ACCI Conference 2026

Board Meeting 3:00pm - 6:00pm

Board Dinner 6:30pm - 8:30pm

Registration 2:00pm - 7:00pm

Welcome Cocktails 6:00pm - 6:30pm

Board Meeting 8:00am - 4:00pm

JCA AE’s & Editorial Board Meeting 4:00pm - 5:00pm

First Timers Welcome 5:00pm - 6:00pm

Registration 7:00am - 5:00pm

A5b What Makes Refurbished Acceptable? A Two-Stage Study of Purchase Intention and Discount Thre... 8:30am - 10:00am

A5a How Consumers Learn About Climate Risks: Disaster Experience, Media Coverage, and Insurance... 8:30am - 10:00am

A5 - Sustainable Consumer Behavior 8:30am - 10:00am

B5b Tracking Every Dollar: How Do Information Sources and Financial Access Support Budgeting? 10:15am - 11:45am

B5 - Financial Access 10:15am - 11:45am

B5c Knowledge Is Not Enough: Race, Gender, and the Unequal Returns to Financial Literacy in U.S.... 10:15am - 11:45am

B5a Developing and Validating the Individual Financial Access Scale: A Multidimensional Measurem... 10:15am - 11:45am

C5 - Consumption and Housing 2:15pm - 3:45pm

C5c Paying for the Past, Delaying the Future: A Longitudinal Study of Student Loans and Millenni... 2:15pm - 3:45pm

C5b Homeownership: Should Advisors Ignore the Elephant in the Room? 2:15pm - 3:45pm

C5a Greed or Need: Study on the Impact of Consumer Expectations and Surprise on Food Consumption... 2:15pm - 3:45pm

A1c When the game stops being fun: understanding the relationship between gamification and consu... 8:30am - 10:00am

A1a The effect of anthropomorphism of female virtual influencers on women’s objectification and... 8:30am - 10:00am

A1b Unequal Returns: Wage Disparities among LGBTQ+ Individuals through Human Capital and Interse... 8:30am - 10:00am

A1 - Consumer Well Being 8:30am - 10:00am

B1c The Dual Role of Convenience and Stress: Buy Now, Pay Later and Household Financial Well-Bei... 10:15am - 11:45am

B1 - Debt and Financial Well-being 10:15am - 11:45am

B1a Buy Now, Pay Later: Financial Flexibility or Financial Fragility? 10:15am - 11:45am

B1b Left Behind by Design? Unmet HEALTH Needs, Medical DEBT, Caregiving, and Household Financial... 10:15am - 11:45am

C1 - Financial Personality Traits 2:15pm - 3:45pm

C1c The Role of Locus of Control, Financial Literacy, and Retirement Planning in Predicting Life... 2:15pm - 3:45pm

C1a Personality Traits, Social Security Claiming Age, and Financial Satisfaction: Evidence from... 2:15pm - 3:45pm

C1b The Influence of Personality Traits on the Financial Bandwagon Effect: The Moderating Role o... 2:15pm - 3:45pm

A2c The Determinants of Financial Awareness: A Quantile Regression Approach 8:30am - 10:00am

A2a From Perception to Loss: A Two-Phase Approach to Measuring Financial Fraud 8:30am - 10:00am

A2 - Financial Fraud 8:30am - 10:00am

A2b Mobile Fintech Usage and Consumers' Exposure to Financial Fraud 8:30am - 10:00am

B2c Short-Term Gains, Long-Term Pains: How Borrowing and Cashing-Out Impact Retirement Readiness 10:15am - 11:45am

B2a Balancing Multiple Savings Goals: A Unified Framework of Short- and Long-Term Saving 10:15am - 11:45am

B2 - Retirement Readiness 10:15am - 11:45am

C2b Financial Preparedness and Early Economic Outcomes of Youth Transitioning from Foster Care:... 2:15pm - 3:45pm

C2c The Power of Patience: A Global Longitudinal Study of Delayed Gratification and Its Impact o... 2:15pm - 3:45pm

C2 - Longitudinal Financial Research 2:15pm - 3:45pm

C2a Depression as a Mediator Between Widowhood and Financial Strain: A Longitudinal Analysis of... 2:15pm - 3:45pm

General Session 1 - Colston Warne Lecture: Dr. Annamaria Lusardi 12:00pm - 2:00pm

General Session 2 - ACCI Business Meeting 4:00pm - 5:15pm

P119 Measuring Consumer Preparedness in the Age of AI: Developme... 5:30pm - 6:30pm

