Crime-Protective Consumption Framework. A deeper understanding of how consumers derive value from consumption activities to protect themselves\, others\, and their property from crime can help guide new product development and marketing messages\, and more broadly\, illuminate how criminal hazards influence consumer decision-making.\n\nAuthor(s): Robert Arias\, Dallas Novakowski\, Miranda Yin
CATEGORIES:CONCURRENT D
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:12112411383847fec7c0f07d210601af
URL:http://acciconference2026.sched.com/event/12112411383847fec7c0f07d210601af
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D1b Consumer Overconfidence and Finfluencer Engagement: From Viewing to Vulnerability
DESCRIPTION:This study analyzes how consumer overconfidence influences sequential behaviors related to financial influencers. Data were drawn from the 2024 Fund Investor Survey conducted by the Korea Financial Consumers Protection Foundation. Overconfidence was categorized into three subtypes: overestimation\, overplacement\, and overprecision. Dependent variables were defined across four stages of finfluencer engagement: viewing\, subscribing\, investing\, and experiencing harm. Logistic regression was employed as the primary method\, complemented by decision tree and random forest models to enhance explanatory power and predictive accuracy. The results demonstrate that overconfidence exerts stage-specific effects. Overplacement increases the likelihood of viewing finfluencer content\, while overprecision consistently shows negative effects at the subscription and investment stages. Overestimation\, in turn\, significantly elevates the likelihood of consumer harm. By contrast\, consumer resources and competencies—including financial literacy\, risk tolerance\, financial planning horizon\, assets\, and age—emerged as the most influential predictors in the decision tree and random forest models\, underscoring their critical role in shaping overall engagement. These findings yield two key implications. First\, distinct types of overconfidence biases act as significant determinants of consumer engagement at different stages. Second\, consumer protection strategies should extend beyond correcting psychological biases to strengthening financial literacy and addressing age-specific differences in risk tolerance and financial planning horizon. Overall\, the results provide meaningful insights for the design of educational and policy measures aimed at protecting retail investors in the era of financial influencers.\n\nAuthor(s): Jiyeon Son\, Haechan Jeong
CATEGORIES:CONCURRENT D
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:6c04242b9f4c9de7c7ea00816d0d5a96
URL:http://acciconference2026.sched.com/event/6c04242b9f4c9de7c7ea00816d0d5a96
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D1c Financial Confidence\, Overconfidence\, and Underconfidence: A Methodological Review
DESCRIPTION:A significant body of literature examines the influence of financial confidence\, overconfidence\, and/or underconfidence on a variety of financial behaviours and outcomes. Yet researchers have used a host of different methodologies to produce this work. This paper describes the results of reviewing 66 articles and reports the focus concepts (confidence\, over/underconfidence)\, the operational definitions\, the data used\, and the various ways in which the key variables were constructed in existing research. It concludes by identifying decision points for scholars conducting future research in this area.\n\nAuthor(s): Brenda Cude
CATEGORIES:CONCURRENT D
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:0a75e8c5bbb3883720ae85afdac1c6a6
URL:http://acciconference2026.sched.com/event/0a75e8c5bbb3883720ae85afdac1c6a6
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D2 - Financial Education Impact
DESCRIPTION:\n
CATEGORIES:CONCURRENT D
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:1fd5a08298e5aa42821fba4ddcec6e28
URL:http://acciconference2026.sched.com/event/1fd5a08298e5aa42821fba4ddcec6e28
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D2a Beyond Financial Education and Knowledge-The Effect of Objective Financial Knowledge and Financial Education on Long-Term Investment Motivation
DESCRIPTION:This research\, “Beyond Financial Education and Knowledge\,” explores how objective financial knowledge and past exposure to financial education shape individuals’ future long-term investment motivation. Using a quantitative\, correlational study design\, the research uses existing data from the 2021 United States Financial Industry Regulatory Authority’s (FINRA) National Financial Capability Study (NFCS)\, analysing a nationally representative sample of 2\,824 respondents. Results from regression analysis reveal an upbeat and statistically positive relationship between objective financial knowledge and long-term investment motivation\, confirming that objective financial knowledge is a strong predictor. Financial education did not demonstrate a significant impact on long-term investment motivation. Demographic variables of gender\, ethnicity\, education\, and income were significantly associated with motivation\, while age was not. These findings provide insights for policymakers and financial educators to improve the finance education topics offered in the K-12 curriculum and other financial education interventions to strengthen this foundational offering and enhance future financial decision-making.\n\nAuthor(s): Catherine Asiimwe\, Efthymia Antonoudi
CATEGORIES:CONCURRENT D
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:9cba74b54dbddb2bd7f7afd2594a92ce
URL:http://acciconference2026.sched.com/event/9cba74b54dbddb2bd7f7afd2594a92ce
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D2b Contrasting Incorrect and “Don’t Know” Responses to Personal Finance Questions in Relation to Financial Behavior and Financial Education
DESCRIPTION:When faced with a financial question\, a person may answer correctly\, answer incorrectly\, or state that they don’t know the answer. The purpose of this study is first to explore the significance of answering a financial question incorrectly in contrast to answering “don’t know”. Second\, to investigate how taking a financial education course may be associated with the responses a person provides. We will look both at the behaviors associated with answering don’t know compared to answering incorrectly\, as well the relationship between taking a financial education course and what kind of responses a person makes to financial knowledge questions. Our analysis suggests that answering incorrectly rather than answering “don’t know” is associated with an increase in problematic financial behavior. Therefore\, we should be cautious in suggesting people trust they know the answer to financial questions\, as if it pushes them to answer incorrectly it could have harmful consequences. We also find that taking a course in financial education is associated with an increase in the number of incorrect responses a person provides. This suggests there are some previously under-appreciated risks to financial education as it is currently being provided.\n\nAuthor(s): Jack Marley-Payne
CATEGORIES:CONCURRENT D
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:6d0258bf93b32e7062776ec20dbd923c
URL:http://acciconference2026.sched.com/event/6d0258bf93b32e7062776ec20dbd923c
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D2c Perceived and Actual Financial Education and Financial Well-being
DESCRIPTION:This study analyzed the 2021 National Financial Capability Study data set to explore the role of perceived and actual financial education on financial wellbeing. Using both the direct financial education question and the state of residence variable\, we investigated the role of financial education on Financial Well Being. Based on previous literature\, financial literacy (objective and subjective)\, use of Alternative Financial Services\, and various socio-economic factors were included as control variables.\n\nAuthor(s):&nbsp\;Peter Kreysa\, Soo Hyun Cho\, Hofner Rusiana
CATEGORIES:CONCURRENT D
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:17cfe0889eb17323fd5efda152d794b8
URL:http://acciconference2026.sched.com/event/17cfe0889eb17323fd5efda152d794b8
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D3 - AI Financial Advice
DESCRIPTION:\n
CATEGORIES:CONCURRENT D
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:e141d8fbe3eb5bd56fd6591917a6fd45
URL:http://acciconference2026.sched.com/event/e141d8fbe3eb5bd56fd6591917a6fd45
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D3a Consumer Fraud Victimization and the Shift Toward AI Financial Advice
DESCRIPTION:The rapid rise of artificial intelligence (AI) in finance promises to make financial advice less costly and algorithmically objective. However\, little is known about how negative financial experiences\, particularly traumatic ones such as fraud\, influence consumers' decisions when choosing AI for financial advice. Consumer fraud is widespread\, and research shows it severely damages victims' financial well-being by eroding trust and confidence (Brenner et al.\, 2020). This creates a paradox: those who need guidance most may be least willing to trust human advisors. This study bridges research on the consequences of fraud and fintech adoption to address a critical gap: Do fraud victims seek out AI financial advice as an alternative? We propose an "algorithmic trust hypothesis\," suggesting that when human intermediaries cause harm\, victims may transfer their trust to algorithms perceived as more objective and impartial. The primary objective of this paper is to investigate whether consumer fraud victimization increases the demand for AI financial advice and to examine the roles of digital fluency and eroded trust in financial institutions in this relationship. Using NFCS state-by-state survey data\, we contribute to the understanding of how fraud actively drives behavioral adaptation\, potentially reversing the well-documented tendency to distrust algorithms (Dietvorst et al.\, 2015). The findings hold significant implications for researchers\, financial planners\, and consumer protection advisors.\n\nAuthor(s): Stuart Heckman\, Vikesh Kumar
CATEGORIES:CONCURRENT D
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:6bfa5102b964e7df98ac2f2b20374073
URL:http://acciconference2026.sched.com/event/6bfa5102b964e7df98ac2f2b20374073
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D3b Consumer Interest in AI Financial Advice: Findings from a 2024 U.S. National Survey
DESCRIPTION:Artificial intelligence (AI) is reshaping the financial services landscape\, yet little is known about which consumers are most interested in adopting AI financial advice. This study examines the factors associated with consumer interest in AI financial advice and explains heterogeneous adoption pathways. Using nationally representative data from the 2024 National Financial Capability Study\, the research combines logistic regression with k-means clustering within a Financial Capability and Digital-Psychological Readiness framework. Regression results reveal that interested consumers tend to have higher objective financial knowledge\, stronger financial planning habits\, greater risk tolerance\, and more developed digital financial habits. In contrast\, higher subjective knowledge is negatively associated with interest after controlling for other factors. The cluster analysis\, organized around the constructs of financial capability and readiness\, identifies four distinct consumer segments with divergent motivations for adoption\, clarifying counterintuitive regression findings. The results provide actionable insights for practitioners seeking to design tailored targeted AI solutions and for policymakers concerned with digital inclusion and consumer protection.\n\nAuthor(s): Lin Sun\, Patryk Babiarz
