ACCI Conference 2026 has ended

Create Your Own Event

ACCI Conference 2026

3:00pm PDT

Board Meeting Atlantic I & II

6:30pm PDT

Board Dinner The Loft Restaurant

8:00am PDT

Board Meeting Atlantic I & II

2:00pm PDT

Registration 2nd Floor Foyer

4:00pm PDT

JCA AE’s & Editorial Board Meeting International Ballroom I

5:00pm PDT

First Timers Welcome The Loft Restaurant

6:00pm PDT

Welcome Cocktails 2nd Floor Foyer

6:30pm PDT

Awards Dinner & Program International Ballroom III

7:00am PDT

Breakfast Promenade Registration 2nd Floor Foyer

8:30am PDT

A1 - Consumer Well Being International Ballroom IElizabeth Kiss A1a The effect of anthropomorphism of female virtual influencers on women’s objectification and social comparison International Ballroom IJeeweon Wee A1b Unequal Returns: Wage Disparities among LGBTQ+ Individuals through Human Capital and Intersectionality Frameworks – Implications for Consumer Well-Being International Ballroom IJake Zavala Zavala A1c When the game stops being fun: understanding the relationship between gamification and consumer distress International Ballroom ILisa Baiwir A2 - Financial Fraud International Ballroom IIMJ Kabaci A2a From Perception to Loss: A Two-Phase Approach to Measuring Financial Fraud International Ballroom IIKyoung Tae Kim A2b Mobile Fintech Usage and Consumers' Exposure to Financial Fraud International Ballroom IIYeqi Zhu A2c The Determinants of Financial Awareness: A Quantile Regression Approach International Ballroom IINasima Khatun • Donald Lacombe A3 - Financial Resilience Pacific IPiotr Bialowolski 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 Pacific IZewei Liu A3b Flood Events and Precautionary Savings Pacific IJuan Sandoval A3c Generational Differences in Emergency Fund Savings: An Analysis of Demographic, Economic, and Predictive Behavioral Factors Among Millennial and Generation X Households Pacific IMo Buckner A4 - Mental Health & Resilience Pacific IIShinae Choi A4a But Who Supports Mama? Examining the Roles of Social Support and Basic Psychological Needs Satisfaction in Pregnancy and Postpartum Mental Health Pacific IIGrace Palmer A4b Hard Financial Times, Strong Bonds: Love, Purpose, and Mental Health Pacific IIShinae Choi A4c Material hardship, risky health behaviors, and mental health Pacific IIYoungjoo Choung A5 - Sustainable Consumer Behavior Atlantic I & IIBlake Gray A5a How Consumers Learn About Climate Risks: Disaster Experience, Media Coverage, and Insurance Decisions Atlantic I & IIYilan Xu A5b What Makes Refurbished Acceptable? A Two-Stage Study of Purchase Intention and Discount Thresholds Atlantic I & IIYuhyeon Seo

10:00am PDT

Beverage Refreshment Break Promenade

10:15am PDT

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

12:00pm PDT

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

2:15pm PDT

C1 - Financial Personality Traits International Ballroom ITaufiq Quadria C1a Personality Traits, Social Security Claiming Age, and Financial Satisfaction: Evidence from the 2018 Health and Retirement Study International Ballroom ITaufiq Quadria C1b The Influence of Personality Traits on the Financial Bandwagon Effect: The Moderating Role of Locus of Control International Ballroom IYi Liu C1c The Role of Locus of Control, Financial Literacy, and Retirement Planning in Predicting Life Satisfaction Among Older Women: Variations by Marital Status International Ballroom IStephanie Rystrom C2 - Longitudinal Financial Research International Ballroom IISohyun Kim C2a Depression as a Mediator Between Widowhood and Financial Strain: A Longitudinal Analysis of Widows and Widowers International Ballroom IIKevin Bayani C2b Financial Preparedness and Early Economic Outcomes of Youth Transitioning from Foster Care: Year 1 Findings from a Longitudinal Study International Ballroom IISelena Garrison C2c The Power of Patience: A Global Longitudinal Study of Delayed Gratification and Its Impact on Financial Well-Being International Ballroom IIDorota Weziak-Bialowolska C3 - AI and Fintech Pacific ICongrong Ouyang C3a Fintech Familiarity, Usage, And Implications for Rural Financial Planning: Evidence from Southern U.S. Agricultural Producers Pacific IOlamide Olajide C3b Trusting the Algorithm: Factors Influencing Public Sector Employee Comfort with AI for Financial Planning Pacific IZhikun Liu • Richard Stebbins C3c Who Uses AI in Financial Planning? Evidence from Survey Data Pacific IWeipeng Wu C4 - College Student Wellbeing Pacific IIYoon Lee C4a Cultural Framing and Consumer Education: Enhancing Healthy Eating Intentions among College Students Pacific IIFrancisco Diaz C4b Financial Independence and Mental Health of Young Adult College Students Pacific IINilton Porto C4c Financial Independence and Personal Finance Topics Demanded by College Students Pacific IIJing Jian Xiao C5 - Consumption and Housing Atlantic I & IIYilan Xu C5a Greed or Need: Study on the Impact of Consumer Expectations and Surprise on Food Consumption in All-You-Can-Eat Restaurants Atlantic I & IIPhumsith Mahasuweerachai C5b Homeownership: Should Advisors Ignore the Elephant in the Room? Atlantic I & IICindy Shnaider C5c Paying for the Past, Delaying the Future: A Longitudinal Study of Student Loans and Millennial Homeownership Atlantic I & IIJodi Letkiewicz

