6:00pm PDT

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...
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Presenters

Lisa Baiwir

PhD Candidate, HEC Liège

I'm a PhD candidate and Teaching Assistant in Marketing at the University of Liège (Belgium), expected to graduate in Summer 2026. My research sits at the intersection of technology interaction and consumer well-being, with a particular focus on dysfunctional engagement patterns... Read More →

Tuesday April 14, 2026 8:30am - 10:00am PDT
International Ballroom I

Concurrent A

8:30am PDT

A2 - Financial Fraud

Tuesday April 14, 2026 8:30am - 10:00am PDT

International Ballroom II

Moderators

MJ Kabaci

Retired, Montana State University

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

Tuesday April 14, 2026 8:30am - 10:00am PDT
International Ballroom II

Concurrent A

8:30am PDT

A2a From Perception to Loss: A Two-Phase Approach to Measuring Financial Fraud

Tuesday April 14, 2026 8:30am - 10:00am PDT

International Ballroom II

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...
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Presenters

Kyoung Tae Kim

Professor and Chair, University of Alabama

Tuesday April 14, 2026 8:30am - 10:00am PDT
International Ballroom II

Concurrent A

8:30am PDT

A2b Mobile Fintech Usage and Consumers' Exposure to Financial Fraud

Tuesday April 14, 2026 8:30am - 10:00am PDT

International Ballroom II

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...
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Presenters

Yeqi Zhu

Ph.D Student, University of Georgia

Tuesday April 14, 2026 8:30am - 10:00am PDT
International Ballroom II

Concurrent A

8:30am PDT

A2c The Determinants of Financial Awareness: A Quantile Regression Approach

Tuesday April 14, 2026 8:30am - 10:00am PDT

International Ballroom II

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...
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Presenters

Donald Lacombe

Associate Professor, Texas Tech University

Nasima Khatun

Assistant Teaching Professor, Florida State University

Tuesday April 14, 2026 8:30am - 10:00am PDT
International Ballroom II

Concurrent A

8:30am PDT

A3 - Financial Resilience

Tuesday April 14, 2026 8:30am - 10:00am PDT

Pacific I

Moderators

Piotr Bialowolski

Full Professor, Kozminski University

Tuesday April 14, 2026 8:30am - 10:00am PDT
Pacific I

Concurrent A

8:30am PDT

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

Tuesday April 14, 2026 8:30am - 10:00am PDT

Pacific I

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...
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Presenters

Zewei Liu

Dr, Chinese University of Hong Kong

Tuesday April 14, 2026 8:30am - 10:00am PDT
Pacific I

Concurrent A

8:30am PDT

A3b Flood Events and Precautionary Savings

A5a How Consumers Learn About Climate Risks: Disaster Experience, Media Coverage, and Insurance Decisions

Tuesday April 14, 2026 8:30am - 10:00am PDT

Atlantic I & II

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...
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Presenters

Yilan Xu

Associate Professor, University of Illinois at Urbana-Champaign

Tuesday April 14, 2026 8:30am - 10:00am PDT
Atlantic I & II

Concurrent A

8:30am PDT

A5b What Makes Refurbished Acceptable? A Two-Stage Study of Purchase Intention and Discount Thresholds

Tuesday April 14, 2026 8:30am - 10:00am PDT

Atlantic I & II

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...
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Presenters

Yuhyeon Seo

Doctoral candidate, Chonnam National University

Tuesday April 14, 2026 8:30am - 10:00am PDT
Atlantic I & II

Concurrent A

10:00am PDT

Beverage Refreshment Break

Tuesday April 14, 2026 10:00am - 10:15am PDT

Promenade

Coffee, tea, and water.

Tuesday April 14, 2026 10:00am - 10:15am PDT
Promenade

Food & Beverage

Pacific I

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...
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Presenters

Taufiq Quadria

Graduate Part Time Instructor/PhD Student, Texas Tech University

Tuesday April 14, 2026 10:15am - 11:45am PDT
Pacific I

Concurrent B

10:15am PDT

B4 - Public Assistance

Tuesday April 14, 2026 10:15am - 11:45am PDT

Pacific II

Moderators

Cäzilia Loibl

Professor, The Ohio State University

Tuesday April 14, 2026 10:15am - 11:45am PDT
Pacific II

Concurrent B

10:15am PDT

B4a Does Cash Assistance Achieve Food Security? Evidence from South Korea's Livelihood Benefit Program