P113 Enclaves as Buffers or Amplifiers? Immigrant Communities an... 5:30pm - 6:30pm

P120 Moderating Role of Environmental Self-Efficacy in the Relat... 5:30pm - 6:30pm

P110 Consumer Programs in Universities 5:30pm - 6:30pm

P123 Social Media and Household Overspending: Platform Specific... 5:30pm - 6:30pm

P112 Disaster Risk, Alternative Financial Services, and Communit... 5:30pm - 6:30pm

P129 Social Determinants of Health and the Use of Weight-Managem... 5:30pm - 6:30pm

P101 Active Vs Passive Funds Investment Decision: The Role of Fi... 5:30pm - 6:30pm

P114 Examining Characteristic Barriers Qualifying Taxpayers Face... 5:30pm - 6:30pm

P126 The Relationship between Narrative Framing, Regulatory Focu... 5:30pm - 6:30pm

P121 Multidimensional Deprivation and the Stress Pathway in Adol... 5:30pm - 6:30pm

P106 Breaking Barriers: Exploring the Lived Experiences of Black... 5:30pm - 6:30pm

P109 Consumer Digital Literacy and the Use of AI-Based Services 5:30pm - 6:30pm

P108 Connecting the Investment Dots: A Canonical Correlation Ana... 5:30pm - 6:30pm

P105 Behavioral Externalities of AI in Consumer Finance 5:30pm - 6:30pm

P128 What “Neutral” Really Means in Online Conversations about S... 5:30pm - 6:30pm

P107 Breaking the Negativity Bias: How Post-Error Explanations D... 5:30pm - 6:30pm

P125 The Impact of Financial Literacy on Emergency Savings: Mode... 5:30pm - 6:30pm

P102 Analysis of Time, Money and Health Education Model 5:30pm - 6:30pm

P127 The Role of Consumer Technology Optimism in the Age of AI 5:30pm - 6:30pm

P122 Post-Pandemic Education Pathways and Mental Health of Emerg... 5:30pm - 6:30pm

P115 Examining Financial Literacy of Hispanic Student Parents in... 5:30pm - 6:30pm

P104 Association Between Work-Life Boundary Setting and Perceive... 5:30pm - 6:30pm

P124 Still Struggling? The Effects of Economic Hardship and Fina... 5:30pm - 6:30pm

P118 Mapping Personal Finance Education across the US: High Scho... 5:30pm - 6:30pm

P116 Financial Inclusion through Investment Participation: Trust... 5:30pm - 6:30pm

P130 Factors associated with perceived efficacy and safety of we... 5:30pm - 6:30pm

P111 Cryptocurrency Use Among Banked and Unbanked Americans: Evi... 5:30pm - 6:30pm

P103 Anchoring Effect, Loss Aversion, and Bidders’ Behavior: New... 5:30pm - 6:30pm

P117 Framing the Cost of Going Green: Differential Drivers of Fi... 5:30pm - 6:30pm

JCA Editors & Associate Editors Dinner (invitation only) 7:00pm - 8:30pm

A3 - Financial Resilience 8:30am - 10:00am

A3b Flood Events and Precautionary Savings 8:30am - 10:00am

A3c Generational Differences in Emergency Fund Savings: An Analysis of Demographic, Economic, an... 8:30am - 10:00am

A3a Financial Resilience and Financial Disagreement Mediate the Associations between Economic Ad... 8:30am - 10:00am

B3 - Financial Self-Efficacy 10:15am - 11:45am

B3c Mind the Bias: Educational Mandates and the Perception Bias in Financial Knowledge 10:15am - 11:45am

B3a Enhancing Financial Self-Efficacy through Financial Literacy: Leveraging Financial Education... 10:15am - 11:45am

B3b Financial Self-efficacy and Female Finances: Suggestions for Mitigating the Gender Gap 10:15am - 11:45am

C3 - AI and Fintech 2:15pm - 3:45pm

C3c Who Uses AI in Financial Planning? Evidence from Survey Data 2:15pm - 3:45pm

C3b Trusting the Algorithm: Factors Influencing Public Sector Employee Comfort with AI for Finan... 2:15pm - 3:45pm

C3a Fintech Familiarity, Usage, And Implications for Rural Financial Planning: Evidence from Sou... 2:15pm - 3:45pm