3:45pm PDT

Beverage Refreshment Break Promenade

4:00pm PDT

General Session 2 - ACCI Business Meeting International Ballroom III

5:29pm PDT

Poster Session & Reception "Conversation & Libation" International Ballroom IV & V

5:30pm PDT

P101 Active Vs Passive Funds Investment Decision: The Role of Financial Literacy and Financial Education International Ballroom IV & VGianni Nicolini P102 Analysis of Time, Money and Health Education Model International Ballroom IV & VBaomei Zhao P103 Anchoring Effect, Loss Aversion, and Bidders’ Behavior: New Evidence from NFT Auctions International Ballroom IV & VXiangchen Liu P104 Association Between Work-Life Boundary Setting and Perceived Well-Being Among Family Childcare Providers International Ballroom IV & VYoko Mimura P105 Behavioral Externalities of AI in Consumer Finance International Ballroom IV & VPurushottam Bhandare P106 Breaking Barriers: Exploring the Lived Experiences of Black Women in Executive Hospitality Leadership International Ballroom IV & VAnnemarie Turpin P107 Breaking the Negativity Bias: How Post-Error Explanations Drive Consumer Trust Recovery in Digital Financial Advisory International Ballroom IV & VDaekyun Ko P108 Connecting the Investment Dots: A Canonical Correlation Analysis on Information Sources, Market Regulation, and Financial Knowledge International Ballroom IV & VPengyu Qian P109 Consumer Digital Literacy and the Use of AI-Based Services International Ballroom IV & VYoungwon Nam P110 Consumer Programs in Universities International Ballroom IV & VIrene Leech P111 Cryptocurrency Use Among Banked and Unbanked Americans: Evidence from a National Panel International Ballroom IV & VGary Curnutt P112 Disaster Risk, Alternative Financial Services, and Community Economic Resilience International Ballroom IV & VYunhee Chang P113 Enclaves as Buffers or Amplifiers? Immigrant Communities and the Chilling Effect of Welfare Policy International Ballroom IV & VWanting Jiang P114 Examining Characteristic Barriers Qualifying Taxpayers Face in Filing Returns and Claiming the Earned Income Tax Credit (EITC) International Ballroom IV & VCatherine Asiimwe P115 Examining Financial Literacy of Hispanic Student Parents in Higher Education International Ballroom IV & VYoungok Jung P116 Financial Inclusion through Investment Participation: Trust, Liquidity, and Demographic Barriers in the United States International Ballroom IV & VMaheen Akram P117 Framing the Cost of Going Green: Differential Drivers of Financially vs. Effort Costly Pro-Environmental Behaviors International Ballroom IV & VEunbi Kang P118 Mapping Personal Finance Education across the US: High School Personal Finance Course Offerings in 2026 International Ballroom IV & VDiana Cuatra P119 Measuring Consumer Preparedness in the Age of AI: Development of the Scale of Artificial Intelligence Literacy (SAIL) International Ballroom IV & VMarlene Haupt 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 International Ballroom IV & VJinu Jung P121 Multidimensional Deprivation and the Stress Pathway in Adolescence: Using Latent Class Analysis International Ballroom IV & VSoyeong Choi P122 Post-Pandemic Education Pathways and Mental Health of Emerging Adults International Ballroom IV & VLu Fan P123 Social Media and Household Overspending: Platform Specific and Generational Evidence from the 2021 NFCS Investor Survey International Ballroom IV & VArifa Akter P124 Still Struggling? The Effects of Economic Hardship and Financial Resilience on Post-Pandemic Financial Stress and Anxiety International Ballroom IV & VHanna Yu P125 The Impact of Financial Literacy on Emergency Savings: Moderating Role of Household Income International Ballroom IV & VOlawale Akinleye P126 The Relationship between Narrative Framing, Regulatory Focus, and Estate Planning Intentions: An Experimental Design on Revocable Trusts International Ballroom IV & VHanNa Lim P127 The Role of Consumer Technology Optimism in the Age of AI International Ballroom IV & VHoyoung Lee P128 What “Neutral” Really Means in Online Conversations about Student Debt? International Ballroom IV & VAditi Ravi P129 Social Determinants of Health and the Use of Weight-Management Medications: Evidence from a Survey of U.S. Consumers International Ballroom IV & VDymond Mitchell P130 Factors associated with perceived efficacy and safety of weight loss medication in US consumers International Ballroom IV & VNuma Maryam