Tuesday April 14, 2026 10:15am - 11:45am PDT

Pacific II

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...
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Presenters

Namhoon Kim

Associate Professor, Pusan National University

Tuesday April 14, 2026 10:15am - 11:45am PDT
Pacific II

Concurrent B

10:15am PDT

B4b Licensed Payday Lender Availability and Energy Assistance Participation

Tuesday April 14, 2026 10:15am - 11:45am PDT

Pacific II

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,...
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Presenters

Melody Harvey

Assistant Professor, University of Wisconsin-Madison

I am a postdoctoral fellow at the Institute for Research on Poverty and an incoming assistant professor in the Department of Consumer Science (effective Fall 2020), both at the University of Wisconsin-Madison. I study the impacts of consumer policies on economically vulnerable populations... Read More →

Tuesday April 14, 2026 10:15am - 11:45am PDT
Pacific II

Concurrent B

10:15am PDT

B5 - Financial Access

Tuesday April 14, 2026 10:15am - 11:45am PDT

Atlantic I & II

Moderators

Yasemin Akcan Barto

Assistant Professor, Truman State University

Tuesday April 14, 2026 10:15am - 11:45am PDT
Atlantic I & II

Concurrent B

10:15am PDT

B5a Developing and Validating the Individual Financial Access Scale: A Multidimensional Measurement Tool for Consumer Financial Wellbeing

Tuesday April 14, 2026 10:15am - 11:45am PDT

Atlantic I & II

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...
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Presenters

Julie Birkenmaier

Professor, Saint Louis University

My main research agenda is focused on financial capability and financial access topics.

Tuesday April 14, 2026 10:15am - 11:45am PDT
Atlantic I & II

Concurrent B

10:15am PDT

B5b Tracking Every Dollar: How Do Information Sources and Financial Access Support Budgeting?

Tuesday April 14, 2026 10:15am - 11:45am PDT

Atlantic I & II

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,...
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Presenters

Madelaine L'Esperance

Assistant Professor, University of Alabama

I am an Assistant Professor in the Department of Consumer Sciences at The University of Alabama. I am also a faculty affiliate of the Center for Financial Security at the University of Wisconsin-Madison.

My research focuses on three key areas: how youth and young adults develop financial capability; the role of safety net programs in promoting financial health; and the financial behavior of people with disabilities. I have published in the Journal of Family Economic Issues. My... Read More →

Tuesday April 14, 2026 10:15am - 11:45am PDT
Atlantic I & II

Concurrent B

10:15am PDT

B5c Knowledge Is Not Enough: Race, Gender, and the Unequal Returns to Financial Literacy in U.S. Financial Inclusion

Tuesday April 14, 2026 10:15am - 11:45am PDT

Atlantic I & II

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...
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Presenters

Mengya Wang

Assistant professor and personal financial state specialist, Oklahoma State University

Tuesday April 14, 2026 10:15am - 11:45am PDT
Atlantic I & II

Concurrent B

12:00pm PDT

General Session 1 - Colston Warne Lecture: Dr. Annamaria Lusardi

Tuesday April 14, 2026 12:00pm - 2:00pm PDT

International Ballroom III

"The Importance of Financial Literacy: Evidence from 10 Years of Data"The 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...
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Speakers

Dr. Annamaria Lusardi

Stanford University

Tuesday April 14, 2026 12:00pm - 2:00pm PDT
International Ballroom III

General Session

2:15pm PDT

C1 - Financial Personality Traits

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

International Ballroom I

Moderators

Taufiq Quadria

Graduate Part Time Instructor/PhD Student, Texas Tech University

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
International Ballroom I

Concurrent C

2:15pm PDT

C1a Personality Traits, Social Security Claiming Age, and Financial Satisfaction: Evidence from the 2018 Health and Retirement Study

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

International Ballroom I

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...
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Presenters

Taufiq Quadria

Graduate Part Time Instructor/PhD Student, Texas Tech University

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
International Ballroom I

Concurrent C

2:15pm PDT

C1b The Influence of Personality Traits on the Financial Bandwagon Effect: The Moderating Role of Locus of Control

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

International Ballroom I

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...
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Presenters

Yi Liu

Assistant Professor, St. John Fisher University

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
International Ballroom I

Concurrent C

2:15pm PDT

C1c The Role of Locus of Control, Financial Literacy, and Retirement Planning in Predicting Life Satisfaction Among Older Women: Variations by Marital Status