CATEGORIES:CONCURRENT D
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:8a0ed23d48355075f2c95d179e98d75b
URL:http://acciconference2026.sched.com/event/8a0ed23d48355075f2c95d179e98d75b
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D3c Mobile Financial Services Usage Breadth and Consumer Interest in AI-Based Financial Advice
DESCRIPTION:This study examines whether the breadth of mobile financial services usage is associated with consumer interest in AI-based financial advice and whether financial confidence mediates this relationship. Despite financial institutions investing nearly $97 billion in AI by 2027\, fewer than 3% of U.S. households use AI-based financial advice services\, revealing a critical supply-demand gap. Using nationally representative data from the 2024 National Financial Capability Study\, this research employs survey-weighted structural equation modeling to test three hypotheses linking mobile finance usage breadth to AI advice interest via financial confidence. \n\nAuthor(s): Pan-Ju Chen
CATEGORIES:CONCURRENT D
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:776682ac3efd20c759ec7d45d53cc204
URL:http://acciconference2026.sched.com/event/776682ac3efd20c759ec7d45d53cc204
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D4 - Aging and Well-being
DESCRIPTION:\n
CATEGORIES:CONCURRENT D
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:f1564c275ceb86fcd509f22e04aa78a9
URL:http://acciconference2026.sched.com/event/f1564c275ceb86fcd509f22e04aa78a9
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D4a Connecting the Dots: Digital Access\, Literacy\, and Well-Being in Older Adults
DESCRIPTION:This study examined the relationships between digital access\, digital literacy\, and psychological well-being among adults aged 50 and older using nationally representative data from the 2022 Health and Retirement Study. Digital literacy was modeled as a multidimensional construct encompassing functional\, social-communicative\, and leisure/productivity skills. Using Structural equation modeling\, we found that digital literacy was closely associated with psychological well-being\, reflected in purpose in life and depressive symptomatology. Digital access showed a modest direct association with psychological well-being\, but its relationship through digital literacy was more pronounced\, highlighting the relevance of digital engagement. These findings suggested that variations in digital literacy were linked with differences in well-being among older adults. The study contributed to consumer interest research by identifying digital literacy as an important correlate of psychological well-being and informing programs and policies that promote digital skills\, inclusion\, and healthy aging in a technology-driven society.\n\nAuthor(s): Mary Akinde\, Lu Fan
CATEGORIES:CONCURRENT D
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:7311d64a0bd0a0d66f75832d580ac664
URL:http://acciconference2026.sched.com/event/7311d64a0bd0a0d66f75832d580ac664
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D4b The Relationship between Personality and Older Americans’ Ownership of Annuity Income: A Latent Profile Analysis
DESCRIPTION:The purpose of this study was to explore the link between personality profiles and the ownership of annuities to increase our understanding of the psychological phenomena that may help explain the annuity puzzle. Two weighted\, inferential analyses were conducted. Personality profiles representing unique combinations of the Big Five personality trait variables were identified using latent profile analysis. These variables were then used as predictors of annuity income ownership in a binary logistic regression. Personality profiles were found to be statistically significant predictors. Implications for research\, policy\, and practice were discussed.\n\nAuthor(s): Benjamin Hampton Kristy Archuleta
CATEGORIES:CONCURRENT D
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:eb77313de7bda763429d66c11fe28d25
URL:http://acciconference2026.sched.com/event/eb77313de7bda763429d66c11fe28d25
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D4c Biopsychosocial Determinants of Financial Well-Being in Older Adults: A Structural Equation Modeling Approach
DESCRIPTION:Robert O. Herrmann Outstanding Dissertation Award Winner\n\nFinancial well-being in later life is shaped by far more than income and assets. This award-winning dissertation applies Engel's (1977) Biopsychosocial (BPS) Model to financial well-being for the first time\, examining how biological\, psychological\, and sociological factors interact to predict financial outcomes among older adults. Using five waves (2010–2018) of the Health and Retirement Study (HRS) and structural equation modeling with over 35\,000 respondents\, the study operationalizes physical health\, mental health\, and social connection as higher-order latent constructs and tests their direct\, indirect\, and combined effects on a multidimensional measure of financial well-being. Results reveal that the integrated BPS model explains up to 99% of variance in the financial well-being construct\, with mental health emerging as the dominant predictor. Physical health exerts positive but variable direct effects and meaningful indirect effects through psychological pathways\, while social connection shows a surprising negative direct association\, suggesting that maintaining social ties may carry financial costs even as those ties bolster mental health. Findings challenge purely economic models of financial wellness and offer actionable intervention points for financial planners\, policymakers\, and health professionals working with aging populations.\n\nAuthor(s): Chet Bennetts
CATEGORIES:CONCURRENT D
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:55017944e37273dff33b285b8b0fa6d7
URL:http://acciconference2026.sched.com/event/55017944e37273dff33b285b8b0fa6d7
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D5 - Modern Market Dynamics
DESCRIPTION:\n
CATEGORIES:CONCURRENT D
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:0197626c68c67ec7071a242535930c21
URL:http://acciconference2026.sched.com/event/0197626c68c67ec7071a242535930c21
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D5a Exploring the Role of Financial Knowledge and Technology Use in Consumer Adoption of AI for Financial Planning
DESCRIPTION:The present study addresses the research needs by examining how consumer's objective and subjective financial knowledge is associated with their interest in using AI for financial planning purposes. Additionally\, the study considers whether prior technology adoption further moderates this relationship. This research seeks to contribute to theory and practice in consumer financial behavior by clarifying these mechanisms. It offers insights that can inform education\, policy\, and the responsible development of AI-driven financial tools.\n\nAuthor(s): Ravisha Chutani\, Kimberly Watkins\, John Grable
CATEGORIES:CONCURRENT D
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:761fd026efbb711a704cf5465d2ef525
URL:http://acciconference2026.sched.com/event/761fd026efbb711a704cf5465d2ef525
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D5b Smart service spatial positioning and smart service premium on housing price
DESCRIPTION:This study examines how smart infrastructure and services affect consumer decision-making\, willingness to pay\, and housing affordability. Using Van Westendorp’s Price Sensitivity Measurement (PSM) model\, we surveyed consumers to identify acceptable price ranges for smart service utilization and smart space development. PSM reveals the price points at which consumers view products as too expensive\, too cheap\, or good value\, providing insights for setting strategies when introducing new technologies. Complementing this approach\, a hedonic pricing analysis of more than 100\,000 housing units in South Korea evaluates how smart features and recurring service costs are capitalized into housing prices. Findings indicate that while consumers are willing to pay premiums for convenience and efficiency\, these premiums also contribute to affordability challenges and regional disparities. By integrating consumer-based willingness-to-pay data with market-based housing price effects\, this study offers a comprehensive understanding of how smart technologies shape consumer financial outcomes. The results highlight the need for transparent pricing\, equitable housing policies\, and informed consumer decision-making to ensure that technological innovation enhances household well-being without limiting access to affordable housing and essential services.\n\nAuthor(s): Jaeyong Yoo\, Jaehwan Kim
CATEGORIES:CONCURRENT D
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:01d574d57c9ca89ad6bd8b4c9e2e264a
URL:http://acciconference2026.sched.com/event/01d574d57c9ca89ad6bd8b4c9e2e264a
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T150000Z
DTEND:20260415T163000Z
SUMMARY:D5c The Impact of Payday Lending Access on Household Consumption Patterns: Evidence from Ohio's Payday Lending Reform
DESCRIPTION:This study examines the causal impact of payday lending access restrictions on household consumption patterns using Ohio's 2018 Fairness in Lending Act as a quasi-experimental setting. We employ a difference-in-differences approach comparing employed\, low-income households in West Virginia and Pennsylvania counties bordering Ohio (treatment group) with similar households in non-border counties (control group). Using NielsenIQ Home Scanner data from 2016-2019\, we find that households losing cross-border payday lending access experienced significant decreases in total monthly spending. Disaggregated analysis reveals that spending reductions primarily occurred in necessities\, particularly food\, rather than discretionary items like alcohol and tobacco. Alcohol spending showed no significant change\, while tobacco spending declined only marginally. These findings challenge the welfare rationale underlying payday lending restrictions\, suggesting that such policies may force vulnerable populations to reduce essential consumption rather than eliminating harmful spending behaviors\, potentially exacerbating rather than alleviating financial hardship among low-income households.\n\nAuthor(s): Yiling Zhang\, Yunhee Chang
CATEGORIES:CONCURRENT D
LOCATION:Atlantic I & II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:58053d7ccbd6363c4d43483b09fd8611
URL:http://acciconference2026.sched.com/event/58053d7ccbd6363c4d43483b09fd8611
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T163000Z
DTEND:20260415T164500Z
SUMMARY:Beverage Refreshment Break
DESCRIPTION:Coffee\, tea\, and water.