A4b Hard Financial Times, Strong Bonds: Love, Purpose, and Mental Health 8:30am - 10:00am

A4a But Who Supports Mama? Examining the Roles of Social Support and Basic Psychological Needs S... 8:30am - 10:00am

A4c Material hardship, risky health behaviors, and mental health 8:30am - 10:00am

A4 - Mental Health & Resilience 8:30am - 10:00am

B4a Does Cash Assistance Achieve Food Security? Evidence from South Korea's Livelihood Benefit P... 10:15am - 11:45am

B4 - Public Assistance 10:15am - 11:45am

B4b Licensed Payday Lender Availability and Energy Assistance Participation 10:15am - 11:45am

C4 - College Student Wellbeing 2:15pm - 3:45pm

C4a Cultural Framing and Consumer Education: Enhancing Healthy Eating Intentions among College S... 2:15pm - 3:45pm

C4c Financial Independence and Personal Finance Topics Demanded by College Students 2:15pm - 3:45pm

C4b Financial Independence and Mental Health of Young Adult College Students 2:15pm - 3:45pm

Past Presidents Dinner (invitation only) 7:00pm - 8:30pm

Breakfast 7:00am - 8:30am

Beverage Refreshme...

Beverage Refreshme...

Registration 7:00am - 4:30pm

D5 - Modern Market Dynamics 8:00am - 9:30am

D5b Smart service spatial positioning and smart service premium on housing price 8:00am - 9:30am

D5c The Impact of Payday Lending Access on Household Consumption Patterns: Evidence from Ohio's... 8:00am - 9:30am

D5a Exploring the Role of Financial Knowledge and Technology Use in Consumer Adoption of AI for... 8:00am - 9:30am

D1c Financial Confidence, Overconfidence, and Underconfidence: A Methodological Review 8:00am - 9:30am

D1a Close Your Windows, Lock Your Doors: A Framework of How Crime Concerns Influence Crime-Prote... 8:00am - 9:30am

D1b Consumer Overconfidence and Finfluencer Engagement: From Viewing to Vulnerability 8:00am - 9:30am

D1 - Risk and Confidence 8:00am - 9:30am

E1c The Capability Approach to Life Satisfaction: Extending through Financial Optimism 9:45am - 11:15am

E1a Exploring Life Satisfaction: The Role of Financial Satisfaction and Financial Resilience in... 9:45am - 11:15am

E1b The Double Burden of Intergenerational Support for Korean Baby Boomers: Within-Between Evide... 9:45am - 11:15am

E1 - Life Satisfaction 9:45am - 11:15am

F1 - Risk and Equity 11:30am - 1:00pm

F1b Long-Run Effects of COVID-19 on Financial Risk Tolerance: Racial/Ethnic Heterogeneity in the... 11:30am - 1:00pm

F1c Racial and Ethnic Disparities in Confidence Toward Financial Institutions 11:30am - 1:00pm

F1a Can Financial Resilience Typologies Be Used to Describe Financial Risk Tolerance? 11:30am - 1:00pm

G1a Preparing Future Financial Planners: Trust, Gender, and Academic Performance in AI Adoption 2:45pm - 4:15pm

G1 - Planners and AI 2:45pm - 4:15pm

G1b Technology-Enabled Financial Help-Seeking Behavior: Consumers’ Use of AI and Financial Plann... 2:45pm - 4:15pm

H1a Closing the Gaps: How Financial Services and Education Can Better Serve Sexual and Gender Mi... 4:30pm - 6:00pm

H1c Scarcity Mindset’s Positive Association with Using Alternative Financial Services 4:30pm - 6:00pm

H1 - Inclusive Financial Services 4:30pm - 6:00pm

H1b Frugality and Financial Well-being: A Generational View 4:30pm - 6:00pm

D2c Perceived and Actual Financial Education and Financial Well-being 8:00am - 9:30am

D2 - Financial Education Impact 8:00am - 9:30am

D2b Contrasting Incorrect and “Don’t Know” Responses to Personal Finance Questions in Relation t... 8:00am - 9:30am

D2a Beyond Financial Education and Knowledge-The Effect of Objective Financial Knowledge and Fin... 8:00am - 9:30am

E2c Preserving Family Legacy: BIPOC Perspectives of Small Business Succession Planning 9:45am - 11:15am

E2b How Childhood Family Stability Shapes Adult Financial Outcomes 9:45am - 11:15am