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

International Ballroom I

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...
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Presenters

Stephanie Rystrom

Doctoral student, graduate teaching assistant, Texas Tech University

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
International Ballroom I

Concurrent C

C3 - AI and Fintech

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

Pacific I

Moderators

Congrong Ouyang

Assistant Professor, Texas A&M University

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
Pacific I

Concurrent C

2:15pm PDT

C3a Fintech Familiarity, Usage, And Implications for Rural Financial Planning: Evidence from Southern U.S. Agricultural Producers

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

Pacific I

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...
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Presenters

Olamide Olajide

Assistant Professor, Texas Tech University

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
Pacific I

Concurrent C

2:15pm PDT

C3b Trusting the Algorithm: Factors Influencing Public Sector Employee Comfort with AI for Financial Planning

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

Pacific I

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...
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Presenters

Richard Stebbins

Assistant Professor, University of Alabama

Richard Stebbins started his career working in the financial planning profession at a boutique firm specializing in college professors. His clients inspired him to pursue a career in academia and he has been sharing what he has learned with students for over a decade. He has written... Read More →

Zhikun Liu

Vice President, Head of Research, MissionSquare

Nilton Porto

Associate Professor, University of Rhode Island

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
Pacific II

Concurrent C

2:15pm PDT

C4c Financial Independence and Personal Finance Topics Demanded by College Students

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

Pacific II

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...
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Presenters

Jing Jian Xiao

Professor, University of Rhode Island

Dr. Jing Jian Xiao is a consumer economics professor at University of Rhode Island. He is also the editor of Journal of Financial Counseling and Planning and the co-guest editor for the special issue on “Consumer Wellbeing in Asia” of Journal of Consumer Affairs.

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
Pacific II

Concurrent C

2:15pm PDT

C5 - Consumption and Housing

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

Atlantic I & II

Moderators

Yilan Xu

Associate Professor, University of Illinois at Urbana-Champaign

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
Atlantic I & II

Concurrent C

2:15pm PDT

C5a Greed or Need: Study on the Impact of Consumer Expectations and Surprise on Food Consumption in All-You-Can-Eat Restaurants

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

Atlantic I & II

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...
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Presenters

Phumsith Mahasuweerachai

Associate Professor, Khon Kaen University

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
Atlantic I & II

Concurrent C

2:15pm PDT

C5b Homeownership: Should Advisors Ignore the Elephant in the Room?

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

Atlantic I & II

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...
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Presenters

Cindy Shnaider

Graduate Coordinator, Professor, College for Financial Planning

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
Atlantic I & II

Concurrent C

2:15pm PDT

C5c Paying for the Past, Delaying the Future: A Longitudinal Study of Student Loans and Millennial Homeownership

Tuesday April 14, 2026 2:15pm - 3:45pm PDT

Atlantic I & II

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...
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Presenters

Jodi Letkiewicz

Assistant Professor, California State University, Northridge

Tuesday April 14, 2026 2:15pm - 3:45pm PDT
Atlantic I & II

Concurrent C

3:45pm PDT

Beverage Refreshment Break

Tuesday April 14, 2026 3:45pm - 4:00pm PDT

Promenade

Coffee, tea, soda, and water.

Sponsored by:

Tuesday April 14, 2026 3:45pm - 4:00pm PDT
Promenade

Food & Beverage

4:00pm PDT

General Session 2 - ACCI Business Meeting

Tuesday April 14, 2026 4:00pm - 5:15pm PDT

International Ballroom III

Business Meeting

Tuesday April 14, 2026 4:00pm - 5:15pm PDT
International Ballroom III

General Session

5:29pm PDT

Poster Session & Reception "Conversation & Libation"

Tuesday April 14, 2026 5:29pm - 6:30pm PDT

International Ballroom IV & V

Tuesday April 14, 2026 5:29pm - 6:30pm PDT
International Ballroom IV & V

Poster Session, Food & Beverage

5:30pm PDT

P101 Active Vs Passive Funds Investment Decision: The Role of Financial Literacy and Financial Education

Tuesday April 14, 2026 5:30pm - 6:30pm PDT

International Ballroom IV & V

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...
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Presenters

Gianni Nicolini

Professor, University of Rome Tor Vergata

Yoko Mimura

Professor, California State University, Northridge

Tuesday April 14, 2026 5:30pm - 6:30pm PDT
International Ballroom IV & V

Poster Session

5:30pm PDT

P105 Behavioral Externalities of AI in Consumer Finance

Tuesday April 14, 2026 5:30pm - 6:30pm PDT

International Ballroom IV & V

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...
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Presenters