CATEGORIES:FOOD & BEVERAGE
LOCATION:Promenade\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:11eb428dba08cf6da6b4270267a303ea
URL:http://acciconference2026.sched.com/event/11eb428dba08cf6da6b4270267a303ea
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E1 - Life Satisfaction
DESCRIPTION:\n
CATEGORIES:CONCURRENT E
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:e3f3958405aae603a9f681e2a2ea6682
URL:http://acciconference2026.sched.com/event/e3f3958405aae603a9f681e2a2ea6682
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E1a Exploring Life Satisfaction: The Role of Financial Satisfaction and Financial Resilience in Hardship
DESCRIPTION:This study explored how financial hardship relates to life satisfaction\, focusing on the roles of financial satisfaction and financial resilience. Results showed that people facing financial hardship tended to report lower satisfaction with both their finances and overall life. However\, those with higher financial satisfaction felt more positive about life\, even when experiencing financial hardship. Financial satisfaction also helped explain how financial hardship was related to life satisfaction\, acting as a mediator. In addition\, financial resilience played a protective role as a moderator. It was linked to higher financial satisfaction and reduced the negative impact of financial hardship.\n\nAuthor(s): Jae Min Lee\, Lu Fan\, HanNa Lim
CATEGORIES:CONCURRENT E
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:db5e2c04605ea94483b1b80b387c4394
URL:http://acciconference2026.sched.com/event/db5e2c04605ea94483b1b80b387c4394
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E1b The Double Burden of Intergenerational Support for Korean Baby Boomers: Within-Between Evidence on Life Satisfaction
DESCRIPTION:This study investigates how intergenerational economic responsibilities\, together with baby boomers' health and financial characteristics\, are related to their life satisfaction. Baby boomers\, often described as both an affluent generation and a burdened "sandwich generation\," face prolonged support to adult children and continued transfers to elderly parents. Drawing on ten annual waves of a nationally representative Korean household panel\, we examine these factors in relation to seven domains of life satisfaction: income\, leisure\, housing\, family\, relatives/kin\, friendship/social ties\, and overall life. Using correlated random-effects models with year fixed effects\, we distinguish within-household changes from between-household differences. The results show that health and metropolitan residence are the strongest correlates of life satisfaction\, while intergenerational burdens are more limited and domain specific. A greater number of co-resident children provides a small increase in satisfaction\, but adult-child co-residence and financial support to parents are largely unrelated to shifts of satisfaction. These findings underscore the importance of health promotion and place-based policy strategies while suggesting that the widely invoked "sandwich generation" narrative may not be the most critical factor shaping baby boomers' well-being.\n\nAuthor(s): Sohyun Kim\, Jihye Kim
CATEGORIES:CONCURRENT E
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:e10b070a2a22476d156a440845806cdd
URL:http://acciconference2026.sched.com/event/e10b070a2a22476d156a440845806cdd
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E1c The Capability Approach to Life Satisfaction: Extending through Financial Optimism
DESCRIPTION:This study extends the Capability Approach to the financial domain by examining financial optimism as a psychological pathway to life satisfaction. Using primary data collected in late 2021\, the analysis explored how individual capabilities\, external conditions\, and financial functionings contribute to financial optimism and\, ultimately\, life satisfaction. Findings show that both internal and external factors are significantly related to financial behaviors\, which in turn foster financial optimism. Financial optimism emerged as a key factor\, linking proactive budgeting\, maintaining a saving–debt buffer\, and engagement with financial products to higher life satisfaction. The results highlight the importance of considering not only financial skills\, behaviors\, and external resources but also psychological dimensions. Policies and educational initiatives should integrate support from external financial systems with capability development while also fostering individuals’ confidence and optimism\, thereby promoting resilience and long-term well-being.\n\nAuthor(s): Yu Zhang\, Jia Qi\, Swarn Chatterjee\, Jinhee Kim
CATEGORIES:CONCURRENT E
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:8b0be5a3553862ab38a9eecb1251b130
URL:http://acciconference2026.sched.com/event/8b0be5a3553862ab38a9eecb1251b130
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E2 - Family and Futures
DESCRIPTION:\n
CATEGORIES:CONCURRENT E
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:c4d4a6056f6490bac947c1316c64a4f2
URL:http://acciconference2026.sched.com/event/c4d4a6056f6490bac947c1316c64a4f2
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E2a Family Ties and Educational Futures: Parental Closeness and the Aspiration–Expectation Gap
DESCRIPTION:This paper analyzes the college aspiration–expectation gap among young adults in the United States\, utilizing the Panel Study of Income Dynamics (PSID) and its Transition to Adulthood Supplement (TAS). This study examines the impact of marital status\, income\, parental closeness\, and health on the likelihood of a mismatch between educational expectations and aspirations. We estimate both linear and multinomial models of the gap using nationally representative survey data from 2005 to 2019. Results show that higher household wealth lowers the likelihood of under-aspiration\, and closer proximity to mothers lowers the odds of over-aspiration. These results demonstrate how family dynamics and resources shape the young adults' perceptions of their future in school.\n\nAuthor(s): Hofner Rusiana
CATEGORIES:CONCURRENT E
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:ee1448a41c2818824c6e474d4d39566e
URL:http://acciconference2026.sched.com/event/ee1448a41c2818824c6e474d4d39566e
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E2b How Childhood Family Stability Shapes Adult Financial Outcomes
DESCRIPTION:Family instability has become increasingly prevalent in the United States\, raising concerns about its long-term financial implications. Grounded in life course theory\, this study examines the relationship between childhood family stability and adult financial outcomes\, specifically total net worth and reliance on public assistance. Using data from the National Longitudinal Survey of Youth 1979 (NLSY79)\, spanning 1985 to 2020\, this study employed correlated random effects (CRE) models to account for unobserved heterogeneity. Results indicate that individuals who lived continuously with both biological parents until the age of 18 had\, on average\, approximately 66% higher net worth and received 9% less public assistance in adulthood. This study contributes uniquely to the literature by looking at both ends of the economic spectrum (i.e.\, net worth and public assistance). As family instability becomes more prevalent\, financial professionals and policymakers must consider these developmental patterns when designing interventions to promote financial security.\n\nAuthor(s): Mikel Van Cleve\, Nicholas Kieren\, Stuart Heckman
CATEGORIES:CONCURRENT E
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:a0041d80b30a8ff26f6d1390c7900492
URL:http://acciconference2026.sched.com/event/a0041d80b30a8ff26f6d1390c7900492
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E2c Preserving Family Legacy: BIPOC Perspectives of Small Business Succession Planning
DESCRIPTION:BIPOC individuals can be defined as Black\, Indigenous\, and people of color (Watson-Singleton et al.\, 2023). BIPOC business owners have been growing for the past two decades. According to a recent report\, it is estimated that about 30% of small businesses in the U.S. have been operated by owners with BIPOC background (Office of Advocacy\, 2022). Previous research has focused on succession planning in family businesses and dichotomous exit strategies (e.g.\, stewardship or liquidation). However\, few studies have examined how race and ethnicity shape small business owners’ preferences on stewardship exit intentions. This study included two important research questions: RQ1) How are exit strategies of BIPOC business owners different compared to White-American business owners? RQ2) How are business and business owner characteristics associated with the decision to engage in stewardship exit intentions?\n\nAuthor(s): Yoon Lee\, Maria Marshall\, Renee Wiatt
CATEGORIES:CONCURRENT E
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:36ad18f63b49c23bf6bcf3894e908b87
URL:http://acciconference2026.sched.com/event/36ad18f63b49c23bf6bcf3894e908b87
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E3 - Health and Finance
DESCRIPTION:\n
CATEGORIES:CONCURRENT E
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:7b59bb0f49de962811eca4c41d71be01
URL:http://acciconference2026.sched.com/event/7b59bb0f49de962811eca4c41d71be01
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E3a Among Retirees\, What is the Relationship Between Asset Allocation of Financial Assets and Retirement Satisfaction Among Retirees?