7:00pm PDT

JCA Editors & Associate Editors Dinner (invitation only) L’Opera Past Presidents Dinner (invitation only) Parkers' Lighthouse

7:00am PDT

Breakfast Promenade Registration 2nd Floor Foyer

8:00am PDT

D1 - Risk and Confidence International Ballroom IBlake Gray D1a Close Your Windows, Lock Your Doors: A Framework of How Crime Concerns Influence Crime-Protective Consumer Behavior International Ballroom IRobert Arias D1b Consumer Overconfidence and Finfluencer Engagement: From Viewing to Vulnerability International Ballroom IHaechan Jeong D1c Financial Confidence, Overconfidence, and Underconfidence: A Methodological Review International Ballroom IBrenda J Cude D2 - Financial Education Impact International Ballroom IICindy Shnaider D2a Beyond Financial Education and Knowledge-The Effect of Objective Financial Knowledge and Financial Education on Long-Term Investment Motivation International Ballroom IICatherine Asiimwe D2b Contrasting Incorrect and “Don’t Know” Responses to Personal Finance Questions in Relation to Financial Behavior and Financial Education International Ballroom IIJack Marley-Payne D2c Perceived and Actual Financial Education and Financial Well-being International Ballroom IIPeter Kreysa D3 - AI Financial Advice Pacific IYeqi Zhu D3a Consumer Fraud Victimization and the Shift Toward AI Financial Advice Pacific IVikesh Kumar D3b Consumer Interest in AI Financial Advice: Findings from a 2024 U.S. National Survey Pacific ILin Sun D3c Mobile Financial Services Usage Breadth and Consumer Interest in AI-Based Financial Advice Pacific IPan-Ju Chen D4 - Aging and Well-being Pacific IIJuha Lee D4a Connecting the Dots: Digital Access, Literacy, and Well-Being in Older Adults Pacific IIMary Akinde D4b The Relationship between Personality and Older Americans’ Ownership of Annuity Income: A Latent Profile Analysis Pacific IIBen Hampton D4c Biopsychosocial Determinants of Financial Well-Being in Older Adults: A Structural Equation Modeling Approach Pacific IIChet Bennetts D5 - Modern Market Dynamics Atlantic I & IIXiaoyuan Sun D5a Exploring the Role of Financial Knowledge and Technology Use in Consumer Adoption of AI for Financial Planning Atlantic I & IIRavisha Chutani D5b Smart service spatial positioning and smart service premium on housing price Atlantic I & IIJaeyong Yoo D5c The Impact of Payday Lending Access on Household Consumption Patterns: Evidence from Ohio's Payday Lending Reform Atlantic I & IIYiling Zhang

9:30am PDT

Beverage Refreshment Break Promenade

9:45am PDT

E1 - Life Satisfaction International Ballroom IKimberly Watkins E1a Exploring Life Satisfaction: The Role of Financial Satisfaction and Financial Resilience in Hardship International Ballroom IJae Min Lee E1b The Double Burden of Intergenerational Support for Korean Baby Boomers: Within-Between Evidence on Life Satisfaction International Ballroom ISohyun Kim E1c The Capability Approach to Life Satisfaction: Extending through Financial Optimism International Ballroom IYu Zhang E2 - Family and Futures International Ballroom IITairsa Mathews E2a Family Ties and Educational Futures: Parental Closeness and the Aspiration–Expectation Gap International Ballroom IIHofner Rusiana E2b How Childhood Family Stability Shapes Adult Financial Outcomes International Ballroom IIMikel Van Cleve • Nicholas Kieren E2c Preserving Family Legacy: BIPOC Perspectives of Small Business Succession Planning International Ballroom IIYoon Lee E3 - Health and Finance Pacific IMary Akinde E3a Among Retirees, What is the Relationship Between Asset Allocation of Financial Assets and Retirement Satisfaction Among Retirees? Pacific IDouglas Brown E3b Health Insurance Literacy and Graduate Student Healthcare Expenses Pacific IThilini Weeraratne E3c Uninsured and Unbanked: Examining the Relationship between Lacking Health Insurance and Financial Exclusion Pacific IKatie Fitzpatrick E4 - AI and Ethics Pacific IIJuan Sandoval E4a Is Generative Artificial Intelligence (GenAI ) a Good Financial Advisor? Pacific IIGianni Nicolini E4b The Post-Pandemic Investor Landscape: Evidence from the 2024 NFCS Investor Survey Pacific IIOlivia Valdes E4c Through a Moral Lens: Moral Foundations and Public Acceptance of Artificial Intelligence Across Contexts Pacific IINayeon Kim