Purushottam Bhandare

Senior Fellow, Peace Economy Project

Tuesday April 14, 2026 5:30pm - 6:30pm PDT
International Ballroom IV & V

Poster Session

5:30pm PDT

P106 Breaking Barriers: Exploring the Lived Experiences of Black Women in Executive Hospitality Leadership

Tuesday April 14, 2026 5:30pm - 6:30pm PDT

International Ballroom IV & V

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’...
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Presenters

Annemarie Turpin

Clinical Assistant Professor, The Ohio State University

Hospitality leader turned educator, currently serving as a Clinical Assistant Professor at The Ohio State University. After years in hotel leadership, I now focus on preparing the next generation of hospitality professionals through education, high-impact experiential learning, and... Read More →

Tuesday April 14, 2026 5:30pm - 6:30pm PDT
International Ballroom IV & V

Poster Session

5:30pm PDT

P107 Breaking the Negativity Bias: How Post-Error Explanations Drive Consumer Trust Recovery in Digital Financial Advisory

P110 Consumer Programs in Universities

Tuesday April 14, 2026 5:30pm - 6:30pm PDT

International Ballroom IV & V

Investigation of current consumer programs in universities, their names, missions, locations in theuniversity.Are we prepared for the future?

Author(s): Irene Leech

Presenters

Irene Leech

Associate Professor, Consumer Studies, Virginia Tech

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

Tuesday April 14, 2026 5:30pm - 6:30pm PDT
International Ballroom IV & V

Poster Session

5:30pm PDT

P111 Cryptocurrency Use Among Banked and Unbanked Americans: Evidence from a National Panel

Tuesday April 14, 2026 5:30pm - 6:30pm PDT

International Ballroom IV & V

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,...
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Presenters

Gary Curnutt

Assistant Professor of Finance, Western Carolina University

Tuesday April 14, 2026 5:30pm - 6:30pm PDT
International Ballroom IV & V

Poster Session

5:30pm PDT

P112 Disaster Risk, Alternative Financial Services, and Community Economic Resilience

P124 Still Struggling? The Effects of Economic Hardship and Financial Resilience on Post-Pandemic Financial Stress and Anxiety

Tuesday April 14, 2026 5:30pm - 6:30pm PDT

International Ballroom IV & V

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...
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Presenters

Hanna Yu

Ph.D. candidate, University of Minnesota Twin Cities

7:00pm PDT

Past Presidents Dinner (invitation only)

Tuesday April 14, 2026 7:00pm - 8:30pm PDT

Parkers' Lighthouse

Invitation Only

Tuesday April 14, 2026 7:00pm - 8:30pm PDT
Parkers' Lighthouse 435 Shoreline Village Dr, Long Beach, CA 90802

Food & Beverage

7:00am PDT

Breakfast

Wednesday April 15, 2026 7:00am - 8:00am PDT

Promenade

7:00am PDT

Registration

Wednesday April 15, 2026 7:00am - 4:30pm PDT

2nd Floor Foyer

Wednesday April 15, 2026 7:00am - 4:30pm PDT
2nd Floor Foyer

Registration/Information

8:00am PDT

D1 - Risk and Confidence

Wednesday April 15, 2026 8:00am - 9:30am PDT

International Ballroom I

Presenters

Blake Gray

Assistant Professor, Kansas State University

Wednesday April 15, 2026 8:00am - 9:30am PDT
International Ballroom I

Concurrent D

8:00am PDT

D1a Close Your Windows, Lock Your Doors: A Framework of How Crime Concerns Influence Crime-Protective Consumer Behavior

Wednesday April 15, 2026 8:00am - 9:30am PDT

International Ballroom I

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...
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Presenters

Robert Arias

Assistant Professor of Marketing, Loyola University Chicago

Wednesday April 15, 2026 8:00am - 9:30am PDT
International Ballroom I

Concurrent D

8:00am PDT

D1b Consumer Overconfidence and Finfluencer Engagement: From Viewing to Vulnerability

Wednesday April 15, 2026 8:00am - 9:30am PDT

International Ballroom I

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...
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Presenters

Haechan Jeong

Wednesday April 15, 2026 8:00am - 9:30am PDT
International Ballroom I

Concurrent D

8:00am PDT

D1c Financial Confidence, Overconfidence, and Underconfidence: A Methodological Review