DESCRIPTION:This study examines how financial asset allocation\, particularly equity ownership as a share of non-housing wealth\, affects retirement satisfaction among U.S. retirees. Using Wave 15 of the Health and Retirement Study (HRS) and guided by Modern Portfolio Theory (MPT)\, the analysis includes 4\,248 retired participants. Three models were estimated: (1) an ordered logistic regression with a binary stock allocation threshold (&gt\;50%)\, (2) an ordered logistic regression with categorical equity groups (0–25%\, 25–50%\, 50–75%\, 75–100%)\, and (3) a generalized ordered logit model treating stock allocation as a continuous quadratic predictor. Findings reveal a statistically significant nonlinear relationship between stock allocation and retirement satisfaction. Retirees with 25–75% of non-housing wealth in equities reported higher satisfaction\, though gains diminished at the upper range. The hypothesis was supported: those with more than 50% in equities had 41% higher odds of being “very satisfied.” The optimal allocation was estimated near 52%\, minimizing the likelihood of low satisfaction. Marginal effects confirmed that moderate equity ownership significantly increased the probability of reporting high retirement satisfaction. These results emphasize the importance of balanced\, strategic asset allocation. Moderate stock exposure aligns with MPT’s efficient frontier\, offering practical guidance for financial planners\, educators\, and policymakers.\n\nAuthor(s): Douglas Brown
CATEGORIES:CONCURRENT E
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:8a56ffcd13c39f49fa5cda55bc9fe353
URL:http://acciconference2026.sched.com/event/8a56ffcd13c39f49fa5cda55bc9fe353
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E3b Health Insurance Literacy and Graduate Student Healthcare Expenses
DESCRIPTION:This study quantifies the out-of-pocket (OOP) healthcare expenses incurred by graduate students and examines the relationship between OOP expenses and students’ health insurance literacy. We conducted an anonymous Qualtrics survey among graduate students at a research university and obtained 626 valid responses. Our findings provide critical insights into graduate students’ OOP healthcare financial burden and the dual role played by health insurance literacy as a determinant of healthcare expenses. Finally\, we offer policy implications to enhance graduate students’ economic well-being\, reduce financial stress\, and support their academic progression.\n\nAuthor(s): Thilini Samadhi Weeraratne\, Hyungsoo Kim\, Janani Nanayakkara
CATEGORIES:CONCURRENT E
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:d5fe46ed496a231692307b9931ed02e4
URL:http://acciconference2026.sched.com/event/d5fe46ed496a231692307b9931ed02e4
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E3c Uninsured and Unbanked: Examining the Relationship between Lacking Health Insurance and Financial Exclusion
DESCRIPTION:Increasing insurance coverage was the goal of the 2010 Affordable Care Act (ACA)\, partly motivated by a desire to improve medical financial risk protection. The latest estimates suggest that 8.0 percent (27.1 million people) remain uninsured\, mostly in low and moderate-income households. Linking respondents between the 2015\, 2017\, and 2019 March Current Population Survey (CPS) and the corresponding June FDIC-sponsored Unbanked and Underbanked CPS Supplement\, we examine the relationship with health insurance coverage and inclusion in the modern financial system and moderating effects of home internet access and health status. \n We find insurance coverage correlates with financial inclusion. Low-income\, uninsured adults are 11.5 percentage points (34.8%) more likely to live in an unbanked household and less likely to have a credit card or emergency savings than low-income\, insured adults\; they are 5.0 percentage points (9.9%) more reliant on non-bank financial service providers. Among moderate-income households\, similar correlations exist between financial inclusion and health insurance coverage. The correlation between uninsurance and financial exclusion remains even when examining households by home internet access and health status. These relationships have implications for achieving universal health insurance coverage through enrolling in online portals or with increased cost-sharing.\n\nAuthor(s):&nbsp\;Katie Fitzpatrick\, Anne Fitzpatrick
CATEGORIES:CONCURRENT E
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:cd3c9b77fba73bd6ecdd0b6ee3703297
URL:http://acciconference2026.sched.com/event/cd3c9b77fba73bd6ecdd0b6ee3703297
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E4 - AI and Ethics
DESCRIPTION:\n
CATEGORIES:CONCURRENT E
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:02679938144f28b1b86984a318fed62d
URL:http://acciconference2026.sched.com/event/02679938144f28b1b86984a318fed62d
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E4a Is Generative Artificial Intelligence (GenAI ) a Good Financial Advisor?
DESCRIPTION:Generative Artificial Intelligence (GenAI) tools powered by Large Language Models have captured widespread attention of many. There are\, however\, many unanswered questions about its use. This paper’s goal is to evaluate the use of seven GenAI tools to provide financial advice in three situations: 1) The appropriate amount of emergency savings to hold\, 2) The optimal withdrawal rate from retirement funds\, and 3) The recommended composition of an investment portfolio. The authors wrote prompts for each situation and provided the same prompt for each situation to each of the seven GenAI tools. In a second step\, the race or gender of the individual described in the prompt was changed to learn if the GenAI recommendations would change. This paper reports the outcomes and concludes with recommendations for practice\, policy\, and research.\n\nAuthor(s): Brenda Cude\, Gianni Nicolini\, Swarn Chatterjee
CATEGORIES:CONCURRENT E
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:6d86dabb66337361e07f17506b4ee868
URL:http://acciconference2026.sched.com/event/6d86dabb66337361e07f17506b4ee868
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E4b The Post-Pandemic Investor Landscape: Evidence from the 2024 NFCS Investor Survey
DESCRIPTION:The COVID-19 pandemic triggered a surge of new investors\, with 21% of US investors in 2021 having joined markets within the past two years. These investors were younger\, lower-income\, and more likely to invest in risky assets like cryptocurrencies while often relying friends and family and social media for information. However\, 2024 findings reveal a significant shift: new investor flow dropped dramatically to 8%\, while young adult participation fell from 32% to 26%. Still\, 2024 new investors continue exhibiting high-risk behaviors\, including trading options and investing in crypto. Beyond a decreased flow of new investors\, time series data suggests many pandemic investors may have exited the market\, indicating the pandemic investor surge has also ebbed.\n\nAuthor(s): Olivia Valdes
CATEGORIES:CONCURRENT E
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:21f0669cf8241b9ab68fcbb0a763e9ee
URL:http://acciconference2026.sched.com/event/21f0669cf8241b9ab68fcbb0a763e9ee
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T164500Z
DTEND:20260415T181500Z
SUMMARY:E4c Through a Moral Lens: Moral Foundations and Public Acceptance of Artificial Intelligence Across Contexts
DESCRIPTION:Artificial Intelligence (AI) has become increasingly influential\, making it crucial to understand what determines public acceptance of AI. Moral foundation theory predicts responses to morally contentious acts\, and acceptance of an AI’s decisions is influenced if people feel their moral foundations are considered. While previous research has examined how moral foundations predict awareness and perceptions about AI\, public acceptance of AI also needs to be understood in everyday contexts. To address this gap\, this research explores the role of moral foundations in shaping acceptance of AI across diverse domains of daily life\, using survey data from 614 U.S. participants. Results show that when AI is perceived as causing vulnerability or excluding certain groups and opportunities\, people are less likely to accept it in the context of hiring\, criminal sentencing\, and the automation of jobs. It also suggests that individuals who place a high value on social norms are more likely to accept AI in contexts such as hiring\, criminal sentencing\, and marketing. This study highlights the importance of considering moral psychology in predicting public acceptance of AI. It suggests stakeholders consider moral foundations in AI design and use\, which may address ethical conflicts and guide policy.\n\nAuthor(s): Nayeon Kim\, Yilang Peng
CATEGORIES:CONCURRENT E
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:a2b25e9f2b19044a1b244a984f126ba9
URL:http://acciconference2026.sched.com/event/a2b25e9f2b19044a1b244a984f126ba9
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F1 - Risk and Equity
DESCRIPTION:\n
CATEGORIES:CONCURRENT F
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:2abe6b52f6f67da421300de3dc80bc97
URL:http://acciconference2026.sched.com/event/2abe6b52f6f67da421300de3dc80bc97
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F1a Can Financial Resilience Typologies Be Used to Describe Financial Risk Tolerance?
DESCRIPTION:This study examines the interplay between financial capacity\, investing experience\, and self-reported risk tolerance among affluent US investors. Data were collected via an online Qualtrics survey administered to members of the Precision Sample research panel in 2023. Participants were required to actively manage their household investments. The design intentionally oversampled high-income households\, defined as those with combined spousal or partner incomes between $200\,000 and $300\,000\, as well as high-net-worth individuals\, defined as those with a net worth exceeding $1 million (excluding the value of their primary residence and any associated loans). Using hierarchical clustering\, K-means clustering\, ANOVA\, and generalized linear modeling\, investors were segmented into three statistically distinct profiles defined by their financial knowledge\, investment experience\, and financial capacity. The highest risk-tolerance group was neither the most experienced nor the most knowledgeable\, whereas the most financially knowledgeable and skilled group exhibited the lowest willingness to take risks. These findings challenge the assumption that greater financial sophistication automatically equates to higher risk tolerance. Findings highlight the significant role of psychological and situational factors in investment decision-making. The results have implications for those who provide investment and financial advice\, client risk profiling practices\, and regulatory approaches to assessing investor suitability.\n\nAuthor(s):&nbsp\;John Grable\, Swarn Chatterjee
CATEGORIES:CONCURRENT F
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:b406accaea913174f65d6f03b7de892c
URL:http://acciconference2026.sched.com/event/b406accaea913174f65d6f03b7de892c
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F1b Long-Run Effects of COVID-19 on Financial Risk Tolerance: Racial/Ethnic Heterogeneity in the U.S.