E2 - Family and Futures 9:45am - 11:15am

E2a Family Ties and Educational Futures: Parental Closeness and the Aspiration–Expectation Gap 9:45am - 11:15am

F2a COVID-19’s Lingering Consequences: Trends in Financial Hardship by Infection History and Act... 11:30am - 1:00pm

F2 - Financial Hardship Dynamics 11:30am - 1:00pm

F2b Income and Intertemporal Investment Decisions Evidence from Education, Savings, and Insuranc... 11:30am - 1:00pm

G2b Exploring Financial Sentiment, Social Media Use, and Speculative Investing 2:45pm - 4:15pm

G2c Financial Well-being and Social Support Among College Athletes: Implications for Academic Su... 2:45pm - 4:15pm

G2a Blood, Sweat, and Net Worth: Grit as a Predictor of Financial Success in Young Adulthood 2:45pm - 4:15pm

G2 - Psychology of Success 2:45pm - 4:15pm

H2a Household Debt and Perceived Financial Well-being 4:30pm - 6:00pm

H2 - Spending and Wellbeing 4:30pm - 6:00pm

H2c Positive Financial Planning: A Pilot Study Exploring Spending and Well-Being through an Expe... 4:30pm - 6:00pm

H2b Myth or Reality: Do Younger Cohorts Prioritize Present-Oriented Spending? 4:30pm - 6:00pm

D3a Consumer Fraud Victimization and the Shift Toward AI Financial Advice 8:00am - 9:30am

D3c Mobile Financial Services Usage Breadth and Consumer Interest in AI-Based Financial Advice 8:00am - 9:30am

D3b Consumer Interest in AI Financial Advice: Findings from a 2024 U.S. National Survey 8:00am - 9:30am

D3 - AI Financial Advice 8:00am - 9:30am

E3 - Health and Finance 9:45am - 11:15am

E3a Among Retirees, What is the Relationship Between Asset Allocation of Financial Assets and Re... 9:45am - 11:15am

E3c Uninsured and Unbanked: Examining the Relationship between Lacking Health Insurance and Fina... 9:45am - 11:15am

E3b Health Insurance Literacy and Graduate Student Healthcare Expenses 9:45am - 11:15am

F3c The Role of Language, Gender, and Cognitive Engagement in Shaping Financial Literacy: Eviden... 11:30am - 1:00pm

F3b Gender Role and the Likelihood of Marriage: Evidence from Korea 11:30am - 1:00pm

F3 - Gender and Finance 11:30am - 1:00pm

F3a Beyond the Transaction: Gender, Selling on Credit, and Consumer Relationships in Ghana 11:30am - 1:00pm

G3a Examining the dimensions of financial vulnerability across age and gender: Evidence from a n... 2:45pm - 4:15pm

G3b Not Again! The Impact of Daily Hassles on Well-Being through Basic Psychological Needs Satis... 2:45pm - 4:15pm

G3c You Inspire Me: The Role of Autonomous Motivation in the Well-Being Benefits of Supportive R... 2:45pm - 4:15pm

G3 - Motivation and Wellbeing 2:45pm - 4:15pm

D4c Biopsychosocial Determinants of Financial Well-Being in Older Adults: A Structural Equation... 8:00am - 9:30am

D4a Connecting the Dots: Digital Access, Literacy, and Well-Being in Older Adults 8:00am - 9:30am

D4b The Relationship between Personality and Older Americans’ Ownership of Annuity Income: A Lat... 8:00am - 9:30am

D4 - Aging and Well-being 8:00am - 9:30am

E4 - AI and Ethics 9:45am - 11:15am

E4b The Post-Pandemic Investor Landscape: Evidence from the 2024 NFCS Investor Survey 9:45am - 11:15am

E4a Is Generative Artificial Intelligence (GenAI ) a Good Financial Advisor? 9:45am - 11:15am

E4c Through a Moral Lens: Moral Foundations and Public Acceptance of Artificial Intelligence Acr... 9:45am - 11:15am

F4b The Cultural Contexts of Family Financial Socialization: A Photovoice Study with First-Gener... 11:30am - 1:00pm

F4a Can FinTech help households save for emergencies? Evidence from debt-burdened families 11:30am - 1:00pm

F4c Trusting the Machine: Who Is Interested in Financial Advice from AI? 11:30am - 1:00pm

F4 - Fintech and Socialization 11:30am - 1:00pm

Breakfast 7:00am - 8:00am

Beverage Refreshme...

Beverage Refreshme...