Wednesday April 15, 2026 8:00am - 9:30am PDT

International Ballroom I

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...
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Presenters

Brenda J Cude

Professor Emerita, University of Georgia

Wednesday April 15, 2026 8:00am - 9:30am PDT
International Ballroom I

Concurrent D

8:00am PDT

D2 - Financial Education Impact

Wednesday April 15, 2026 8:00am - 9:30am PDT

International Ballroom II

Moderators

Cindy Shnaider

Graduate Coordinator, Professor, College for Financial Planning

Wednesday April 15, 2026 8:00am - 9:30am PDT
International Ballroom II

Concurrent D

8:00am PDT

D2a Beyond Financial Education and Knowledge-The Effect of Objective Financial Knowledge and Financial Education on Long-Term Investment Motivation

Wednesday April 15, 2026 8:00am - 9:30am PDT

International Ballroom II

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...
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Presenters

Catherine Asiimwe

PhD Student, University of Georgia

Wednesday April 15, 2026 8:00am - 9:30am PDT
International Ballroom II

Concurrent D

8:00am PDT

D2b Contrasting Incorrect and “Don’t Know” Responses to Personal Finance Questions in Relation to Financial Behavior and Financial Education

Wednesday April 15, 2026 8:00am - 9:30am PDT

International Ballroom II

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...
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Presenters

Jack Marley-Payne

Director of Research, Financial Life Cycle Education

Wednesday April 15, 2026 8:00am - 9:30am PDT
International Ballroom II

Concurrent D

8:00am PDT

D2c Perceived and Actual Financial Education and Financial Well-being

Wednesday April 15, 2026 8:00am - 9:30am PDT

International Ballroom II

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),...
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Presenters

Peter Kreysa

Associate Professor, California State University, Long Beach

Wednesday April 15, 2026 8:00am - 9:30am PDT
International Ballroom II

Concurrent D

8:00am PDT

Wednesday April 15, 2026 8:00am - 9:30am PDT

Pacific II

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...
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Presenters

Mary Akinde

Ph.D. Candidate, University of Georgia

Wednesday April 15, 2026 8:00am - 9:30am PDT
Pacific II

Concurrent D

8:00am PDT

D4b The Relationship between Personality and Older Americans’ Ownership of Annuity Income: A Latent Profile Analysis

Wednesday April 15, 2026 8:00am - 9:30am PDT

Pacific II

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...
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Presenters

Ben Hampton

Ph.D. Candidate & Graduate Assistant, University of Georgia

Wednesday April 15, 2026 8:00am - 9:30am PDT
Pacific II

Concurrent D

8:00am PDT

D4c Biopsychosocial Determinants of Financial Well-Being in Older Adults: A Structural Equation Modeling Approach

Wednesday April 15, 2026 8:00am - 9:30am PDT

Pacific II

Robert O. Herrmann Outstanding Dissertation Award WinnerFinancial 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...
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Presenters

Chet Bennetts

Department Chair & Associate Provost, The American College of Financial Services

Wednesday April 15, 2026 8:00am - 9:30am PDT
Pacific II

Concurrent D

8:00am PDT

D5 - Modern Market Dynamics

Wednesday April 15, 2026 8:00am - 9:30am PDT

Atlantic I & II

Moderators

Xiaoyuan Sun

PhD Student, University of Georgia

Wednesday April 15, 2026 8:00am - 9:30am PDT
Atlantic I & II

Concurrent D

8:00am PDT

D5a Exploring the Role of Financial Knowledge and Technology Use in Consumer Adoption of AI for Financial Planning

Beverage Refreshment Break

Wednesday April 15, 2026 9:30am - 9:45am PDT

Promenade

Coffee, tea, and water.