DESCRIPTION:This study examines the short- and long-run effects of the COVID-19 pandemic on financial risk tolerance (FRT) in the United States\, focusing on racial/ethnic and regional differences. Using the 2018\, 2021\, and 2024 waves of the National Financial Capability Study (NFCS) and a propensity score matching difference-in-differences (PSM-DID) framework\, we construct treated (COVID-affected) and control groups to estimate causal impacts with repeated cross-sectional data. Results indicate a significant decline in FRT in the short run (2021) that persists through 2024\, suggesting a lasting impact of the pandemic on households’ willingness to take financial risk. Subgroup analyses reveal heterogeneity: women\, lower-income households\, and those with greater financial knowledge report lower FRT\, while racial/ethnic differences are mixed. Notably\, higher educational attainment is associated with lower FRT\, diverging from much of the prior literature. Overall\, the pandemic produced a persistent reduction in FRT with important demographic variation\, underscoring the need for targeted financial education and policy responses to support resilient wealth-building.\n\nAuthor(s): Zihan Ren\, Sherman Hanna
CATEGORIES:CONCURRENT F
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:3edab83474749ea937d95442182cd646
URL:http://acciconference2026.sched.com/event/3edab83474749ea937d95442182cd646
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F1c Racial and Ethnic Disparities in Confidence Toward Financial Institutions
DESCRIPTION:This study examines racial and ethnic disparities in trust toward financial institutions\, a critical but underexplored factor shaping financial inclusion and consumer well-being. Using nationally representative Financial Health Pulse data\, we analyze overall trust and four key dimensions: whether institutions can keep deposits safe\, provide good financial advice\, are honest and transparent about costs and fees\, and want to help improve customers’ finances. We find that while 61% of Americans trust financial institutions somewhat or completely\, trust levels differ sharply by race and ethnicity. Around two-thirds of Asian and white consumers report trust\, compared with about half of Black and Latine consumers\, who are also more likely to feel ambivalent. Asian respondents report similar overall trust to white respondents but lower affective trust — they have more confidence in what financial institutions can do than in whether they genuinely want to help. These gaps matter because trust influences how consumers engage with banks\, build savings\, and access safe credit. By highlighting where trust breaks down\, this study offers insight to improve equity\, strengthen confidence in financial institutions\, and support consumer and family economic well-being.\n\nAuthor(s): Amber Jackson\, Andrew Warren
CATEGORIES:CONCURRENT F
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:416e932e0856ce27af3f6cc1f1f16259
URL:http://acciconference2026.sched.com/event/416e932e0856ce27af3f6cc1f1f16259
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F2 - Financial Hardship Dynamics
DESCRIPTION:\n
CATEGORIES:CONCURRENT F
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:7eb4fc187f602a25898576d470d48e03
URL:http://acciconference2026.sched.com/event/7eb4fc187f602a25898576d470d48e03
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F2a COVID-19’s Lingering Consequences: Trends in Financial Hardship by Infection History and Activity Limitations Among U.S. Adults
DESCRIPTION:This study investigates the link between long-term COVID-19 symptoms and financial hardship. Analyzing a large national survey from 2022-2024\, it tracks how difficulty paying for usual household expenses varied among U.S. adults with different COVID-19 experiences. The findings suggest that 1.5% of U.S. adults\, roughly 3.9 million people\, who suffer from severe activity limitations due to long COVID face the highest financial burden\, with over 7 in 10 experiencing persistent financial hardship. This group was nearly twice as likely to face financial hardship as those who were never infected. These extreme disparities persisted long after pandemic relief programs ended. These findings suggest that severe long COVID creates a cycle of health and financial crisis\, underscoring the critical need for policy solutions like improved disability benefits and integrated financial support services to protect these vulnerable individuals and households.\n\nAuthor(s): Vivekananda Das
CATEGORIES:CONCURRENT F
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:32e76b6063329af2a05df48c585829f2
URL:http://acciconference2026.sched.com/event/32e76b6063329af2a05df48c585829f2
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F2b Income and Intertemporal Investment Decisions Evidence from Education\, Savings\, and Insurance Expenditures across Income Groups
DESCRIPTION:This study examines the influence of household income on spending on education\, savings\, and insurance\, using data from the 9th\, 13th\, and 16th Financial Panel Surveys in Korea\, covering the years 2016\, 2020\, and 2024. Households were divided into three income groups: under 30 million won\, between 30 and 60 million won\, and over 60 million won. Ordinary Least Squares (OLS) with a robust method was applied to ensure reliable results. The findings show clear differences across income groups. Low-income households reduced their spending on education as income grew and showed only small increases in savings. Middle-income households raised both savings and insurance spending\, especially after 2020. High-income households showed positive growth in all three areas\, although savings and insurance spending fell in 2020 before rising again in 2024. These results suggest that income inequality is reflected in family investments in education\, savings\, and health\, which may lead to wider gaps in opportunity and welfare over time. The study highlights the need for policy support for low-income households\, such as higher interest rates for small savings or the provision of education vouchers. Overall\, the findings indicate that income inequality creates unequal spending patterns that affect fairness and social cohesion.\n\nAuthor(s): YuJin Seo\, Namhoon Kim
CATEGORIES:CONCURRENT F
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:e7a8516dc25eb9f5b4f407591acaa1b3
URL:http://acciconference2026.sched.com/event/e7a8516dc25eb9f5b4f407591acaa1b3
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F3 - Gender and Finance
DESCRIPTION:\n
CATEGORIES:CONCURRENT F
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:a6cb097be9534179f698fe54356a04fb
URL:http://acciconference2026.sched.com/event/a6cb097be9534179f698fe54356a04fb
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F3a Beyond the Transaction: Gender\, Selling on Credit\, and Consumer Relationships in Ghana
DESCRIPTION:This study examines how informal business owners in Ghana interact with consumers through customer pricing practices\, with particular attention to gender differences in credit provision. Using data from an enterprise census in Aburi\, Ghana\, we surveyed over 1\,200 business owners operating in permanent structures\, signposted households\, and home-based enterprises. Our preliminary findings reveal that women business owners are 15 percentage points more likely to sell goods to consumers on credit compared to male business owners\, even after controlling for owner demographics. This substantial difference persists across owner age\, education level\, and marital status. In contexts where formal financial services and social safety nets are limited\, consumer credit from local businesses may serve as an important mechanism for household consumption smoothing. The gendered nature of these practices suggests that women-owned businesses play a distinctive role in supporting community economic resilience beyond their contributions to employment and income generation. These findings have important implications for consumer financial protection policies\, financial inclusion programs targeting entrepreneurs\, and our understanding of how informal markets contribute to household economic well-being in developing economies.\n\nAuthor(s): Gisella Kagy
CATEGORIES:CONCURRENT F
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:ca3dc0d0e3cacd2101b6af348fab3500
URL:http://acciconference2026.sched.com/event/ca3dc0d0e3cacd2101b6af348fab3500
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F3b Gender Role and the Likelihood of Marriage: Evidence from Korea
DESCRIPTION:This study investigates the interplay between economic stability and cultural expectations in shaping marriage decisions among young adults in Korea. Using data from the Korean Labor and Income Panel Study (KLIPS) (2021–2023\, N=11\,671)\, random-effects logistic regression reveals that higher wages and job tenure significantly increase the likelihood of marriage\, while traditional gender-role attitudes are marginally associated with higher marriage probability. However\, men remain substantially less likely to be married than women\, underscoring the persistent cultural and structural burden of breadwinner expectations. These findings highlight that Korea’s delayed marriage trends cannot be explained by economic constraints alone but must also account for enduring gender norms. From the perspective of consumer and family economics\, delayed marriage has broad implications for financial planning\, saving and investment behavior\, housing demand\, fertility outcomes\, and intergenerational resource transfers. By integrating cultural and economic perspectives\, this research advances understanding of how demographic changes influence household formation and consumer well-being.\n\nAuthor(s): Youngsik Oh\, Hye Jun Park\, Wookjae Heo
CATEGORIES:CONCURRENT F
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:9aad6cc6216b787207cdf62d371ac0dd
URL:http://acciconference2026.sched.com/event/9aad6cc6216b787207cdf62d371ac0dd
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F3c The Role of Language\, Gender\, and Cognitive Engagement in Shaping Financial Literacy: Evidence from a Large-Scale Randomized Experiment