11:30am PDT

F1 - Risk and Equity International Ballroom IRavisha Chutani F1a Can Financial Resilience Typologies Be Used to Describe Financial Risk Tolerance? International Ballroom IJohn Grable F1b Long-Run Effects of COVID-19 on Financial Risk Tolerance: Racial/Ethnic Heterogeneity in the U.S. International Ballroom IZihan Ren F1c Racial and Ethnic Disparities in Confidence Toward Financial Institutions International Ballroom IAmber Jackson F2 - Financial Hardship Dynamics International Ballroom IIPurushottam Bhandare F2a COVID-19’s Lingering Consequences: Trends in Financial Hardship by Infection History and Activity Limitations Among U.S. Adults International Ballroom IIVivekananda Das F2b Income and Intertemporal Investment Decisions Evidence from Education, Savings, and Insurance Expenditures across Income Groups International Ballroom IINamhoon Kim F3 - Gender and Finance Pacific IHanna Yu F3a Beyond the Transaction: Gender, Selling on Credit, and Consumer Relationships in Ghana Pacific IGisella Kagy F3b Gender Role and the Likelihood of Marriage: Evidence from Korea Pacific IWookjae Heo F3c The Role of Language, Gender, and Cognitive Engagement in Shaping Financial Literacy: Evidence from a Large-Scale Randomized Experiment Pacific IPiotr Bialowolski F4 - Fintech and Socialization Pacific IIOlivia Valdes F4a Can FinTech help households save for emergencies? Evidence from debt-burdened families Pacific IITheophilus Amanfo F4b The Cultural Contexts of Family Financial Socialization: A Photovoice Study with First-Generation College Students from Immigrant Families Pacific IIMiguel Quinones F4c Trusting the Machine: Who Is Interested in Financial Advice from AI? Pacific IIJuhui Ko

1:00pm PDT

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

2:45pm PDT

G1 - Planners and AI International Ballroom ISunwoo Lee G1a Preparing Future Financial Planners: Trust, Gender, and Academic Performance in AI Adoption International Ballroom IEfthymia Antonoudi G1b Technology-Enabled Financial Help-Seeking Behavior: Consumers’ Use of AI and Financial Planners on Saving for Retirement International Ballroom IEric Ludwig G2 - Psychology of Success International Ballroom IICindy Shnaider G2a Blood, Sweat, and Net Worth: Grit as a Predictor of Financial Success in Young Adulthood International Ballroom IILoren Flood G2b Exploring Financial Sentiment, Social Media Use, and Speculative Investing International Ballroom IIMorgen Nations G2c Financial Well-being and Social Support Among College Athletes: Implications for Academic Success International Ballroom IISarah Burcher G3 - Motivation and Wellbeing Pacific ICäzilia Loibl G3a Examining the dimensions of financial vulnerability across age and gender: Evidence from a nationally representative survey in Spain Pacific IJorge Ruiz-Menjivar G3b Not Again! The Impact of Daily Hassles on Well-Being through Basic Psychological Needs Satisfaction Pacific IJuha Lee G3c You Inspire Me: The Role of Autonomous Motivation in the Well-Being Benefits of Supportive Relationships Pacific ITaitum Maxwell

4:15pm PDT

Beverage Refreshment Break Promenade

4:30pm PDT

H1 - Inclusive Financial Services International Ballroom IYunhee Chang H1a Closing the Gaps: How Financial Services and Education Can Better Serve Sexual and Gender Minority Couples International Ballroom IMelissa Wilmarth H1b Frugality and Financial Well-being: A Generational View International Ballroom IIsadora Ferreira De Melo H1c Scarcity Mindset’s Positive Association with Using Alternative Financial Services International Ballroom ICäzilia Loibl H2 - Spending and Wellbeing International Ballroom IIMartie Gillen H2a Household Debt and Perceived Financial Well-being International Ballroom IIBrandon Perry H2b Myth or Reality: Do Younger Cohorts Prioritize Present-Oriented Spending? International Ballroom IIHua Zan H2c Positive Financial Planning: A Pilot Study Exploring Spending and Well-Being through an Experimental Survey International Ballroom IISarah Asebedo