Wednesday April 15, 2026 9:30am - 9:45am PDT
Promenade

Food & Beverage

9:45am PDT

E1 - Life Satisfaction

Wednesday April 15, 2026 9:45am - 11:15am PDT

International Ballroom I

Moderators

Kimberly Watkins

Assistant Professor, University of Georgia

Wednesday April 15, 2026 9:45am - 11:15am PDT
International Ballroom I

Concurrent E

9:45am PDT

E1a Exploring Life Satisfaction: The Role of Financial Satisfaction and Financial Resilience in Hardship

E2b How Childhood Family Stability Shapes Adult Financial Outcomes

Wednesday April 15, 2026 9:45am - 11:15am PDT

International Ballroom II

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...
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Presenters

Mikel Van Cleve

Founder and Principal, Van Cleve Consulting

Mikel Van Cleve is a researcher and financial planning practitioner focused on how blended family dynamics shape financial decision-making and outcomes. His work examines the limitations of traditional planning frameworks, many of which assume nuclear family households, and explores... Read More →

Nicholas Kieren

Teaching Assistant, Texas Tech University

Wednesday April 15, 2026 9:45am - 11:15am PDT
International Ballroom II

Concurrent E

9:45am PDT

E2c Preserving Family Legacy: BIPOC Perspectives of Small Business Succession Planning

Wednesday April 15, 2026 9:45am - 11:15am PDT

International Ballroom II

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...
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Presenters

Yoon Lee

Professor, Utah State University

Wednesday April 15, 2026 9:45am - 11:15am PDT
International Ballroom II

Concurrent E

9:45am PDT

E3 - Health and Finance

Wednesday April 15, 2026 9:45am - 11:15am PDT

Pacific I

Moderators

Mary Akinde

Ph.D. Candidate, University of Georgia

Wednesday April 15, 2026 9:45am - 11:15am PDT
Pacific I

Concurrent E

9:45am PDT

E3a Among Retirees, What is the Relationship Between Asset Allocation of Financial Assets and Retirement Satisfaction Among Retirees?

Wednesday April 15, 2026 9:45am - 11:15am PDT

Pacific I

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...
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Presenters

Douglas Brown

Student, Texas Tech University

Wednesday April 15, 2026 9:45am - 11:15am PDT
Pacific I

Concurrent E

9:45am PDT

E3b Health Insurance Literacy and Graduate Student Healthcare Expenses

Wednesday April 15, 2026 9:45am - 11:15am PDT

Pacific I

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...
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Presenters

Gianni Nicolini

Professor, University of Rome Tor Vergata

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

Wednesday April 15, 2026 9:45am - 11:15am PDT
Pacific II

Concurrent E

9:45am PDT

E4b The Post-Pandemic Investor Landscape: Evidence from the 2024 NFCS Investor Survey

Wednesday April 15, 2026 9:45am - 11:15am PDT

Pacific II

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...
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Presenters

Olivia Valdes

Senior Researcher, FINRA Investor Education Foundation

Wednesday April 15, 2026 9:45am - 11:15am PDT
Pacific II

Concurrent E

9:45am PDT

E4c Through a Moral Lens: Moral Foundations and Public Acceptance of Artificial Intelligence Across Contexts

Wednesday April 15, 2026 9:45am - 11:15am PDT

Pacific II

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...
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Presenters

Nayeon Kim

Ph.D. Student, University of Georgia

Wednesday April 15, 2026 9:45am - 11:15am PDT
Pacific II

Concurrent E

11:30am PDT

F1 - Risk and Equity

Wednesday April 15, 2026 11:30am - 1:00pm PDT

International Ballroom I

Moderators

Ravisha Chutani

Graduate Student, University of Georgia

Wednesday April 15, 2026 11:30am - 1:00pm PDT
International Ballroom I

Concurrent F

11:30am PDT

F1a Can Financial Resilience Typologies Be Used to Describe Financial Risk Tolerance?

Wednesday April 15, 2026 11:30am - 1:00pm PDT

International Ballroom I

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...
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Presenters

John Grable

Professor, University of Georgia

We provide leading-edge teaching, research and outreach that improves the economic well-being for families, increases the quality of life in communities and prepares future leaders and entrepreneurs.Our graduates are entrepreneurs, financial planners, consumer journalists, community... Read More →

Wednesday April 15, 2026 11:30am - 1:00pm PDT
International Ballroom I

Concurrent F

11:30am PDT

F1b Long-Run Effects of COVID-19 on Financial Risk Tolerance: Racial/Ethnic Heterogeneity in the U.S.