DESCRIPTION:This study investigates how attention\, effort\, gender\, and the language of educational materials shape the effectiveness of financial education. We conducted a large-scale randomized controlled field experiment with a nationally representative sample of 4\,389 adults\, measuring financial literacy at three points over six months. The intervention was designed as a low-cost\, self-contained program delivered in gendered (masculine\, feminine\, neutral) and placebo formats. Results show that financial education significantly improves financial literacy in the short term\, with effects persisting for at least three months. Cognitive engagement\, measured through attention and effort\, emerged as a strong predictor of learning gains\, especially among women. While gendered language had only a modest impact\, gender differences were pronounced: women benefited more from the intervention\, and their learning outcomes were strongly linked to attentiveness and effort\, whereas men showed weaker or nonsignificant effects. These findings highlight the importance of considering gender-specific engagement patterns and cognitive processes in the design of financial education programs. The study provides robust experimental evidence from Poland\, contributing to debates on the cost-effectiveness\, inclusiveness\, and scalability of financial literacy interventions.\n\nAuthor(s): Piotr Bialowolski\, Andrzej Cwynar\, Dorota Weziak-Bialowolska
CATEGORIES:CONCURRENT F
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:624f83a5f15aa016ec23943680d63de4
URL:http://acciconference2026.sched.com/event/624f83a5f15aa016ec23943680d63de4
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F4 - Fintech and Socialization
DESCRIPTION:\n
CATEGORIES:CONCURRENT F
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:db52d18756349ac989db32eeefd39eb6
URL:http://acciconference2026.sched.com/event/db52d18756349ac989db32eeefd39eb6
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F4a Can FinTech help households save for emergencies? Evidence from debt-burdened families
DESCRIPTION:This study investigates fintech use and its applications to households' emergency savings\, specifically with attention to financial literacy and debt levels. Using weighted logistic regression from the 2024 National Financial Capability Study\, the analysis estimates the factors that increase or decrease the likelihood of maintaining three months of emergency savings. The results show that fintech use alone is not associated with emergency savings. However\, financial literacy is strongly associated positively with savings\, while debt reduces the likelihood of savings by 14% to 33% as respondents' debt sources increased. Interaction effects show that fintech benefits households with low financial literacy and high debt burdens.\n\nAuthor(s): Ohireime Ojeomogha\, Theophilus Amanfo
CATEGORIES:CONCURRENT F
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:50e9702c83446a6f55351eb312bc23fb
URL:http://acciconference2026.sched.com/event/50e9702c83446a6f55351eb312bc23fb
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F4b The Cultural Contexts of Family Financial Socialization: A Photovoice Study with First-Generation College Students from Immigrant Families
DESCRIPTION:This study investigates how family financial socialization (FFS) unfolds within immigrant-heritage families\, drawing on the experiences of first-generation college students. Existing research has largely focused on parent–child dynamics within White\, middle-class samples\, overlooking the ways migration histories\, cultural traditions\, and systemic barriers shape financial learning. Through a Photovoice project\, participants submitted images and reflections capturing formative financial experiences. Thematic Analysis revealed ten central themes that showed how financial lessons were communicated explicitly—through direct guidance—and implicitly—through observation\, necessity\, and responsibility. Critical Discourse Analysis further demonstrated how students’ narratives both reproduced and resisted racialized\, classed\, and cultural discourses about money. Findings highlight that FFS extends beyond parent–child interactions to include peers\, extended kin\, cultural values\, and encounters with institutions. Participants often served as cultural and financial intermediaries\, translating\, advocating\, and navigating financial systems on behalf of their families\, experiences that deeply informed their values and behaviors. These insights underscore the need to refine FFS frameworks to incorporate cultural and structural contexts and to design culturally responsive financial education that acknowledges the lived realities of immigrant and first-generation communities.\n\nAuthor(s): Miguel Quiñones\, Yesenia Alvarez Padilla
CATEGORIES:CONCURRENT F
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:4677e50bee69dbffab6b1ff549b6acd3
URL:http://acciconference2026.sched.com/event/4677e50bee69dbffab6b1ff549b6acd3
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T183000Z
DTEND:20260415T200000Z
SUMMARY:F4c Trusting the Machine: Who Is Interested in Financial Advice from AI?
DESCRIPTION:Artificial intelligence (AI) is rapidly transforming personal finance by offering affordable financial advice. While these tools have the potential to expand access to guidance and improve decision-making\, little is known about which consumers are most receptive to AI-driven financial advice. Identifying these groups is critical for understanding how technology can be leveraged to enhance consumer and family economic well-being. This study examines sociodemographic\, financial\, and psychological characteristics and digital engagement variables that are related to having an interest in getting financial advice from AI. The analysis focuses on whether characteristics such as age\, gender\, race/ethnicity\, household income\, financial literacy\, financial anxiety\, and frequency of digital behaviors are associated with openness to AI-based financial guidance. By clarifying who is most likely to adopt AI-driven financial advice\, the study provides insights into how emerging financial technologies can reduce barriers to professional guidance and promote household financial security\, inclusion\, and long-term consumer welfare.\n\nAuthor(s):Juhui Ko
CATEGORIES:CONCURRENT F
LOCATION:Pacific II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:be470a404ba1867da026849fdc2dab30
URL:http://acciconference2026.sched.com/event/be470a404ba1867da026849fdc2dab30
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T200000Z
DTEND:20260415T213000Z
SUMMARY:General Session 3 - Rhoda H. Karpatkin Lecture: Dr. Jinkook Lee
DESCRIPTION:"Population Aging and Brain Health: Global Perspectives\, Interdisciplinary Approaches"\n\nThe talk will discuss how population&nbsp\;aging is a global phenomenon\, with virtually every country in the world is experiencing growth in the number and proportion of older persons in their population. In light of this trend\, I will introduce innovations in global aging research\, particularly in the area of cognition and Alzheimer’s Disease and AD-Related Dementias. This will include new data on cognition\, dementia\, and dementia risk factors\, as well as discussion on emerging evidence and opportunities for further research.
CATEGORIES:GENERAL SESSION
LOCATION:International Ballroom III\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:1323de05b6436d3dc07e0b13a3ba54d5
URL:http://acciconference2026.sched.com/event/1323de05b6436d3dc07e0b13a3ba54d5
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T214500Z
DTEND:20260415T231500Z
SUMMARY:G1 - Planners and AI
DESCRIPTION:\n
CATEGORIES:CONCURRENT G
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:a658e3ce9445ecee82a1d5e80f97d21a
URL:http://acciconference2026.sched.com/event/a658e3ce9445ecee82a1d5e80f97d21a
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T214500Z
DTEND:20260415T231500Z
SUMMARY:G1a Preparing Future Financial Planners: Trust\, Gender\, and Academic Performance in AI Adoption
DESCRIPTION:The financial planning profession faces a critical challenge in preparing future practitioners to leverage artificial intelligence (AI) to expand access to financial guidance for underserved populations. This study applies Human-Automation Interaction theory to examine how trust\, gender\, and academic performance shape undergraduate financial planning students’ adoption of ChatGPT. A survey of 60 advanced financial planning students measured AI usage frequency\, trust in ChatGPT\, and reliance on AI advice. Results show significant positive correlations among trust\, usage frequency\, and reliance\, which are consistent with HAI theory predictions. Female students reported significantly higher ChatGPT usage than their male peers\, challenging prior evidence of women’s lower AI adoption rates. A negative relationship between GPA and AI advice reliance indicated that lower-performing students are more likely to depend on AI for financial guidance. These findings have critical implications for financial planning education and professional development\, including the need for trust-building curricula\, gender-responsive training\, and guidance to ensure ethical AI use that supports client well-being. By documenting how future financial planners develop relationships with AI\, this research highlights strategies for workforce development that can enhance consumer well-being and broaden access to quality financial advice through technology-enhanced practice.\n\nAuthor(s):&nbsp\;Efthymia Antonoudi\, Ashlyn Rollins-Koons\, Megan McCoy
CATEGORIES:CONCURRENT G
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:3b556f3ad3241b3e753fd4a82abfe1b2
URL:http://acciconference2026.sched.com/event/3b556f3ad3241b3e753fd4a82abfe1b2
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T214500Z
DTEND:20260415T231500Z
SUMMARY:G1b Technology-Enabled Financial Help-Seeking Behavior: Consumers’ Use of AI and Financial Planners on Saving for Retirement
DESCRIPTION:This study examines the effectiveness of artificial intelligence (AI) tools\, financial planners\, and their combined use in promoting retirement saving behavior among 2\,000 state and local government employees. The research introduces the Technology-Enabled Financial Help-Seeking (TEFHS) framework\, extending traditional help-seeking theory to incorporate AI-based advice sources. Using logistic regression analysis\, we find that all formal advice sources are associated with higher odds of retirement saving compared to using no advice. AI-only users demonstrate 75% higher odds of saving\, financial planner-only users show 181% higher odds\, and individuals using both sources exhibit 254% higher odds. These patterns support the TEFHS framework’s expectation that AI and human advisors work best when used together rather than in isolation\, contributing distinct forms of capital to retirement planning decisions. Results indicate persistent demographic disparities\, with women and Black participants showing lower saving rates despite advice access. The findings suggest that AI tools can expand access to retirement guidance for underserved populations while enhancing rather than replacing traditional advisory relationships. This research provides evidence-based insights for practitioners integrating technology into service delivery\, policymakers considering AI-enabled employee benefits\, and researchers studying technology adoption in financial services.\n\nAuthor(s): Efthymia Antonoudi\,&nbsp\;Eric Ludwig