Wednesday April 15, 2026 11:30am - 1:00pm PDT

International Ballroom I

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...
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Presenters

Zihan Ren

PhD Candidate, The Ohio State University

Wednesday April 15, 2026 11:30am - 1:00pm PDT
International Ballroom I

Concurrent F

11:30am PDT

F1c Racial and Ethnic Disparities in Confidence Toward Financial Institutions

Wednesday April 15, 2026 11:30am - 1:00pm PDT

International Ballroom I

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...
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Presenters

Amber Jackson

Research Associate, Financial Health Network

Wednesday April 15, 2026 11:30am - 1:00pm PDT
International Ballroom I

Concurrent F

Wednesday April 15, 2026 11:30am - 1:00pm PDT

Pacific II

Moderators

Olivia Valdes

Senior Researcher, FINRA Investor Education Foundation

Wednesday April 15, 2026 11:30am - 1:00pm PDT
Pacific II

Concurrent F

11:30am PDT

F4a Can FinTech help households save for emergencies? Evidence from debt-burdened families

Wednesday April 15, 2026 11:30am - 1:00pm PDT

Pacific II

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...
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Presenters

Theophilus Amanfo

Student, Texas Tech University

Wednesday April 15, 2026 11:30am - 1:00pm PDT
Pacific II

Concurrent F

11:30am PDT

F4b The Cultural Contexts of Family Financial Socialization: A Photovoice Study with First-Generation College Students from Immigrant Families

Wednesday April 15, 2026 11:30am - 1:00pm PDT

Pacific II

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...
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Presenters

Miguel Quinones

Ph.D. Candidate, University of Minnesota

Wednesday April 15, 2026 11:30am - 1:00pm PDT
Pacific II

Concurrent F

11:30am PDT

F4c Trusting the Machine: Who Is Interested in Financial Advice from AI?

Wednesday April 15, 2026 11:30am - 1:00pm PDT

Pacific II

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...
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Presenters

Juhui Ko

PhD candidate, The Ohio State University

Wednesday April 15, 2026 11:30am - 1:00pm PDT
Pacific II

Concurrent F

1:00pm PDT

General Session 3 - Rhoda H. Karpatkin Lecture: Dr. Jinkook Lee

Wednesday April 15, 2026 1:00pm - 2:30pm PDT

International Ballroom III

"Population Aging and Brain Health: Global Perspectives, Interdisciplinary Approaches"The talk will discuss how population 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...
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Speakers

Dr. Jinkook Lee

University of Southern California

Wednesday April 15, 2026 1:00pm - 2:30pm PDT
International Ballroom III

General Session, Food & Beverage

2:45pm PDT

G2c Financial Well-being and Social Support Among College Athletes: Implications for Academic Success

Wednesday April 15, 2026 2:45pm - 4:15pm PDT

International Ballroom II

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...
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Presenters

Sarah Burcher

Assistant Professor, University of Alabama

Wednesday April 15, 2026 2:45pm - 4:15pm PDT
International Ballroom II

Concurrent G

Beverage Refreshment Break

Wednesday April 15, 2026 4:15pm - 4:30pm PDT

Promenade

Coffee, tea, soda, and water.

Wednesday April 15, 2026 4:15pm - 4:30pm PDT
Promenade

Food & Beverage

4:30pm PDT

H1 - Inclusive Financial Services

Wednesday April 15, 2026 4:30pm - 6:00pm PDT

International Ballroom I

Moderators

Yunhee Chang

Professor, University of Mississippi

Wednesday April 15, 2026 4:30pm - 6:00pm PDT
International Ballroom I

Concurrent H

4:30pm PDT

H1a Closing the Gaps: How Financial Services and Education Can Better Serve Sexual and Gender Minority Couples

Wednesday April 15, 2026 4:30pm - 6:00pm PDT

International Ballroom I

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...
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Presenters

Melissa Wilmarth

Professor, University of Alabama

Wednesday April 15, 2026 4:30pm - 6:00pm PDT
International Ballroom I

Concurrent H

4:30pm PDT

H1b Frugality and Financial Well-being: A Generational View

H2b Myth or Reality: Do Younger Cohorts Prioritize Present-Oriented Spending?

Wednesday April 15, 2026 4:30pm - 6:00pm PDT

International Ballroom II

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...
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Presenters

Hua Zan

Associate Researcher, University of Hawaii at Manoa

Wednesday April 15, 2026 4:30pm - 6:00pm PDT
International Ballroom II

Concurrent H

4:30pm PDT

H2c Positive Financial Planning: A Pilot Study Exploring Spending and Well-Being through an Experimental Survey

Wednesday April 15, 2026 4:30pm - 6:00pm PDT

International Ballroom II

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,...
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Presenters

Sarah Asebedo

Wednesday April 15, 2026 4:30pm - 6:00pm PDT
International Ballroom II

Concurrent H