CATEGORIES:CONCURRENT G
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:be3dbb7c8517ebda79b0804b81fe2150
URL:http://acciconference2026.sched.com/event/be3dbb7c8517ebda79b0804b81fe2150
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T214500Z
DTEND:20260415T231500Z
SUMMARY:G2 - Psychology of Success
DESCRIPTION:\n
CATEGORIES:CONCURRENT G
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:d4338ff84e537b73233838fe3e5817e3
URL:http://acciconference2026.sched.com/event/d4338ff84e537b73233838fe3e5817e3
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T214500Z
DTEND:20260415T231500Z
SUMMARY:G2a Blood\, Sweat\, and Net Worth: Grit as a Predictor of Financial Success in Young Adulthood
DESCRIPTION:This study examines the role of Grit\, a concept introduced by Angela Duckworth and defined as perseverance and passion for long-term goals\, in predicting financial success during young adulthood. Relying on data from the National Longitudinal Survey of Youth 1997 (NLSY97)\, we investigate the relationship between individuals’ Grit scores and financial outcomes at age 30\, including net worth\, debt\, assets\, and income. Survey-weighted OLS regressions reveal that higher Grit is significantly associated with greater net worth and asset accumulation at 30\, with a one-unit increase in Grit predicting an estimated $25\,800 increase in net worth and $430 in additional assets. Grit was not a significant predictor of debt\, though it was marginally related to higher income\, suggesting that Grit contributes to positive financial behaviors such as saving\, investing\, and long-term planning\, complementing traditional factors like education and financial literacy. While results highlight Grit’s potential as a psychological determinant of financial well-being\, limitations include measurement concerns with the Short Grit Scale and reliance on self-reported data. The study builds on other non-cognitive\, personality trait research in wealth-building and calls for further research to explore interventions that cultivate perseverance and persistence as pathways to financial stability.\n\nAuthor(s): Loren Flood\, Miles Sharpe\, Stuart Heckman
CATEGORIES:CONCURRENT G
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:b32d7036b4316c320fc52ca5dbd674c3
URL:http://acciconference2026.sched.com/event/b32d7036b4316c320fc52ca5dbd674c3
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T214500Z
DTEND:20260415T231500Z
SUMMARY:G2b Exploring Financial Sentiment\, Social Media Use\, and Speculative Investing
DESCRIPTION:As consumers rely more on social media for investment advice\, it is important to consider how this new information platform is related to investor perception. This paper utilizes the 2021 NFCS dataset to explore the relationship between financial sentiment\, as discussed in terms of optimism and pessimism\, and social media use for investment advice. Furthermore\, this study uses the lens of agency theory to explore these topics as they relate to investing in speculative assets. Initial findings show that social media use for investment advice has a positive relationship with consumers expressing more pessimistic financial sentiments. This finding\, and others\, are discussed in the context of a rapidly changing information landscape.\n\nAuthor(s): Morgen Nations\, Miranda Reiter
CATEGORIES:CONCURRENT G
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:4cbb18160cc2ec3859504b6b718fe422
URL:http://acciconference2026.sched.com/event/4cbb18160cc2ec3859504b6b718fe422
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T214500Z
DTEND:20260415T231500Z
SUMMARY:G2c Financial Well-being and Social Support Among College Athletes: Implications for Academic Success
DESCRIPTION:This study explores the financial well-being of college athletes\, specifically examining the relationship between financial concerns\, social support\, and academic outcomes. Using survey data on financial well-being\, perceived social support\, and GPA\, along with demographic factors\, this research identifies financial challenges unique to college athletes and investigates how social support networks may buffer financial stress and impact academic success. The findings aim to highlight potential avenues for targeted support to enhance the well-being and academic performance of student-athletes.\n\nAuthor(s):&nbsp\;Isabella Martin\, Sarah Burcher\, Richard Stebbins\, Erin Austin
CATEGORIES:CONCURRENT G
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:8a3695de1ac0c34a897f13ddaed19b81
URL:http://acciconference2026.sched.com/event/8a3695de1ac0c34a897f13ddaed19b81
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T214500Z
DTEND:20260415T231500Z
SUMMARY:G3 - Motivation and Wellbeing
DESCRIPTION:\n
CATEGORIES:CONCURRENT G
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:ecea9d5b7a1723347e275fd6ea8fff1d
URL:http://acciconference2026.sched.com/event/ecea9d5b7a1723347e275fd6ea8fff1d
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T214500Z
DTEND:20260415T231500Z
SUMMARY:G3a Examining the dimensions of financial vulnerability across age and gender: Evidence from a nationally representative survey in Spain
DESCRIPTION:This paper examines how financial vulnerability (FV) differs across age groups and between men and women using the 2021 Survey of Financial Competences\, a nationally representative sample of 7\,764 Spanish households. FV is measured along three dimensions—sensitivity\, (low) resilience\, and exposure. Results show an inverse U-shaped pattern in overall FV\, with middle-aged households being the most vulnerable\; (low) resilience displays the same inverted-U\, sensitivity tends to rise with age\, and exposure is most pronounced among younger households. Women exhibit higher FV than men\, largely explained by greater sensitivity\, while gender gaps in resilience and exposure are small in fully specified models and narrow with age. Generational comparisons indicate that exposure-related risks (e.g.\, renting\, job insecurity) weigh more heavily on Millennials and Zennials\, whereas sensitivity-related risks (e.g.\, income constraints and debt) are more salient among Baby Boomers. These findings support age- and gender-targeted\, dimension-specific interventions to mitigate household financial vulnerability.\n\nAuthor(s): Jorge Ruiz-Manjivar\, Sara Fernández-López\, Lucía Rey-Ares\, Marcos Álvarez-Espiño
CATEGORIES:CONCURRENT G
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:a27bcdca1048332298d7a144d09f2020
URL:http://acciconference2026.sched.com/event/a27bcdca1048332298d7a144d09f2020
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T214500Z
DTEND:20260415T231500Z
SUMMARY:G3b Not Again! The Impact of Daily Hassles on Well-Being through Basic Psychological Needs Satisfaction
DESCRIPTION:At various points in life\, people might encounter unexpected negative experiences\, which can be classified into three categories according to their severity and frequency: universal stressors\, personal shocks\, and daily hassles. While universal stressors and personal shocks have been actively studied\, less attention has been paid to daily hassles (i.e.\, experiences of daily living such as losing keys or waiting in line) despite their omnipresence and cumulative impact. \n Blending the theory of stress and coping and self-determination theory\, this study argues that daily life hassles influence well-being because they negatively affect the individual’s basic psychological need satisfaction. Using data from the 2025 Pregnancy Journey Survey\, we examine the extent to which basic psychological need satisfaction mediates the association between the individual’s experience of daily hassles and their sense of well-being. Findings from our study can guide the design of services or programs to support recognition of and coping with daily hassles as nagging or invisible stressors that rob the individual of higher levels of well-being.\n\nAuthor(s): Juha Lee\, Dee Warmath
CATEGORIES:CONCURRENT G
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:c736525abeeb144782e01db5cb5d974b
URL:http://acciconference2026.sched.com/event/c736525abeeb144782e01db5cb5d974b
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T214500Z
DTEND:20260415T231500Z
SUMMARY:G3c You Inspire Me: The Role of Autonomous Motivation in the Well-Being Benefits of Supportive Relationships
DESCRIPTION:People with more supportive relationships in life tend to have higher levels of life satisfaction. The reason most often given is that relationship quality offers stability and a sense of being supported or loved. Another stream of research\, grounded in Self-Determination Theory\, suggests that people who pursue goals that are personally meaningful tend to have greater goal success and resulting life satisfaction. From this perspective\, the type of motivation an individual has for goal pursuit can influence how persistent and successful they are in achieving the goals . From these two streams of research\, it appears that supportive relationships and the pursuit of goals for authentic reasons both matter for life satisfaction. However\, research has rarely studied the role of goal motivation as an explanation for the association between the quality of an individual’s relationships and their well-being. Through the lens of Self-Determination Theory\, this study explores whether autonomous motivation for goal pursuit mediates the association between the quality of an individual’s personal relationships and their overall life satisfaction. Study findings have implications for the design of programs and policies to promote autonomous goal setting and pursuit in the health domain as well as other life domains (e.g.\, finance).\n\nAuthor(s):&nbsp\;Taitum Maxwell\, Dee Warmath
CATEGORIES:CONCURRENT G
LOCATION:Pacific I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:d3f510ed564ced453999733317994112
URL:http://acciconference2026.sched.com/event/d3f510ed564ced453999733317994112
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T231500Z
DTEND:20260415T233000Z
SUMMARY:Beverage Refreshment Break
DESCRIPTION:Coffee\, tea\, soda\, and water.
CATEGORIES:FOOD & BEVERAGE
LOCATION:Promenade\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:14f1fc9d7841454b1d48e64c4bb484e3
URL:http://acciconference2026.sched.com/event/14f1fc9d7841454b1d48e64c4bb484e3
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T233000Z
DTEND:20260416T010000Z
SUMMARY:H1 - Inclusive Financial Services
DESCRIPTION:\n
CATEGORIES:CONCURRENT H
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:5a9e472b855df230988518e91de2516e
URL:http://acciconference2026.sched.com/event/5a9e472b855df230988518e91de2516e
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T233000Z
DTEND:20260416T010000Z
SUMMARY:H1a Closing the Gaps: How Financial Services and Education Can Better Serve Sexual and Gender Minority Couples
DESCRIPTION:People who are considered a sexual and gender minority (SGM) person identify as a sexual orientation other than heterosexual (e.g.\, lesbian\, gay\, bisexual\; sexual minority) or whose gender identity does not match their sex assigned at birth (e.g.\, transgender\, nonbinary\, queer\; gender minority). Much of what researchers know about family finance has been identified based on research focusing on cisgender heterosexual people and operates under the assumption of generalizability. Yet\, sexual and gender minority (SGM) couples likely experience important differences when engaging with financial services and professionals. We seek to understand the experiences of SGM people in relationships\, who are not traditionally represented in family finance. We focus on expanding our understanding of access and inclusion in financial services and education. Specifically\, we examined the research question: What can financial service providers and educators do to support SGM couples and families? Qualitative analysis\, specifically deductive thematic analysis\, examined responses from 300 SGM respondents in relationships (100 women in relationships with women\, 101 men in relationships with men\, 99 gender minority people in relationships). Using suggestions directly from SGM people will help financial practitioners better understand and know how to provide more inclusive and effective services to these populations.\n\nAuthor(s): Melissa Wilmarth\, Heather Love\, Casey Totenhagen
CATEGORIES:CONCURRENT H
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:287e7d7e7399e7840359b0cab6d1922d
URL:http://acciconference2026.sched.com/event/287e7d7e7399e7840359b0cab6d1922d
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T233000Z
DTEND:20260416T010000Z
SUMMARY:H1b Frugality and Financial Well-being: A Generational View
DESCRIPTION:Younger people often hear parents or grandparents lamenting about how inexpensive things seemed to be “back in their day.” Gas was only 50 cents\, milk was cheaper. Today\, the price of consumer goods and the housing market have increased with inflation and economic upheaval compared to previous decades\, but unfortunately\, wages and purchasing power have not kept up with the demands on our wallets. The economic context of each generation informs their financial attitudes\, which impacts behavior and financial outcomes. Throughout this study\, we investigate the associations between generational cohort\, frugal financial attitudes\, and financial well-being. This study includes three research questions: RQ1) How is generational cohort associated with frugal financial attitudes (e.g.\, setting up emergency funds\, spending less than earned\, and perceived low debt burden)? RQ2) How is generational cohort associated with financial well-being? RQ3) How are frugal financial attitudes associated with financial well-being? Frugal attitudes positively influence financial well-being across all five generational cohorts. These findings suggest that fostering frugal financial attitudes can serve as protective factors that enhance perceived financial satisfaction and security.\n\nAuthor(s): Yoon Lee\, Isadora Ferreira De Melo
CATEGORIES:CONCURRENT H
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:e48aed64e688384ce8d30c7ff8e993a2
URL:http://acciconference2026.sched.com/event/e48aed64e688384ce8d30c7ff8e993a2
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T233000Z
DTEND:20260416T010000Z
SUMMARY:H1c Scarcity Mindset’s Positive Association with Using Alternative Financial Services
DESCRIPTION:This study tests whether a scarcity mindset is associated with the use of alternative financial services\, whether the association is stable above and beyond established predictors of the use of alternative financial services\, and whether it differs by household income.\n\nAuthor(s): George Rooney\,&nbsp\;Cäzilia Loibl
CATEGORIES:CONCURRENT H
LOCATION:International Ballroom I\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:2cde5bfba6b07ce7c21144c4a237b8cc
URL:http://acciconference2026.sched.com/event/2cde5bfba6b07ce7c21144c4a237b8cc
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T233000Z
DTEND:20260416T010000Z
SUMMARY:H2 - Spending and Wellbeing
DESCRIPTION:\n
CATEGORIES:CONCURRENT H
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:c9558dac72110ae20ec6d9cd4ed70e2f
URL:http://acciconference2026.sched.com/event/c9558dac72110ae20ec6d9cd4ed70e2f
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T233000Z
DTEND:20260416T010000Z
SUMMARY:H2a Household Debt and Perceived Financial Well-being
DESCRIPTION:This study investigates the relationship between household debt and perceived financial well-being. Using multivariate analysis over four waves of data from the National Longitudinal Surveys (NLS)\, findings from this study indicate the significant impact debt can have on the financial well-being of households across America\, and that households look to available resources\, including income and assets\, to manage their debt situation. From a consumer impact vantage point\, it is critical to assess the subjective nature of financial well-being through the lens of salient objective financial measures\, while integrating individual coping strategies involving resource availability.\n\nAuthor(s): Tairsa Mathews\, Brandon Perry\, Stuart Heckman
CATEGORIES:CONCURRENT H
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:7e6554b8c74c48f4a4eb0866fb812402
URL:http://acciconference2026.sched.com/event/7e6554b8c74c48f4a4eb0866fb812402
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T233000Z
DTEND:20260416T010000Z
SUMMARY:H2b Myth or Reality: Do Younger Cohorts Prioritize Present-Oriented Spending?
DESCRIPTION:This study analyzes Consumer Expenditure Survey data from 2004 to 2023 to investigate cohort effects on expenditure in categories strongly associated with present orientation: food away from home\, entertainment\, alcohol\, and tobacco. We use Ordinary Least Squares regression\, logistic regression\, and Tobit regression models and control for a rich set of individual and household sociodemographic characteristics in the analysis. Our findings reveal generational differences that are neither monotonic nor consistent across all categories. This indicates that present orientation in spending does not simply increase or decrease across generations. Instead\, it manifests differently in each cohort depending on cultural norms\, economic conditions\, and shifting societal values.\n\nAuthor(s): Jessie Fan\, Hua Zan
CATEGORIES:CONCURRENT H
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:e45213bda392cfcd503266952cca5d56
URL:http://acciconference2026.sched.com/event/e45213bda392cfcd503266952cca5d56
END:VEVENT
BEGIN:VEVENT
DTSTAMP:20260417T151021Z
DTSTART:20260415T233000Z
DTEND:20260416T010000Z
SUMMARY:H2c Positive Financial Planning: A Pilot Study Exploring Spending and Well-Being through an Experimental Survey
DESCRIPTION:This study explored an experimental survey aimed at increasing awareness of spending behaviors through a traditional (control) or well-being (intervention) lens across time\, and investigated the relationships between general well-being\, financial self-efficacy\, financial skill\, financial anxiety\, and financial well-being in a large sample (N=1\,174) of U.S. adults with diverse characteristics\, although not nationally representative. The primary data were collected through five surveys using Qualtrics from June 3\, 2024\, through July 17\, 2024. Given extreme attrition\, only the data from wave 1 were used\, and group differences were not detectable. The intervention result informs future studies regarding attrition rates for personal finance interventions. The wave one cross-sectional data from the full sample yields significant relationships across theoretical constructs. The results combine to indicate that greater general well-being has a consistent and robust relationship with improved financial well-being\, with financial skill/efficacy accounting for a future\, but not a current\, time perspective. However\, financial anxiety is more pervasive in that it crosses time perspective dimensions through its relationship with reduced expected future financial security and increased current money management stress.\n\nAuthor(s):&nbsp\;Sarah Asebedo\, Todd Little
CATEGORIES:CONCURRENT H
LOCATION:International Ballroom II\, 701 West Ocean Boulevard\, Long Beach\, CA\, USA
SEQUENCE:0
UID:cc7015024b9d45724e82b450c82d0b16
URL:http://acciconference2026.sched.com/event/cc7015024b9d45724e82b450c82d0b16
END:VEVENT
END:VCALENDAR